Credit Acceptance reaches over $700M settlement with states
Under the agreement, the company will eliminate all debt owed by more than 55,000 consumers across the nation, resulting in ...
Model output · Signal date 2026-10-14
Credit Acceptance Corp (CACC) Stock Forecast Oct. 14, 2026
Analysis updated on Oct. 14, 2026 (UTC) · Total · absolute moveSwitch to Alpha · Nasdaq
Rating · 90D
Total
90-day forecast
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30-day forecast
Total
Rank in coverage
Middle 30%
of 4009 stocks scored
Rank correlation · 90D
n/a
No per-ticker sample yet
Market Cap
$5.67B
mid-cap · #3 of 11 peers
Summary
Credit Acceptance Corp (CACC) stock forecast summary
On Oct. 14, 2026, CACC is rated Neutral: its 90-day Total forecast sits in the middle 30% of the 4009 stocks scored that day.
Credit Acceptance Corp is a mid-cap company with a market capitalization of $5.67B. It ranks number 3 by market capitalization among the 11 Personal Credit Institutions issuers in our coverage with a current forecast. Its P/B Ratio of 3.57x is the highest of the 10 peers that report one. Its ROE of 31.6% is the highest of the 10 peers that report one.
A per-ticker accuracy statistic for CACC is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected absolute price move over the horizon, market included. This is the number a price target is built from. Ratings: strong buy ≥ +4.5%, buy ≥ +3.4%, sell < +2.1%, strong sell < +0.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-14 signals)
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CACC price chart and AI forecast
Cross-section · 2026-10-14
How CACC ranks among 4009 stocks
90D Total forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Fundamentals
Credit Acceptance Corp (CACC) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Personal Credit Institutions peers listed below that report each metric.
Valuation & Market
| Metric | CACC | Rank |
|---|---|---|
| Market Cap | $5.67B | 3/11 |
| P/E Ratio | 11.29x | 5/11 |
| P/B Ratio | 3.57x | 1/10 |
| EPS | $45.36 | – |
| Book Value/Share | $153.06 | – |
| Revenue/Share | $224.43 | – |
| FCF/Share | $117.63 | – |
Profitability & Margins
| Metric | CACC | Rank |
|---|---|---|
| ROE | 31.6% | 1/10 |
| ROA | 5.8% | 1/10 |
| Gross Margin | 52.9% | – |
| Net Margin | 21.5% | 4/10 |
| EBT Margin | 27.9% | 5/11 |
| Tax Rate | 22.7% | – |
Financial Health
| Metric | CACC | Rank |
|---|---|---|
| D/E Ratio | 4.43x | 7/10 |
| Financial Leverage | 5.43x | 7/10 |
Cash Flow
| Metric | CACC | Rank |
|---|---|---|
| Operating Cash Flow | $1.23B | 5/11 |
| Free Cash Flow | $1.22B | 2/7 |
| Capital Spending | -$4M | 1/7 |
| OCF Growth YoY | 10.4% | 7/9 |
| FCF Growth YoY | 10.2% | 4/6 |
| FCF/Sales | 52.4% | 2/7 |
| CapEx/Sales | 0.2% | 7/7 |
Operational Efficiency
| Metric | CACC | Rank |
|---|---|---|
| Asset Turnover | 0.27x | 6/11 |
| Fixed Assets Turnover | 165.2x | 2/10 |
Income Statement
| Metric | CACC | Rank |
|---|---|---|
| Total Revenue | $2.33B | 6/11 |
| Net Income | $501M | 3/10 |
| SG&A Expense | $343M | – |
| Cost of Goods Sold | $1.10B | – |
Dividend & Shareholder Information
| Metric | CACC | Rank |
|---|---|---|
| Shares Outstanding | 10M | – |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $1M | 0.0% of assets |
| Total Liabilities | $7.03B | 81.6% of assets |
Quarterly Financial Reports
CACC quarterly financials and insider trading
Industry Peers · Personal Credit Institutions
Credit Acceptance Corp (CACC) industry peers
Companies classified under the same SEC industry code as Credit Acceptance Corp (Personal Credit Institutions): 11 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Total) | Market Cap |
|---|---|---|
| CACC Credit Acceptance Corp | ▶ | $5.67B |
| AFRM Affirm Holdings, Inc. | ▲ | $26.28B |
| OMF Onemain Holdings, Inc. | ▶ | $6.48B |
| NNI Nelnet Inc | ▼ | $4.54B |
| ENVA Enova International, Inc. | ▲ | $4.36B |
| SLM Slm Corp | ▶ | $4.27B |
| BFH Bread Financial Holdings, Inc. | ▲ | $3.93B |
| HAPN Happen, Inc. | ▲ | $1.71B |
| ATLC Atlanticus Holdings Corp | ▲ | $1.44B |
| WRLD World Acceptance Corp | ▲ | $826M |
| RM Regional Management Corp. | ▶ | $317M |
Where CACC sits on the market map
Finance · Personal Credit Institutions
News
Credit Acceptance Corp (CACC) stock news
Credit Acceptance reaches $710 million predatory auto lending settlement with most US states
By Jonathan Stempel NEW YORK, Sept 17 (Reuters) - Credit Acceptance Corp agreed to a $710 million settlement with 40 U.S. states and Washington, D.C. to resolve charges it drove thousands of borrowers ...
Could you get debt relief from Credit Acceptance car loan deal?
Settlement with Credit Acceptance Corporation offers debt relief to drivers with risky loans, following push by New York Attorney General and others.
FAQ
Credit Acceptance Corp (CACC) stock forecast FAQ
What is the Credit Acceptance Corp (CACC) stock forecast?
On Oct. 14, 2026, CACC is rated Neutral: its 90-day Total forecast sits in the middle 30% of the 4009 stocks scored that day.
How accurate are Credit Acceptance Corp stock predictions?
A per-ticker accuracy statistic for CACC is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Credit Acceptance Corp forecasts updated?
Credit Acceptance Corp forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 14, 2026.
Which companies are Credit Acceptance Corp's industry peers?
11 issuers in our coverage, CACC included, share the SEC industry code Personal Credit Institutions. The largest are: Affirm Holdings, Inc. (AFRM), Onemain Holdings, Inc. (OMF), Nelnet Inc (NNI), Enova International, Inc. (ENVA), Slm Corp (SLM), Bread Financial Holdings, Inc. (BFH).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.