Credit Acceptance Corporation (CACC) P/E Ratio History
Historical price-to-earnings valuation from 1992 to 2025
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Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of March 1, 2026, Credit Acceptance Corporation (CACC) trades at a price-to-earnings ratio of 23.8x, with a stock price of $473.18 and trailing twelve-month earnings per share of $39.55.
The current P/E is 40% above its 5-year average of 17.0x. Over the past five years, CACC's P/E has ranged from a low of 8.7x to a high of 36.8x, placing the current valuation at the 80th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.8x, CACC trades at a 73% premium to its sector peers. The sector includes 789 companies with P/E ratios ranging from 0.0x to 196.2x.
Relative to the broader market, CACC trades roughly in line with the S&P 500 median P/E of 26.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CACC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
Peer Comparison
P/E metrics vs. Auto and Specialty Asset Finance peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
IXORIX Corporation | $39B | 18.1 | 3.40 | +3% |
ALLYAlly Financial Inc. | $12B | 16.6 | - | +32% |
CACCCredit Acceptance Corporation | $5B | 23.8 | - | -10% |
MFINMedallion Financial Corp. | $298M | 6.6Lowest | 0.07Best | -36% |
ANTAAntalpha Platform Holding Company | $208M | 46.2 | - | +166%Best |
CPSSConsumer Portfolio Services, Inc. | $179M | 10.3 | 0.35 | -56% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
Historical P/E Data
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q3 | $466.93 | $37.77 | 12.4x | -35% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $509.43 | $34.69 | 14.7x | -22% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $516.35 | $23.44 | 22.0x | +17% |
| FY2024 Q4 | $469.46 | $19.86 | 23.6x | +25% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $443.42 | $14.89 | 29.8x | +58% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $514.68 | $13.97 | 36.8x | +95% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $551.55 | $19.49 | 28.3x | +50% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $532.73 | $22.02 | 24.2x | +28% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $460.12 | $24.31 | 18.9x | +0% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $507.93 | $25.37 | 20.0x | +6% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $436.04 | $31.62 | 13.8x | -27% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $474.40 | $38.95 | 12.2x | -36% |
Average P/E for displayed period: 18.9x
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Start ComparisonFrequently Asked Questions
Is CACC stock overvalued or undervalued?
CACC trades at 23.8x P/E, above its 5-year average of 17.0x. The 80th percentile ranking indicates a premium to historical valuation.
How does CACC's valuation compare to peers?
Credit Acceptance Corporation P/E of 23.8x compares to sector median of 13.8x. The premium reflects expected growth above peers.
What is CACC's PEG ratio?
CACC PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 1992-2025.