Valuation
Is the price right?Insufficient data
Insufficient data: 1 of 2 inputs reported (at least 2 needed). We leave it blank rather than fill the gap with a made-up middle value.
Bringing the fundamentals into focus…
CACC Financial Services
Credit Acceptance Corporation
$480.65-0.85%
Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026
Basics
- Sector
- Financial Services
- Industry
- Credit Services
- Country
- United States
- Market cap
- 4.9B USD
- Full-time employees
- 2,314
Growth
Is it growing?21/100
Weak
3/3 inputs reported · High confidence
Since last quarter: No major change
Why
Compare with peers Weaker than most peers on:
- ▼ EPS growth
- ▼ Revenue growth
Behind the score
Revenue and earnings-per-share growth over one year, and revenue growth over three years.
Earnings per share growth-52.2%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -2.24Sector median: 0.0999 · MAD: 0.27733-year revenue growth8.0%
SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -0.24Sector median: 0.0999 · MAD: 0.0858Revenue growth2.6%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.33Sector median: 0.0742 · MAD: 0.1477Profitability
Does it earn well?16/100
Weak▼ 28 since Oct 27 close
3/3 inputs reported · High confidence
Since last quarter: ▲ Stronger
- Net margin rose 2.1 points to 3.3%
Why it changed since the Oct 27, 2026 close: Score 44 → 16
- Company's reported figures updated-29
- Peer companies moved+1
Why
Compare with peers Weaker than most peers on:
- ▼ ROIC
- ▼ ROA
Behind the score
Return on invested capital, operating margin, and return on assets.
Operating margin27.1%
Yahoo Finance fallback · SEC operating income not reported in standard form · fiscal year to Dec 2025Reported value33% base weight · Z-score 0.24Sector median: 0.2353 · MAD: 0.1462Return on assets0.9%
SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.71Sector median: 0.0256 · MAD: 0.0233Return on invested capital-10.0%
Yahoo Finance fallback · SEC operating income or invested capital unavailable · trailing 12 monthsReported value33% base weight · Z-score -3.14Sector median: 0.0630 · MAD: 0.0518Other data (not scored)
Gross marginUnavailable
Missing · left out of the scoreInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122Return on equity4.9%
SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702Risk
Debt, liquidity, price swingsHigher
Higher relative risk
3/3 inputs reported · High confidence
Since last quarter: No major change
Why it changed since the Oct 27, 2026 close: Safety percentile 11 → 16
- Company's reported figures updated+7
- Peer companies moved-2
Why
Compare with peers Weaker than most peers on:
- ▼ Beta
- ▼ Debt / equity
Behind the score
Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.
Beta1.46
Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -2.44Sector median: 0.7010 · MAD: 0.3115Current ratio9.64×
Yahoo Finance fallback · SEC figure unavailable or out of dateReported value33% base weight · Z-score 6.10Sector median: 2.0250 · MAD: 1.2470Debt / equity4.84×
Yahoo Finance fallback · no standard SEC debt tagReported value33% base weight · Z-score -7.82Sector median: 0.5734 · MAD: 0.5454Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.
Questions investors ask about Credit Acceptance
- Is Credit Acceptance getting weaker?
- Its latest SEC filing (Aug 4, 2026) got stronger: net margin rose 2.1 points to 3.3%. Its overall score is 18/100, down 7 since Oct 28, 2026.
- How is Credit Acceptance valued vs its peers?
- Insufficient data: 1 of 2 inputs reported (at least 2 needed).
- Is Credit Acceptance growing?
- More slowly than most of its peers. Growth scores 21/100 against 432 financial services peers. Earnings per share growth -52.2% vs a peer median of 10.0% (weaker than 92% of peers).Earnings per share growth -52.2% vs peers 10.0% (weaker than 92% of peers).
- How profitable is Credit Acceptance?
- Less profitable than most of its peers. Profitability scores 16/100 against 432 financial services peers. Return on invested capital -10.0% vs a peer median of 6.3% (weaker than 94% of peers).Return on invested capital -10.0% vs peers 6.3% (weaker than 94% of peers).
- How risky is Credit Acceptance?
- Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 9.64× vs a peer median of 2.02× (stronger than 83% of peers).Current ratio 9.64× vs peers 2.02× (stronger than 83% of peers). Beta 1.46 vs a peer median of 0.70 (weaker than 92% of peers).Beta 1.46 vs peers 0.70 (weaker than 92% of peers). A relative measure, not a bankruptcy probability.
Latest filing: what changed
Quarter ended Jun 30, 2026 · filed Aug 4, 2026 · compared with the quarter ended Mar 31, 2026Got stronger
- Net margin rose 2.1 points to 3.3%
Worth watching: Credit Acceptance is in the bottom fifth of its sector on profitability. From 2021 to 2025, 63% of companies in that position posted a loss over the following year, against 4% for the top fifth.
| Previous quarter | Latest quarter | Change | |
|---|---|---|---|
| Revenue (12 months) | 2.3B USD | 2.3B USD | +0.2% |
| Net income (12 months) | 29.5M USD | 78.0M USD | +164.4% |
| Free cash flow (12 months) | 1.1B USD | 1.2B USD | +16.0% |
| Cash | 25.7M USD | 1.4M USD | −94.6% |
| Shares outstanding | 10.5M | 10.4M | −0.8% |
From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.
Industry valuation context
Sector: Financial Services · 98 companiesValuations in Financial Services are above their usual range since 2016.
- 67% of months since 2016 were valued lower than now.
- 32% of companies are in the most expensive fifth of their own price-to-sales history.
- Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
- Median price-to-sales is +30% vs the whole market, against a usual +47%.
Shown for Financial Services: too few Credit Services companies have a long enough history of their own.
Financials
Fiscal years from SEC annual filings · change vs the prior year| Key ratios | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | Change |
|---|---|---|---|---|---|---|
| Net margin | 51.6% | 29.2% | 15.0% | 11.5% | 18.3% | ▲ 6.8 pts |
| Return on assets (ROA) | 13.6% | 7.8% | 3.8% | 2.8% | 4.9% | ▲ 2.1 pts |
| Return on equity (ROE) | 52.5% | 33.0% | 16.3% | 14.2% | 27.8% | ▲ 14 pts |
CACC price history
Price history is added with the daily price update and will appear after the next one.