VCP Scanner
Stock Screener
Filter stocks with fundamental & technical criteria
Market Themes
Curated industry baskets & thematic leaders
Earnings Hub
Calendar, EPS surprise stats & earnings transcripts
Market News
Real-time market intelligence & AI overviews
Insider Buying
SEC Form 4 corporate insider purchases
MinerviniVCP SetupsTrend Template
O'NeilCup with HandleFlat BaseDouble BottomCANSLIM Leaders
QullamaggieHigh Tight FlagsFlag BreakoutsEpisodic PivotsMomentum Leaders
KellWedge PopEMA Crossback
LivermorePivotal Points
PatternsFalling Wedge & ChannelBase Breakouts
View All Playbooks...
BreakoutsScanner
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Index & ETFs
SPY vs QQQVTI vs VOOSPY vs IWM
Compare Any Stocks...
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
VisualizeInteractive multi-year financial charts
Watchlist
BreakoutsScanner
WatchlistPricing
Ctrl K
Pricing
CACC
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Analyze deeply. Research with clarity.

Data updated daily

Product

  • Screener
  • Scanner
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • Pricing
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly market insights — free

© 2026 VCP Scanner
AboutPrivacyTermsRefund Policy
Not financial advice. Do your own research.
ScreenerBreakoutsScannerWatchlist
CACCCredit Acceptance Corporation
$529.56$5.5B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
CACC logo

Credit Acceptance Corporation

CACC
NASDAQ · Consumer Finance
$529.56
At close - Nov 6, 4:00 PM EST - USD
Market Cap$5.54B
P/E16.4x
52W High$668.86
Volume149.82K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Provision Volatility Overwhelms Buybacks in CACC Earnings Path

CACC's reported earnings have swung sharply, with provision expense of $321.3M in 2026Q3 against a $101.9M reversal in 2026Q1, suggesting credit costs rather than a stable operating trend are driving the reported results.

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

CACC price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

+90% Peers

P/E is 90% above peer median

03

Market leadership

RS 53 · Avg

Average momentum (RS Rating: 53)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 29

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CACC+16.66%
S&P 500 (^GSPC)+7.63%
1-Year Return
CACC+27.15%
S&P 500 (^GSPC)+9.69%
3-Year Return
CACC+23.14%
S&P 500 (^GSPC)+70.78%
5-Year Return
CACC-20.37%
S&P 500 (^GSPC)+58.63%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
16.4x
Forward P/EExpansion
10.7x
EV/EBITDA40th %ile
12.3x
FCF YieldCash Flow
22.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
16.4x
12.1x
60th· Fair
EV/EBITDA
12.3x
14.6x
40th· Fair
Price/FCF
4.4x
5.2x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$429.66-18.9%
Base (Fair)$526.13-0.6%
Bull$625.02+18.0%
$429.66 Bear$526.13 Base$625.02 Bull
Current Market Price: $529.56
Trades at a 0.7% premium to Base DCF ($526.13)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$1.85B-13.1% YoY
Net income FY25
$424M+71.0% YoY
Free cash flow FY25
$1.05B-7.3% YoY
Operating margin FY25
59.5%+44.3 pts YoY
ROIC (FY25)10.4%
Avg ROIC 5Y8%
ROE (TTM)22.4%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate4/12 (33%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 29, 2026
$13.01+1.2%
vs $12.86
$595M-0.3%
vs $596M
Q3 2026
Aug 4, 2026
$12.12-0.7%
vs $12.20
$587M-0.1%
vs $588M
Q2 2026
May 5, 2026
$10.71+0.9%
vs $10.61
$580M-0.1%
vs $581M
Q1 2026
Jan 29, 2026
$11.35+10.2%
vs $10.30
$580M-0.9%
vs $585M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·Oct 22, 2026
Credit Acceptance Announces Timing of Third Quarter 2026 Earnings Release and Webcast

Southfield, Michigan, Oct. 22, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that we expect to issue a news release with our third quarter 2026 earnings on Thursday, October 29, 2026, after the market closes. A webcast is scheduled for Thursday, October 29, 2026, at 5:00 p.m.

GlobeNewsWire·Oct 7, 2026
Fortune Media and Great Place To Work® Name Credit Acceptance to 2026 Best Workplaces in Financial Services™ List for the 12th Consecutive Year

Southfield, Michigan, Oct. 07, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) has been named one of the Best Workplaces in Financial Services & Insurance™ for the 12th consecutive year, reflecting the Company's continued commitment to building a high-performing workplace where team members are empowered to deliver results for dealer partners, customers, and shareholders. Credit Acceptance was ranked 5th among the 50 companies in the large company category, up 5 spots from last year.

GlobeNewsWire·Sep 22, 2026
Credit Acceptance Announces Shannon Wilson as Chief Human Resources Officer

Business and transformation officer joins the Executive Leadership Team to help drive Credit Acceptance's next chapter of growth Business and transformation officer joins the Executive Leadership Team to help drive Credit Acceptance's next chapter of growth

Zacks Investment Research·Sep 18, 2026
What's Next for CACC After Its Multistate Lending Settlement?

Credit Acceptance settles a multistate investigation with $630M+ in debt relief, a $60M fund, and new consumer and dealer protections.

Filtered for Credit Acceptance CorporationMore Headlines
04

Compare before deciding

Benchmark CACC against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Credit Acceptance Corporation (CACC)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CACC logoCACCCredit Acceptance CorporationCurrent
$529.56$5.54B16.36-13.12%17.69%22.41%—
ALLY logoALLYAlly Financial Inc.
$38.17$11.61B7.90-35.42%15.03%9.67%3.16%
DT logoDTDynatrace, Inc.
$43.44$12.66B80.9518.82%7.42%6.42%—
WRLD logoWRLDWorld Acceptance Corporation
$149.08$694.77M13.582.6%9.13%14.16%—
COF logoCOFCapital One Financial Corporation
$201.87$123.84B11.3236.62%17.3%9.67%1.39%
SYF logoSYFSynchrony Financial
$73.74$23.99B7.13-7.09%22.18%19.99%1.62%

Compare CACC vs Peers

Credit Acceptance Corporation (CACC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ALLY

Most directly comparable listed peer for CACC.

Scale Benchmark

vs COF

Larger-name benchmark to compare CACC against a more recognizable public peer.

Peer Set

Compare Top 5

vs ALLY, DT, WRLD, COF

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CACC SEC Filings & Documents

Credit Acceptance Corporation (CACC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 29, 2026·SEC

Material company update

Aug 4, 2026·SEC

Material company update

Jul 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 13, 2026·SEC

FY 2025

Feb 12, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Oct 29, 2026·SEC

FY 2026

Aug 4, 2026·SEC

FY 2026

May 5, 2026·SEC

Get notified when CACC posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

CACC Frequently Asked Questions

Credit Acceptance Corporation (CACC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Credit Acceptance Corporation growing?

Credit Acceptance Corporation (CACC) revenue fell by 16.1% over the trailing twelve months, compared with the twelve months before.

Is CACC profitable?

Yes. Credit Acceptance Corporation (CACC) earned $337.1M in net income over the trailing twelve months (a 17.7% net margin).

Dividend & Returns
What is CACC's return on equity?

Credit Acceptance Corporation (CACC) had a return on equity (ROE) of 22.4% over the trailing twelve months. That is well above the market's typical 10-15%.

Industry Metrics
What is Credit Acceptance Corporation's net interest margin?

Credit Acceptance Corporation (CACC) has a net interest margin (NIM) of 17.8%. This indicates healthy earnings from lending activities.

What is Credit Acceptance Corporation's efficiency ratio?

Credit Acceptance Corporation (CACC) has an efficiency ratio of 63.9%. This is reasonable for a bank.

What if you invested $1,000 in CACC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →