Credit Acceptance Corporation (CACC) P/E Ratio History
Historical price-to-earnings valuation from 1992 to 2026
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CACC Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, Credit Acceptance Corporation (CACC) trades at a price-to-earnings ratio of 14.4x, with a stock price of $539.93 and trailing twelve-month earnings per share of $41.39.
The current P/E is 15% below its 5-year average of 16.9x. 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 55th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, CACC is roughly in line with its sector peers. The sector includes 774 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 1.46 (P/E divided by 89% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, CACC trades at a notable discount to the S&P 500 median P/E of 25.2x. 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.
CACC P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $14B | 18.7 | - | +32% | |
| $11B | 24.0 | - | +206% | |
| $751M | 9.1 | 0.26 | +24% | |
| $120B | 48.0 | - | -65% | |
| $26B | 8.1 | 0.25Best | +9% | |
| $7B | 8.5 | 2.17 | +55% | |
| $4B | 14.9 | - | +56% | |
| $2B | 7.7Lowest | 0.75 | +287%Best | |
| $6B | 12.3 | - | +6% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
CACC Historical P/E Data (1992–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | $423.46 | $40.24 | 10.5x | -44% | |
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $443.46 | $36.50 | 12.1x | -35% |
| FY2025 Q3 | $466.93 | $37.77 | 12.4x | -34% | |
| 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 | +26% | |
| 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 | +96% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $551.55 | $19.49 | 28.3x | +51% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $532.73 | $22.02 | 24.2x | +29% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $460.12 | $24.31 | 18.9x | +1% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $507.93 | $25.37 | 20.0x | +7% |
Average P/E for displayed period: 18.8x
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Start ComparisonCACC — Frequently Asked Questions
Quick answers to the most common questions about buying CACC stock.
Is CACC stock overvalued or undervalued?
CACC trades at 14.4x P/E, near its 5-year average of 16.9x. The 55th percentile ranking places valuation within normal historical bounds.
How does CACC's valuation compare to peers?
Credit Acceptance Corporation P/E of 14.4x compares to sector median of 13.4x. The premium reflects expected growth above peers.
What is CACC's PEG ratio?
CACC PEG ratio is 1.46. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 1992-2026.