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Credit Acceptance(NASDAQ) CACC

Market Cap$6.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1992)+21,097%
5 Year+17%
1 Year+6%
1 Month-12%
$553.44
-3.6%
-20.64Today
Credit Acceptance last closing stock price
MetricPriceDate
Last closeUSD 552.732026-07-27
Credit Acceptance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-10.23%USD 615.752026-07-20
1 month-12.11%USD 628.862026-06-26
3 month+6.95%USD 516.792026-04-28
Year to date+24.64%USD 443.462025-12-31
1 year+6.2%USD 520.472025-07-25
3 year+0.88%USD 547.902023-07-28
5 year+16.96%USD 472.602021-07-28
Since inception+21,097.06%USD 2.711992-06-05

Credit Acceptance Financials at a Glance

Market Cap

$6.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$2.31B

Net Income (TTM)

$453.40M

EPS (TTM)

$40.24

P/E Ratio

14.27

Dividend

$0.00

Beta (Volatility)

1.31 (Average)

Price

$553.44

Volume

4,940

Open

$576.53

Previous Close

$553.44

Daily Range

$553.44 - $581.09

52-Week Range

$401.90 - $668.86

Estimated Earnings Date

Jul 30, 2026

CACC News

SellAlert-Blue.png

Billionaire Scion Jill Foss Watson Sells Nearly $1M in Credit Acceptance Shares. What Does This Mean for Investors Now?

Brendan CoffeyJul 21, 2026
Foolcom-Featured.png

CACC Q2 EPS Drops 17%

Motley Fool Markets TeamAug 1, 2025
A person at their desk, looking at data.

Why Credit Acceptance Stock Fell 17.9% This Week

Dave KovaleskiJan 6, 2023
canary

Wells Fargo Is the Canary in the Coal Mine for Subprime Auto Lenders

James BrumleyJun 5, 2020
loan agreement

The Auto Loan Market Is Facing a Meltdown, and These 3 Stocks Could Get Burned

James BrumleyApr 7, 2020
IF_financials

This Subprime Auto Lender Is Up 37% in 2018 -- Here's Why

Motley Fool StaffSep 12, 2018
Oaktree Adjusted Net Income

2 Stocks to Watch for the Next Recession

Jordan WathenJun 25, 2015

Cheap Stocks Wall Street Hates: Credit Acceptance Corporation

Jordan WathenOct 6, 2014
Page 1

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About Credit Acceptance

Credit Acceptance helps car dealers sell vehicles to people with low credit scores. The company provides the money for these sales and handles the monthly payment collections. This service lets people buy reliable cars while giving them a chance to improve their credit history.

The Core Programs

  • Portfolio Program: Money advanced to dealers in exchange for the right to service loans; represents 71.7% of dollar volume in 2025.
  • Purchase Program: Direct purchase of consumer loans from dealers for a one-time payment; represents 28.3% of dollar volume in 2025.
  • Ancillary Products: Vehicle service contracts and protection plans that cover repair costs or loan gaps for consumers.
  • Reinsurance Services: Coverage for vehicle service contracts managed through the subsidiary VSC Re Company.

Growth and Expansion

  • Maintained a network of 15,745 active dealers in 2025, up from 14,174 in 2023.
  • Reached a preliminary settlement in January 2026 regarding multi-state regulatory investigations with a proposed $75.5 million payment.
  • Handled 10.7 million shares of common stock as of February 6, 2026, to manage ownership structure.

What Makes the Business Different

The company uses a proprietary credit scoring system that predicts how likely consumers are to pay back their loans based on historical data. By sharing the risks and rewards of loan collections with dealers, the business ensures that both parties are motivated to find quality consumers.

The Financial Scorecard

  • Revenue rose to $579.9 million in Q4 2025, a 4% increase from $557.7 million in Q4 2024.
  • Operating income reached $306.6 million in Q4 2025, up 66.9% from $183.7 million in Q4 2024.
  • Net income fell to $122 million in Q4 2025, down 19.7% from $151.9 million in Q4 2024.
  • Free cash flow was $268.9 million in Q4 2025, a 12% decrease from $305.5 million in Q4 2024.

Bottom Line

Credit Acceptance has evolved into a nationwide finance provider that balances dealer incentives with consumer credit needs. Its focus on data-driven loan servicing and dealer partnerships supports its position in the non-prime auto market.

AI Generated • Apr 23, 2026

Industry

Consumer Finance

Sector

Financials

Employees

2,314

CEO

Vinayak R. Hegde

Website

www.creditacceptance.com

Headquarters

Southfield, MI 48034-8339, US

CACC Financials

Key Financial Metrics (TTM)

Gross Margin

80.31%

Operating Margin

36.44%

Net Income Margin

19.61%

Return on Equity

29.39%

Return on Capital

14.01%

Return on Assets

5.21%

Earnings Yield

7.01%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$6.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

10.46M

Volume

4.94K

Avg. Volume

166.84K

Financials (TTM)

Gross Profit

$1.86B

Operating Income

$842.50M

EBITDA

$833.50M

Operating Cash Flow

$1.06B

Capital Expenditure

-$2.60M

Free Cash Flow

$1.05B

Cash & ST Invst.

$25.70M

Total Debt

$6.41B

Credit Acceptance Performance Analysis

Credit Acceptance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,832,400,000-1.3%
20232023-12-31USD 1,901,900,0003.8%
20242024-12-31USD 2,162,400,00013.7%
20252025-12-31USD 2,317,200,0007.2%
Credit Acceptance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-302.4%
Q32025-09-300.1%
Q42025-12-310.6%
Q12026-03-310.0%
Credit Acceptance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 39.32-33.9%
20232023-12-31USD 21.99-44.1%
20242024-12-31USD 19.88-9.6%
20252025-12-31USD 36.3883.0%
Credit Acceptance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-14.3%
Q32025-09-3027.1%
Q42025-12-3116.5%
Q12026-03-3112.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$580.00M

+3.1%

Gross Profit

$573.50M

+67.2%

Gross Margin

98.88%

N/A

Market Cap

$6.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.60M

N/A

Employees

2,314

N/A

Net Income

$135.80M

+27.8%

EBITDA

$289.90M

+105.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$25.70M

-97.7%

Total Debt

$6.41B

-4.4%

Accounts Receivable

$7.99B

+124678.1%

Inventory

$0.00

N/A

Long Term Debt

$6.41B

-3.1%

Short Term Debt

$0.00

-100.0%

Return on Assets

5.21%

N/A

Return on Invested Capital

10.18%

N/A

Free Cash Flow

$345.50M

-0.1%

Operating Cash Flow

$346.80M

+0.2%

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Questions About CACC

What is the current price of Credit Acceptance?

Credit Acceptance is trading at $553.44 per share.

What is the 52-week range for Credit Acceptance?

Over the past 52 weeks, Credit Acceptance has traded between $401.90 and $668.86.

How much debt does Credit Acceptance have?

As of the most recent reporting period, Credit Acceptance reported total debt of $6.41B.

How much cash does Credit Acceptance have on hand?

Credit Acceptance reported $551.40M in cash and cash equivalents in its most recent financial results.

What is Credit Acceptance’s dividend yield?

Credit Acceptance does not currently have a dividend yield.

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