Credit Acceptance Corporation (CACC) Price Target Analysis
Wall Street analyst price targets, ratings consensus & upside potential · Updated May 1, 2026
Current Price
$539.93
Price Target
$540.00
Target Range
$540.00 — $540.00
Analyst Rating
Hold
Forward P/E11.7x
Trailing P/E14.4x
Forward PEG1.19
Implied Growth+11.5%
Median Target$540.00
Analyst Spread0.0%
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Bear Case
$540
+0.0%
Consensus
$540
+0.0%
Bull Case
$540
+0.0%
Valuation Model TargetsConfidence: 46/100
Bear$433
Base$813
Bull$2323
CACC Price Target Analysis
Updated May 7, 2026As of May 7, 2026, Credit Acceptance Corporation (CACC) has a Wall Street consensus price target of $540.00, based on estimates from 18 covering analysts. With the stock currently trading at $539.93, this represents a potential upside of +0.0%. The company has a market capitalization of $5.63B.
Analyst price targets range from a low of $540.00 to a high of $540.00, representing a 0% spread in expectations. The median target of $540.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 0 analysts rating the stock as a Buy or Strong Buy,12 rating it Hold, and 6 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.
From a valuation perspective, CACC trades at a trailing P/E of 14.4x and forward P/E of 11.7x. The forward PEG ratio of 1.19 indicates reasonable valuation for growth. Analysts expect EPS to grow +11.5% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $812.91, with bear and bull scenarios of $432.70 and $2322.84 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside+18.7%
Avg Forward P/E13.6x
Peers with Coverage9 / 10
| Company | Market Cap | Price | Target | Upside | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 ALLYAlly Financial Inc. | $13.7B | $44.30 | $53.33 | +20.4% | Buy | 8.3x | 38 |
 DTDynatrace, Inc. | $11.4B | $38.21 | $49.81 | +30.4% | Buy | 22.7x | 34 |
 WRLDWorld Acceptance Corporation | $751M | $149.09 | — | — | Hold | 21.1x | 10 |
 COFCapital One Financial Corporation | $119.7B | $193.40 | $267.18 | +38.1% | Buy | 9.8x | 56 |
 SYFSynchrony Financial | $26.1B | $75.15 | $90.55 | +20.5% | Buy | 8.1x | 41 |
 OMFOneMain Holdings, Inc. | $6.5B | $55.90 | $69.71 | +24.7% | Buy | 7.6x | 31 |
 ENVAEnova International, Inc. | $4.3B | $172.57 | $199.50 | +15.6% | Buy | 10.5x | 10 |
 PRAAPRA Group, Inc. | $819M | $21.29 | $26.00 | +22.1% | Hold | 26.4x | 13 |
 ECPGEncore Capital Group, Inc. | $1.8B | $84.24 | $85.00 | +0.9% | Buy | 7.0x | 15 |
 KMXCarMax, Inc. | $5.6B | $39.43 | $37.78 | -4.2% | Hold | 14.6x | 35 |
Upside Potential Comparison
COFDTOMFPRAASYFALLYENVAECPGSee CACC's True Return
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Start ComparisonCACC — Frequently Asked Questions
Quick answers to the most common questions about buying CACC stock.
What is the CACC stock price target for 2026?
The consensus price target for CACC is $540, close to the current price of $539.93 (0.0% implied move). Based on 18 analyst estimates, the stock appears fairly valued near current levels.
Is CACC a buy, sell, or hold?
CACC has a consensus rating of "Hold" based on 18 Wall Street analysts. The rating breakdown is leaning bearish, with 6 Sell/Strong Sell ratings. The consensus 12-month price target of $540 implies 0.0% upside from current levels.
Is CACC stock overvalued or undervalued?
With a forward P/E of 11.6962x, CACC trades at a relatively low valuation. The consensus target of $540 implies 0.0% appreciation, suggesting the market may be pricing in risks.
How high can CACC stock go?
The most bullish Wall Street analyst has a price target of $540 for CACC, while the most conservative target is $540. The consensus of $540 represents the median expectation. Our quantitative valuation model projects a bull case target of $2323 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover CACC stock?
CACC is well covered by analysts, with 18 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 0 have Buy ratings, 12 recommend Hold, and 6 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the CACC stock forecast?
The 12-month CACC stock forecast based on 18 Wall Street analysts shows a consensus price target of $540, with estimates ranging from $540 (bear case) to $540 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $813, with bear/bull scenarios of $433/$2323.
What is CACC's fair value based on fundamentals?
Our quantitative valuation model calculates CACC's fair value at $813 (base case), with a bear case of $433 and bull case of $2323. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.
What is CACC's forward P/E ratio?
CACC trades at a forward P/E ratio of 11.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 14.4x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy CACC stock?
CACC appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $540 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do CACC price targets vary so much?
CACC analyst price targets range from $540 to $540, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $540 consensus represents the middle ground. Our model's $433-$2323 range provides an independent fundamental perspective.