# Credit Acceptance Corporation (CACC)

> Source: Nexqual · https://nexqual.com/CACC · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Credit Acceptance Corporation (CACC), nexqual.com/CACC" · informational, not investment advice.

**Price:** USD 558.9 (+3.26% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 541.25 · day 540.41–560.7 · 52w 401.9–668.86 · market cap $5.80B · NMS

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $2.33B, net income $502M (21.5% margin) (SEC filings).
- Valuation: P/E 11.6x (avg 20.0x at the last 3 fiscal year-ends).
- 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)
| 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)
P/E 11.6x · P/S 2.5x · P/FCF 4.8x · P/B 3.6x · FCF yield 21.05% · Earnings yield 8.65% · Buyback yield (TTM) 10.67%
P/E at fiscal year-ends: Dec 2025 12.2x, Dec 2024 23.6x, Dec 2023 24.2x.

## Superinvestors (SEC 13F-HR, Q2 2026)
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
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)
|  | 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) |

## Peers (Credit Services)
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%

## More
Full page: https://nexqual.com/CACC · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $12.34 | $12.25 | +0.7% | $596.4M | 3 |
| Next quarter (ends 2026-12-31) | $12.65 | $12.60 | +0.4% | $603.0M | 3 |
| Current fiscal year (ends 2026-12-31) | $47.79 | $47.34 | +0.9% | $2.37B | 3 |
| Next fiscal year (ends 2027-12-31) | $55.18 | $54.82 | +0.7% | $2.51B | 3 |