Credit Acceptance Corporation
CACC
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Credit Acceptance Corporation operates in a niche market with limited competition, focusing on subprime auto loans, which allows it to maintain a strong market position.
- In Q2 2026, the company reported a revenue of $582.2 million, reflecting a 1% increase from the previous quarter.
- The gross margin improved to 65% in Q2 2026, up from 63% in Q1 2026.
- The company's financial health is concerning, with a high debt-to-equity ratio of 395.63, indicating significant leverage.
- Credit Acceptance Corporation has a 'Strong Sell' signal with a score of -16.00, suggesting bearish market sentiment.
- The operating margin decreased to 28.07% in Q2 2026, down from 29.54% in Q1 2026, indicating declining profitability.
Fundamentals
| Market cap | $5.63B | Enterprise value | $11.92B | Trailing P/E | 11.97 | Forward P/E | 9.84 |
| PEG | 1.77 | Price / book | 3.54 | Beta | 1.40 | Dividend yield | 0.00% |
| Revenue growth | 9.5% | Earnings growth | 70.6% | Gross margin | 94.7% | Operating margin | 52.6% |
| Profit margin | 38.5% | ROE | 31.9% | ROA | 5.8% | Debt / equity | 3.96 |
| Current ratio | 4.83 | Free cash flow | — | Analyst recommendation | hold | Mean target | $616.67 |
| 52w high | $668.86 | 52w low | $401.90 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $582M | $575M | $574M | $576M | $576M | — |
| Op margin | 28.1% | 29.5% | 40.7% | 24.8% | 19.0% | — |
| Net income | $136M | $136M | $122M | $108M | $87.4M | — |
| Gross margin | 65.0% | 63.0% | 63.3% | 61.8% | 61.5% | — |
| Gross profit | $379M | $362M | $363M | $356M | $354M | — |
| Operating income | $163M | $170M | $233M | $143M | $110M | — |
- Revenue +1% vs prior quarter ($582M vs $575M).
- Gross margin 65% (was 63% prior quarter).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $2.3B | $2.1B | $1.9B | $1.8B | — |
| Op margin | 27.1% | 15.2% | 18.5% | 38.5% | — |
| Net income | $424M | $248M | $286M | $536M | — |
| Gross margin | 61.9% | 62.4% | 67.2% | 73.9% | — |
| Gross profit | $1.4B | $1.3B | $1.3B | $1.3B | — |
| Operating income | $620M | $325M | $347M | $702M | — |
Headlines — watch
• [WARN · legal] Franklin Templeton (BEN) Could Be 6% Undervalued Following Credit Acceptance Settlement
• [WARN · legal] What's Next for CACC After Its Multistate Lending Settlement?
News
2026-10-08 · Wells Fargo Faces HUD Lending Probe: A Setback for Regulatory Progress?
2026-10-01 · Encore Capital Stock Soars 73.8% YTD: Is There Further Upside Left?
2026-09-30 · How Fuel Economy Rule Changes Could Lift CarMax Stock And Auto Finance Shares
2026-09-24 · Over 50,000 drivers could have $634M in car debt erased after lender ‘preyed on’ consumers. Do you qualify?
2026-09-23 · 1 Value Stock for Long-Term Investors and 2 We Ignore
2026-09-23 · Credit Acceptance (CACC) Settles with States. How Much Financial Risk Remains?
2026-09-22 · Credit Acceptance Announces Shannon Wilson as Chief Human Resources Officer
2026-09-21 · Could you get debt relief from Credit Acceptance car loan deal?
2026-09-21 · 1 Volatile Stock to Target This Week and 2 We Brush Off
2026-09-20 · Franklin Templeton (BEN) Could Be 6% Undervalued Following Credit Acceptance Settlement
2026-09-19 · 3 Consumer Lending Stocks Built For Higher Interest Rates
Price (daily)
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