Wall Street analyst price targets, ratings consensus & upside potential · Updated Feb 28, 2026
Last 12 months price action with 12-month analyst target path
As of March 2, 2026, Credit Acceptance Corporation (CACC) has a Wall Street consensus price target of $480.00, based on estimates from 18 covering analysts. With the stock currently trading at $473.18, this represents a potential upside of +1.4%. The company has a market capitalization of $5.22B.
Analyst price targets range from a low of $460.00 to a high of $500.00, representing a 8% spread in expectations. The median target of $480.00 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 23.8x and forward P/E of 10.2x. Analysts expect EPS to grow +16.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $1157.34, with bear and bull scenarios of $594.76 and $3233.84 respectively. Model confidence stands at 43/100, suggesting limited visibility into future performance.
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorSee our Bear / Base / Bull DCF models and intrinsic value estimates.
View ValuationSee how CACC stacks up against sector leader JPMorgan Chase & Co..
Start ComparisonThe consensus price target for CACC is $480, close to the current price of $473.18 (1.4% implied move). Based on 18 analyst estimates, the stock appears fairly valued near current levels.
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 $480 implies 1.4% upside from current levels.
With a forward P/E of 10.2384x, CACC trades at a relatively low valuation. The consensus target of $480 implies 1.4% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $500 for CACC, while the most conservative target is $460. The consensus of $480 represents the median expectation. Our quantitative valuation model projects a bull case target of $3234 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
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.
The 12-month CACC stock forecast based on 18 Wall Street analysts shows a consensus price target of $480, with estimates ranging from $460 (bear case) to $500 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $1157, with bear/bull scenarios of $595/$3234.
Our quantitative valuation model calculates CACC's fair value at $1157 (base case), with a bear case of $595 and bull case of $3234. 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 43/100.
CACC trades at a forward P/E ratio of 10.2x based on next-twelve-months earnings estimates compared to a trailing P/E of 23.8x. 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.
CACC appears fairly valued according to analysts, with a "Hold" rating and minimal upside to the $480 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.
CACC analyst price targets range from $460 to $500, a 8% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $480 consensus represents the middle ground. Our model's $595-$3234 range provides an independent fundamental perspective.