CACC Company Profile and Key Details

Credit Acceptance Corporation trades at a P/E ratio of 15.87, slightly below the S&P 500 average, with a price-to-sales ratio of 2.94 and a price-to-book ratio of 4.61 trading at moderately above to book value. The P/FCF stands at 6.46, also above market averages.

Credit Acceptance Corporation last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $1.75 thousand. This means the shares are trading below this model’s fair value.

Credit Acceptance Corporation generated EPS of $36.50 over the past year. Five-year average earnings growth is 9.16%. Wall Street analysts project EPS growth of 23.56% annually over the next five years. The latest quarter delivered EPS of $10.71. The next quarter is forecast at $10.39. Next year's EPS is expected at $71.52. Analyst sentiment is neutral. Analyst rating data shows there are 0 Strong Buy ratings, 0 Buy ratings, 4 Hold ratings, 1 Sell rating and 0 Strong Sell ratings. Price targets range from $575.00 to $430.00. The high target offers -11.07% upside. The low target suggests -33.5% downside. The mean target is $503.00. This offers -22.21% upside. Credit Acceptance Corporation earnings surprise history is a mixed track record. The quarter that ended May 05, 2026, missed forecasts by -0.19%. The prior quarter beat by 10.19%. Over the last six quarters, Apple has recorded several small beats. These include 59.22% in January 30, 2025.

Credit Acceptance Corporation has 11.24 million shares outstanding. The public float is 7.21 million shares, elevated short interest at 15.47% of float. This equals 640.61 thousand shares. The short ratio is 5.44 days. Institutional investors hold 127.69% of the float. Insiders own 47.24%. Donald A. Foss Irrevocable Trust Dated August 14, 2022 holds 1.28 million shares, Watson Jill Foss has 92.11 thousand shares and SMITH THOMAS W has 74.45 thousand shares. Over the past six months, insider transactions show net selling. They sold 54.83 thousand shares across 58 transactions.

Our AI price prediction model suggests that Credit Acceptance Corporation stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 14.55%, with price expected at $740.67 by July 21, 2026, within a range of $726.97 to $753.98 3-Month Outlook: Projected fall of -8.62%, reaching $590.85 by October 02, 2026, with a range of $578.72 to $602.40. 1-Year Outlook: Projected loss of -2.25%, with price at $632.05 by July 07, 2027, within a range of $617.73 to $647.48.

Credit Acceptance Corporation (NASDAQ:CACC) shares are flat -0.27% year-to-date currently trading near 52-week highs band. Short-term momentum has been negative over the last quarter, despite recent volatility. Valuation shows Credit Acceptance Corporation trading at a premium to the broader market with a P/E of 15.87. Analyst sentiment is mixed, with the majority of ratings in Hold territory and a mean price target of $356.13, suggesting -44.92% downside. Our AI forecast model points to short-term strength (14.55% over two weeks), a medium-term fall (-8.62% over three months), and a longer-term loss (-2.25% over one year), with expected trading ranges indicating moderate volatility.