Credit Acceptance Corp (CACC) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Total · absolute moveSwitch to Alpha · Nasdaq
Credit Acceptance Corp (CACC) stock forecast summary
Our AI ranks Credit Acceptance Corp outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Credit Acceptance Corp is a mid-cap company with a market capitalization of $5.62B. 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 3.53x 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.
For CACC, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 44.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 30.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% 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 ≥ +5.1%, buy ≥ +3.4%, sell < +1.8%, strong sell < +0.8% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
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How CACC ranks among 5184 stocks
90D Total forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
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 | $5.62B | 3/11 |
| P/E Ratio | 11.93x | 6/11 |
| P/B Ratio | 3.53x | 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 | 53.0% | – |
| 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 | 5/10 |
| Fixed Assets Turnover | 165.2x | 2/10 |
Income Statement
| Metric | CACC | Rank |
|---|---|---|
| Total Revenue | $2.33B | 6/11 |
| Net Income | $502M | 3/10 |
| SG&A Expense | $343M | – |
| Cost of Goods Sold | $1.10B | – |
Dividend & Shareholder Information
| Metric | CACC | Rank |
|---|---|---|
| Shares Outstanding | 10M | – |
| Net Income Growth | 18.3% | 8/10 |
| EPS Growth | 30.7% | 9/11 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $1M | 0.0% of assets |
| Total Liabilities | $7.03B | 81.6% of assets |
CACC quarterly financials and insider trading
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 | ▲ | $5.62B |
| AFRM Affirm Holdings, Inc. | ▲ | $24.97B |
| OMF Onemain Holdings, Inc. | ▶ | $6.58B |
| NNI Nelnet Inc | ▼ | $4.56B |
| ENVA Enova International, Inc. | ▲ | $4.43B |
| SLM Slm Corp | ▲ | $4.10B |
| BFH Bread Financial Holdings, Inc. | ▲ | $3.94B |
| HAPN Happen, Inc. | ▲ | $1.67B |
| ATLC Atlanticus Holdings Corp | ▶ | $1.40B |
| WRLD World Acceptance Corp | ▶ | $800M |
| RM Regional Management Corp. | ▶ | $317M |
Where CACC sits on the market map
Credit Acceptance Corp (CACC) stock news
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Credit Acceptance Corp (CACC) stock forecast FAQ
What is the Credit Acceptance Corp (CACC) stock forecast?
Our AI ranks Credit Acceptance Corp outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
How accurate are Credit Acceptance Corp stock predictions?
For CACC, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 44.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 30.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% 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. 16, 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.