Credit Acceptance Corporation (CACC) Stock Price & Analysis
Credit Acceptance Corporation (CACC) closed at USD 558.9 on Thursday, October 22, 2026, up 3.26% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 558.9; the Oct 22, 2026 session ranged USD 540.41–560.7 on volume of 76,630 shares. Market capitalization is —, with a 52-week range of USD 401.9–668.86 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:27 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CACC.md
Key facts (CACC)
- Last four reported quarters (through Jun 30, 2026): revenue $2.33B, net income $502M (21.5% margin) (SEC filings).
- 2 of 80 tracked superinvestors hold CACC (13F, Q2 2026): 0 new, 0 added, 2 reduced, 0 unchanged.
- Total return with dividends: 1Y +11.8% vs S&P 500 +14.9%; 5Y -10.2% vs S&P 500 +80.3%.
- Next earnings: 2026-10-29, EPS estimate USD 12.34, revenue estimate $596M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CACC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.86B | $1.83B | $1.90B | $2.16B | $2.32B | $2.33B |
| Net income | $958M | $536M | $286M | $248M | $424M | $502M |
| EPS (diluted) | $59.52 | $39.32 | $21.99 | $19.88 | $36.38 | — |
| Free cash flow | $1.06B | $1.24B | $1.20B | $1.14B | $1.05B | $1.22B |
| Net margin | 51.6% | 29.2% | 15.0% | 11.5% | 18.3% | 21.5% |
| Revenue growth | +11.2% | -1.3% | +3.8% | +13.7% | +7.2% | — |
| Cash + short-term investments | $23.3M | $7.7M | $13.2M | $344M | $22.8M | — |
| Total debt | $793M | $795M | $989M | $991M | $1.09B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CACC)
P/E at fiscal year-ends: Dec 2025 12.2x, Dec 2024 23.6x, Dec 2023 24.2x.
Superinvestors (SEC 13F-HR, Q2 2026) (CACC)
2 of 80 tracked investors hold CACC. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Robert Vinall | RV Capital GmbH | 18.01% | $68.9M | Reduced -12.8% |
| Ruane Cunniff | Ruane Cunniff LP | 0.05% | $3.4M | Reduced -96.4% |
Analysts (CACC)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-06 | TD Cowen | Target lowered | Hold | $600 → $590 |
| 2026-08-05 | TD Cowen | Target raised | Hold | $575 → $600 |
| 2026-07-07 | TD Cowen | Target raised | Hold | $500 → $575 |
Total return (dividends reinvested) (CACC)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +11.8% | -10.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +11.8% | -2.1% |
| Volatility (annualized) | 37.4% | 40.0% |
| Max drawdown | -22.1% (Jul 2026→Oct 2026) | -42.4% (Dec 2021→Mar 2023) |
CACC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $12.34 | $12.25 | +0.7% | $596.4M | 3 |
| Next quarter (ends Dec 2026) | $12.65 | $12.60 | +0.4% | $603.0M | 3 |
| Current fiscal year (ends Dec 2026) | $47.79 | $47.34 | +0.9% | $2.37B | 3 |
| Next fiscal year (ends Dec 2027) | $55.18 | $54.82 | +0.7% | $2.51B | 3 |
Key Statistics (as of October 23, 2026 at 09:27 UTC)
| Price | USD 558.9 |
|---|---|
| Change | ▲ 3.26% (up) |
| Previous Close | USD 558.9 |
| Open | USD 558.9 |
| Day Range | USD 540.41 – 560.7 |
| 52-Week Range | USD 401.9 – 668.86 |
| Volume | 76,630 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (CACC)
Nexqual's technical model rates CACC "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 09:27 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 51.63 (neutral) |
| vs SMA50 | Below (USD 569.75) |
| MACD | -6.5 (negative) |
Earnings (CACC)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 12.34 |
| Revenue Estimate | $596.40M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 12.12 vs est 11.85 ▲ beat |
| 2026-03-31 | USD 10.71 vs est 10.51 ▲ beat |
| 2025-12-31 | USD 11.35 vs est 9.85 ▲ beat |
| 2025-09-30 | USD 10.28 vs est 9.45 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Financials & Fundamentals (CACC)
| Total Revenue | $1.30B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +9.50% |
| Gross Margin | +94.65% |
| Operating Margin | +52.56% |
| Profit Margin | +38.51% |
| ROE | +31.93% |
| Debt / Equity | 3.96 |
| Current Ratio | 4.83 |
| Total Cash | $1.40M |
| Total Debt | $6.29B |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Ownership (CACC)
| Insider Ownership | +36.72% |
|---|---|
| Institutional Ownership | +76.65% |
| Shares Outstanding | 10.38M |
| Float | 5.12M |
| Short % of Float | +28.06% |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Leadership (CACC)
Credit Acceptance Corporation is led by Vinayak R. Hegde, CEO, President & Director, per Nexqual as of October 23, 2026 at 09:27 UTC.
| CEO, President & Director | Vinayak R. Hegde |
|---|---|
| CFO and Principal Financial & Accounting Officer | Joseph Billante |
| Chief Operating Officer | Jonathan L. Lum |
| Chief Technology Officer | Jeetu Mirchandani |
| Chief Marketing Officer | Siddharth Lal |
Major Backers & Investors (CACC)
Notable institutional backers of Credit Acceptance Corporation include Prescott General Partners LLC, Boston Partners, Gobi Capital LLC, according to Nexqual as of October 23, 2026 at 09:27 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Prescott General Partners LLC | 13.74% |
| Boston Partners | 5.48% |
| Gobi Capital LLC | 3.42% |
| Beck, Mack & Oliver LLC | 2.93% |
| Wellington Management | 2.49% |
| John Hancock Funds III-Disciplined Value Mid Cap Fund | 2.33% |
| Universal- Beteiligungs- und Servicegesellschaft mbH | 2.04% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 6.14% |
| Vanguard Group | 4.14% |
| Dimensional Fund Advisors | 2.27% |
Source: Nexqual, October 23, 2026 at 09:27 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| KLAR | Klarna Group plc | USD 13.23 | ▲ 0.84% |
| OMF | OneMain Holdings, Inc. | USD 57.11 | ▲ 0.49% |
| SEZL | Sezzle Inc. | USD 139.3 | ▲ 2.26% |
| NNI | Nelnet, Inc. | USD 125.85 | ▲ 0.26% |
| ENVA | Enova International, Inc. | USD 176.78 | ▼ 1.82% |
| SLM | SLM Corporation | USD 21.76 | ▼ 4.69% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:27 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt