CACC
Financial Services · Credit Services
Performance
CACC (CACC) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
CACC (CACC) operates in the Credit Services space within the Financial Services sector. With a market cap of $6.0B, it qualifies as a small-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Low P/E of 14.4× suggests the stock may be undervalued relative to earnings
- Forward P/E (10.5×) is lower than trailing P/E (14.4×) — analysts expect earnings to improve
- Revenue growth of 13% YoY shows solid business momentum
- Earnings grew 43% YoY — bottom-line is expanding fast
- Exceptional profit margin of 35.5% — the business retains a large share of each dollar earned
- ROE of 28.1% shows management efficiently converts equity into profit
- Current ratio of 3.9× — ample short-term liquidity
- High debt-to-equity of 423.26× increases financial risk, especially with elevated interest rates
- No dividend history — total return depends entirely on price appreciation
- Price is near its 52-week high — limited near-term upside, higher pullback risk
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
This stock does not pay dividends.
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 30, 2026
44
days
EPS (TTM)
$40.10
P/E (TTM)
14.4
Fwd P/E
10.5
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $577.00
Graham Number
√(22.5 × EPS × Book Value)
$362.03
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
N/A
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
6/10
75% score
Pays dividends
No dividend history found
Dividend consistency (5Y+)
Uninterrupted dividend payments for at least 5 years
ROE above 10%
28.1%Return on equity — measures how efficiently capital is used
Positive profit margin
35.5%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+12.7%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+43.2%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
423.26×Low financial leverage reduces risk of distress
Current ratio above 1
3.87×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$89M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
Stock must distribute income to shareholders
Related Assets
Financial Services
About CACC
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
Sector
Financial Services
Industry
Credit Services
Location
Southfield, United States
Employees
2,314