Credit Acceptance (CACC) Stock Price

Credit Acceptance Price

NASDAQ·CLOSED
581.30USD-13.98 (-2.38 %)
Market closed

Over the last 19 years Credit Acceptance grew revenue by 13.3% annually, reaching 2.32 B USD. Earnings per share have grown at 16.9% per year over the last 19 years. For Credit Acceptance, the net margin of 18.3% is down versus 51.8% a few years ago. The consensus 12-month price target for Credit Acceptance is 479.40 USD, about 17.5% below where the stock trades today. Of 9 analysts, 0 rate the stock a buy — an overall Hold consensus. The stock trades about 41% above its 52-week low.

Credit Acceptance stock price

Volume
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Credit Acceptance over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Credit Acceptance stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Credit Acceptance's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Credit Acceptance Stock Price History
DateCredit Acceptance Price
8/6/2026581.30 USD
8/5/2026595.28 USD
8/4/2026581.74 USD
8/3/2026572.97 USD
7/31/2026568.91 USD
7/30/2026555.67 USD
7/29/2026570.54 USD
7/27/2026567.38 USD
7/23/2026592.57 USD
7/22/2026606.22 USD
7/21/2026618.48 USD
7/20/2026615.75 USD
7/17/2026640.00 USD
7/16/2026637.55 USD
7/15/2026616.28 USD
7/14/2026617.78 USD
7/13/2026630.41 USD
7/10/2026625.97 USD
7/9/2026627.11 USD
7/8/2026636.57 USD
7/7/2026646.58 USD
7/6/2026658.78 USD
7/2/2026657.12 USD
7/1/2026655.72 USD
6/30/2026636.74 USD
6/29/2026627.02 USD
6/26/2026628.86 USD
6/25/2026623.70 USD
6/24/2026602.14 USD
6/23/2026589.97 USD
6/22/2026576.13 USD
6/18/2026579.14 USD
6/17/2026575.29 USD
6/16/2026579.03 USD
6/15/2026573.30 USD
6/12/2026559.41 USD
6/11/2026529.81 USD
6/10/2026557.70 USD
6/9/2026569.32 USD
6/8/2026562.66 USD
6/5/2026543.97 USD
6/4/2026546.93 USD
6/3/2026540.32 USD
6/2/2026543.13 USD
6/1/2026574.76 USD
5/29/2026573.40 USD
5/28/2026559.84 USD
5/27/2026554.22 USD
5/26/2026551.73 USD
5/22/2026547.87 USD
5/21/2026532.47 USD
5/20/2026557.91 USD
5/19/2026547.93 USD
5/18/2026555.43 USD
5/15/2026547.81 USD
5/14/2026546.66 USD
5/13/2026525.00 USD
5/12/2026526.72 USD
5/11/2026521.74 USD
5/8/2026533.15 USD
5/7/2026522.87 USD
5/6/2026539.93 USD
5/5/2026525.67 USD
5/4/2026507.00 USD
5/1/2026504.84 USD
4/30/2026504.91 USD
4/29/2026500.62 USD
4/28/2026516.79 USD
4/27/2026515.24 USD
4/24/2026514.11 USD
4/23/2026517.75 USD
4/22/2026526.76 USD
4/21/2026521.23 USD
4/20/2026542.71 USD
4/17/2026527.56 USD
4/16/2026494.56 USD
4/15/2026497.36 USD
4/14/2026489.84 USD
4/13/2026475.07 USD
4/10/2026465.15 USD
4/9/2026468.97 USD
4/8/2026467.25 USD
4/7/2026444.72 USD
4/6/2026441.09 USD
4/5/2026441.09 USD
4/2/2026416.51 USD
4/1/2026416.51 USD
3/31/2026419.60 USD
3/30/2026423.46 USD
3/29/2026421.85 USD
3/27/2026419.49 USD
3/26/2026419.49 USD
3/25/2026442.85 USD
3/24/2026443.91 USD
3/23/2026439.77 USD
3/22/2026438.24 USD
3/20/2026431.18 USD
3/19/2026431.18 USD
3/18/2026449.78 USD
3/17/2026461.25 USD
3/16/2026459.44 USD
3/15/2026444.55 USD
3/13/2026447.79 USD
3/12/2026447.79 USD
3/11/2026494.00 USD
3/10/2026499.84 USD
3/9/2026499.41 USD
3/8/2026501.53 USD
3/6/2026497.88 USD
3/5/2026511.28 USD
3/4/2026490.03 USD
3/3/2026481.23 USD
3/2/2026482.15 USD
2/27/2026473.18 USD
2/26/2026486.93 USD
2/25/2026494.33 USD
2/24/2026495.53 USD
2/23/2026489.89 USD
2/20/2026495.34 USD
2/19/2026485.65 USD
2/18/2026505.50 USD
2/17/2026491.36 USD
2/13/2026483.98 USD
2/12/2026485.14 USD
2/11/2026510.71 USD
2/10/2026507.36 USD
2/9/2026503.59 USD
2/6/2026508.90 USD
2/5/2026495.07 USD
2/4/2026507.26 USD
2/3/2026495.97 USD
2/2/2026511.43 USD
1/30/2026498.24 USD
1/29/2026451.24 USD
1/28/2026433.43 USD
1/27/2026437.72 USD
1/26/2026452.95 USD
1/23/2026445.42 USD
1/22/2026443.97 USD
1/21/2026441.22 USD
1/20/2026442.25 USD
1/16/2026472.03 USD
1/15/2026473.49 USD
1/14/2026475.31 USD
1/13/2026461.58 USD
1/12/2026466.01 USD
1/9/2026476.32 USD
1/8/2026466.22 USD
1/7/2026460.58 USD
1/6/2026465.64 USD
1/5/2026460.24 USD
1/2/2026453.92 USD
12/31/2025443.46 USD
12/30/2025450.33 USD
12/29/2025455.47 USD
12/26/2025457.23 USD
12/24/2025457.33 USD
12/23/2025460.98 USD
12/22/2025463.85 USD
12/19/2025462.11 USD
12/18/2025457.27 USD
12/17/2025456.94 USD
12/16/2025454.87 USD
12/15/2025464.04 USD
12/12/2025472.21 USD
12/11/2025477.47 USD
12/10/2025475.16 USD
12/9/2025460.62 USD
12/8/2025461.29 USD
12/5/2025464.68 USD
12/4/2025460.93 USD
12/3/2025474.41 USD
12/2/2025466.24 USD
12/1/2025460.18 USD
11/28/2025461.97 USD
11/26/2025450.57 USD
11/25/2025448.23 USD
11/24/2025439.61 USD
11/21/2025427.71 USD
11/20/2025411.04 USD
11/19/2025423.68 USD
11/18/2025423.52 USD
11/17/2025421.10 USD
11/14/2025441.30 USD
11/13/2025440.24 USD
11/12/2025445.00 USD
11/11/2025434.75 USD
11/10/2025433.00 USD
11/7/2025422.35 USD
11/6/2025416.47 USD
11/5/2025451.39 USD
11/4/2025429.76 USD
11/3/2025456.99 USD
10/31/2025447.34 USD
10/30/2025452.38 USD
10/29/2025459.29 USD
10/28/2025494.17 USD
10/27/2025503.11 USD
10/24/2025506.56 USD
10/23/2025499.90 USD
10/22/2025501.39 USD
10/21/2025501.82 USD
10/20/2025494.41 USD
10/17/2025491.32 USD
10/16/2025475.76 USD
10/15/2025491.12 USD
10/14/2025504.25 USD
10/13/2025488.14 USD
10/10/2025478.72 USD
10/9/2025492.87 USD
10/8/2025513.14 USD
10/7/2025492.98 USD
10/6/2025492.28 USD
10/3/2025485.88 USD
10/2/2025480.19 USD
10/1/2025479.28 USD
9/30/2025466.93 USD
9/29/2025449.70 USD
9/28/2025449.70 USD
9/25/2025458.46 USD
9/24/2025466.40 USD
9/23/2025492.01 USD
9/22/2025496.37 USD
9/19/2025507.31 USD
9/18/2025504.27 USD
9/17/2025504.36 USD
9/16/2025501.00 USD
9/15/2025502.05 USD
9/12/2025472.52 USD
9/11/2025525.00 USD
9/10/2025516.41 USD
9/9/2025518.75 USD
9/8/2025513.17 USD
9/5/2025521.02 USD
9/4/2025520.73 USD
9/3/2025519.70 USD
9/2/2025512.12 USD
8/29/2025514.75 USD
8/28/2025510.01 USD
8/27/2025510.27 USD
8/26/2025521.71 USD
8/25/2025512.33 USD
8/22/2025506.51 USD
8/21/2025482.24 USD
8/20/2025481.52 USD
8/19/2025476.75 USD
8/18/2025474.56 USD
8/15/2025474.74 USD
8/14/2025477.66 USD
8/13/2025488.11 USD
8/12/2025478.39 USD
8/11/2025463.92 USD
Access this data via the Eulerpool API

Credit Acceptance Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2021
1.85 B USD
1.26 B USD
958.30 M USD
Jan 1, 2022
1.82 B USD
702.30 M USD
535.80 M USD
Jan 1, 2023
1.90 B USD
367.60 M USD
286.10 M USD
Jan 1, 2024
2.13 B USD
325.10 M USD
247.90 M USD
Jan 1, 2025
2.32 B USD
1.10 B USD
423.90 M USD
Jan 1, 2026 (e)
2.36 B USD
871.56 M USD
554.04 M USD
Jan 1, 2027 (e)
2.50 B USD
922.10 M USD
648.53 M USD
Jan 1, 2028 (e)
2.75 B USD
1.02 B USD
823.61 M USD

Credit Acceptance Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 9, 2026, 9:49 PM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
EBITB USD
EBIT MARGIN%
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
20132014201520162017201820192020202120222023202420252026e2027e2028e
0.680.720.780.921.051.221.481.671.851.821.902.132.322.362.502.75
11.516.497.7617.8714.7216.2520.9312.5811.11-1.464.2812.268.581.945.8010.20
71.5372.7171.0872.7473.1071.3871.6074.9577.2473.94100.0062.4298.7598.7598.7598.75
0.490.530.550.670.770.871.061.251.431.351.901.332.292.332.472.72
0.400.440.470.580.650.760.850.541.260.700.370.331.100.870.921.02
58.2661.0860.9362.9261.4161.7357.3432.4367.8438.5119.3115.2347.6036.8836.8936.89
253.00266.00299.00332.00470.00574.00656.00421.00958.00535.00286.00247.00423.00554.00648.00823.00
15.535.1412.4111.0441.5722.1314.29-35.82127.55-44.15-46.54-13.6471.2630.9716.9727.01
23.5821.1720.8420.2119.4719.5018.8317.6314.9013.2912.8412.3911.1011.1011.1011.10
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Credit Acceptance generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Credit Acceptance retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Credit Acceptance's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Credit Acceptance has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Credit Acceptance's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Credit Acceptance stock margins

The Credit Acceptance margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Credit Acceptance. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Credit Acceptance.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2021
77.25 %
67.85 %
51.77 %
Jan 1, 2022
73.94 %
38.52 %
29.39 %
Jan 1, 2023
100.00 %
19.33 %
15.04 %
Jan 1, 2024
62.41 %
15.23 %
11.62 %
Jan 1, 2025
98.75 %
47.63 %
18.29 %
Jan 1, 2026 (e)
98.75 %
36.89 %
23.45 %
Jan 1, 2027 (e)
98.75 %
36.89 %
25.95 %
Jan 1, 2028 (e)
98.75 %
36.89 %
29.90 %

Credit Acceptance Stock Revenue, EBIT, Earnings per Share

The Credit Acceptance earnings per share therefore indicates how much revenue Credit Acceptance has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2021
124.18 USD
84.25 USD
64.29 USD
Jan 1, 2022
137.12 USD
52.83 USD
40.30 USD
Jan 1, 2023
148.16 USD
28.64 USD
22.29 USD
Jan 1, 2024
172.29 USD
26.24 USD
20.01 USD
Jan 1, 2025
208.69 USD
99.40 USD
38.18 USD
Jan 1, 2026 (e)
206.76 USD
78.49 USD
48.49 USD
Jan 1, 2027 (e)
218.75 USD
83.04 USD
56.76 USD
Jan 1, 2028 (e)
241.05 USD
91.51 USD
72.08 USD

Credit Acceptance business model & stock analysis

Credit Acceptance Corp is a US financial services provider specializing in providing auto loans for people with poor credit. The company was founded in 1972 and is headquartered in Southfield, Michigan. It employs around 8,000 people and has branches in several US states.

Credit Acceptance SWOT Analysis

Strengths

  • Established company with a strong market presence.
  • Wide range of lending services offered to customers.
  • Robust network of dealerships and partnerships.
  • Strong financial performance and consistent revenue growth.
  • Experienced management team with industry expertise.

Weaknesses

  • Vulnerability to economic downturns and fluctuations in interest rates.
  • Reliance on external funding sources for lending activities.
  • Limited geographical presence compared to some competitors.
  • Potential for regulatory changes impacting lending practices.
  • High levels of debt and interest expenses.

Opportunities

  • Expansion into new geographic markets to increase market share.
  • Diversification of product offerings to attract a wider customer base.
  • Leveraging technology advancements to streamline lending processes.
  • Potential partnerships with fintech companies for innovation and growth.
  • Increasing demand for automotive financing in emerging markets.

Threats

  • Intense competition from traditional lenders and emerging fintech companies.
  • Economic recession reducing consumer demand and loan quality.
  • Stricter lending regulations impacting underwriting and approval processes.
  • Potential impact of cybersecurity threats on customer data and operations.
  • Negative public perception and reputation risks in the lending industry.

Credit Acceptance Employees

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Credit Acceptance Employees
Details
Date
Credit Acceptance Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Credit Acceptance Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Credit Acceptance historical P/E ratio, EBIT multiple, and P/S ratio

Credit Acceptance annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Credit Acceptance shares outstanding

The number of shares of Credit Acceptance was 11.1 M in 2025. This indicates how many shares Credit Acceptance is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
14.90 M Stocks
Jan 1, 2022
13.29 M Stocks
Jan 1, 2023
12.84 M Stocks
Jan 1, 2024
12.39 M Stocks
Jan 1, 2025
11.10 M Stocks
Jan 1, 2026 (e)
11.10 M Stocks
Jan 1, 2027 (e)
11.10 M Stocks
Jan 1, 2028 (e)
11.10 M Stocks

Current Credit Acceptance forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.86 %
Buy
0.00 % (0)
Hold
66.67 % (6)
Sell
33.33 % (3)
12M Price Target
479.40
Last Price
585.58
Currency
USD
12M Return Potential
-18.13 %
LTM Return
0 %

Credit Acceptance Analyst Rating Actions

DateFirmActionRatingReliability
7/7/2026
TD Cowen
TD Cowen
MaintainedHold60
5/6/2026
TD Cowen
TD Cowen
MaintainedHold60
4/17/2026
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight
1/30/2026
TD Cowen
TD Cowen
MaintainedHold60
10/31/2025
TD Cowen
TD Cowen
MaintainedSell60
1/31/2025
TD Cowen
TD Cowen
MaintainedSell60
1/31/2025
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight
1/8/2025
TD Cowen
TD Cowen
MaintainedSell60
11/1/2024
TD Cowen
TD Cowen
MaintainedSell60
8/1/2024
TD Cowen
TD Cowen
MaintainedSell60

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Credit Acceptance Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
8/5/202612.09USD-599.86 MUSD-2026 Q2
5/4/202611.06USD-591.04 MUSD-2026 Q1
1/29/202610.61USD-589.86 MUSD-2025 Q4
4/29/20248.14USD-478.52 MUSD-2024 Q1
1/29/20246.11USD-470.18 MUSD-2023 Q4
8/1/202213.15USD-461.60 MUSD-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the Credit Acceptance stock

48/100
5
Environment
72
Social
67
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Credit Acceptance shareholder structure

% Name
12.57571%
PRESCOTT GENERAL PARTNERS LLC
PRESCOTT GENERAL PARTNERS LLC
4.90275%
BOSTON PARTNERS
BOSTON PARTNERS
3.13368%
GOBI CAPITAL LLC
GOBI CAPITAL LLC
2.70412%
BECK MACK & OLIVER LLC
BECK MACK & OLIVER LLC
2.26579%
WELLINGTON MANAGEMENT GROUP LLP
WELLINGTON MANAGEMENT GROUP LLP
2.02717%
BLACKROCK, INC.
BLACKROCK, INC.
...

Credit Acceptance Beneficial Ownership Filings (SEC 13D/G)

Free Float
49.5%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
19.80%
Allan V. Apple, not individually but solely in capacity as trustee
Allan V. Apple, not individually but solely in capacity as trustee
SEC ↗
14.50%
Jill Foss Watson
Jill Foss Watson
SEC ↗
13.60%
Prescott General Partners LLC
Prescott General Partners LLC
SEC ↗
11.24%
but solely as a co-trustee of the Donald A. Foss Irrevocable Trust Dated August 14, 2022
but solely as a co-trustee of the Donald A. Foss Irrevocable Trust Dated August 14, 2022
SEC ↗
11.00%
Foss 2010 Remainder Trust
Foss 2010 Remainder Trust
SEC ↗
11.00%
Foss 2009 Remainder Trust
Foss 2009 Remainder Trust
SEC ↗
10.90%
Karol A. Foss
Karol A. Foss
SEC ↗
10.60%
Allan V. Apple
Allan V. Apple
SEC ↗
10.30%
Donald A. Foss
Donald A. Foss
SEC ↗
10.10%
Thomas N. Tryforos
Thomas N. Tryforos
SEC ↗

Credit Acceptance Executives and Management Board

16 members · avg. age 53 · 19 % women

DU

Mr. Daniel Ulatowski (53)

Chief Sales Officer · since 2014

14.35 M USD

Management

AS

Mr. Arthur Smith (52)

Chief Analytics Officer · since 2013

14.35 M USD
JL

Mr. Jonathan Lum (48)

Chief Operating Officer

12.09 M USD
JM

Mr. Jay Martin (51)

Chief Financial Officer · since 2024

11.74 M USD
RM

Mr. Ravi Mohan (52)

Chief Technology Officer

7.00 M USD
WR

Ms. Wendy Rummler (48)

Chief People Officer

2.10 M USD
KB

Mr. Kenneth Booth (57)

President, Chief Executive Officer, Director · since 2004

1.02 M USD

Board of Directors

TT

Mr. Thomas Tryforos (65)

Independent Chairman of the Board, Lead Director

299,978.00 USD
GF

Ms. Glenda Flanagan (71)

Independent Director

299,978.00 USD
SQ

Mr. Sean Quinn (45)

Independent Director

299,978.00 USD
SV

Mr. Scott Vassalluzzo (53)

Independent Director

299,978.00 USD
VH

Mr. Vinayak Hegde (55)

Independent Director

141,624.00 USD

Frequently asked questions about Credit Acceptance

The business model of Credit Acceptance Corp revolves around providing financing solutions to automobile dealerships and indirectly to consumers. As a specialized subprime auto finance company, Credit Acceptance Corp purchases retail installment contracts (RICs) from dealerships, enabling them to extend credit to consumers with subprime credit profiles. This business model allows dealerships to sell more vehicles and consumers with less-than-stellar credit to access financing options to purchase a vehicle. Through this model, Credit Acceptance Corp generates revenue primarily from interest and fees collected on RICs. With its focus on indirect financing and subprime auto lending, Credit Acceptance Corp has established itself as a prominent player in the automotive finance industry.

Credit Acceptance Corp is primarily active in the financial services industry.

The main competitors of Credit Acceptance Corp in the market include Ally Financial, Santander Consumer USA Holdings, and Capital One Financial Corp.

Credit Acceptance Corp is an American company providing auto financing solutions. Established in 1972, Credit Acceptance Corp has grown to become one of the leading providers of auto loans for consumers with limited or no credit history. The company focuses on helping individuals with low credit scores secure vehicle financing by working with a nationwide network of dealerships. Offering innovative lending programs and exceptional customer service, Credit Acceptance Corp has played a vital role in expanding access to auto loans for underserved consumers. With over four decades of expertise, the company has successfully facilitated millions of car purchases, making it a trusted name in the auto finance industry.

Credit Acceptance Corp has achieved several significant milestones since its inception. The company has successfully established itself as a leading provider of auto loans and related financial services. Additionally, Credit Acceptance Corp has consistently expanded its customer base and geographic reach, allowing it to maintain steady growth and profitability. Furthermore, the company has received numerous accolades and recognition for its exceptional performance and commitment to customer satisfaction. With its strong track record and ongoing dedication to innovation and excellence, Credit Acceptance Corp continues to thrive in the stock market and solidify its position as a trusted leader in the industry.

Credit Acceptance Corp is primarily present in the United States.

Credit Acceptance Corp represents values such as integrity, teamwork, and customer focus, which are embedded in its corporate philosophy. The company prioritizes the needs and satisfaction of its customers by providing innovative and flexible financing solutions. Credit Acceptance Corp aims to establish strong relationships with its dealer-partners by fostering a collaborative environment and offering exceptional service. With a commitment to ethical conduct and transparency, the company strives to create value for its stakeholders while maintaining responsible lending practices. By upholding its values and corporate philosophy, Credit Acceptance Corp has become a trusted leader in the industry.

Analysts currently set an average price target of 476.00 USD for the Credit Acceptance stock (median: 479.40 USD), implying -18.7 % versus the latest price. The consensus is based on 9 analyst ratings.

9 analysts currently rate the Credit Acceptance stock: 0 recommend buying, 6 holding and 3 selling. For 2026, analysts expect Credit Acceptance to generate revenue of 2.36 B USD and earnings per share of 49.90 USD.

Converted at the current exchange rate, the Credit Acceptance share trades at 503.37 EUR (581.30 USD).

The Credit Acceptance share (CACC) is listed on 2 stock exchanges, including: NASDAQ (CACC), Frankfurt (2D5.F).

The Credit Acceptance Corporation is a leading US company in the field of auto financing for people with bad credit. The company was founded in 1972 and has since granted over two million vehicle loans. Its business model is based on providing financing for the purchase of vehicles to customers who have been rejected by traditional lenders. Credit Acceptance offers a variety of financing products, with a focus on auto financing for people with bad credit. The company targets individuals with poor creditworthiness who have been rejected by other lenders. It sees itself as an alternative to traditional financial institutions and has a wide network of dealers to serve its customers. By offering financing solutions, customers can purchase vehicles that would otherwise be unaffordable for them. Credit Acceptance also offers a wide range of other financial services, such as direct financing or refinancing. Direct financing allows customers to directly purchase a vehicle from a dealer, while refinancing helps customers pay off their existing auto loans with other lenders and switch to a credit line from Credit Acceptance. The company also has a product called the "Portfolio Program" in which auto dealers collaborate with Credit Acceptance to increase the available credit for customers. Dealers can use this program to serve a larger number of customers with the help of Credit Acceptance's financing options. The program offers dealers the opportunity to gain direct access to financing requests and customer refinancing. The Portfolio Program aims to make vehicles more accessible to a broader customer base. Credit Acceptance's business model aims to provide financing for the purchase of vehicles to customers with bad credit. The company offers a wide range of financing solutions that are attractive to customers. Credit Acceptance positions itself as an alternative to traditional lenders and finances vehicles for individuals who are rejected by others. The company also has an extensive dealer network to reach customers in the United States. Credit Acceptance promises customers a simple financing process. An online portal facilitates customer access to an easy search for a new vehicle and the appropriate financing. Overall, the company has had a good track record in recent years, consistently increasing revenue and profit. The company serves hundreds of thousands of customers in North America with billions of dollars in loans, relying on extensive online processes to provide customers with the best possible offer. In the future, Credit Acceptance will need to work on improving customer and dealer satisfaction and expanding its business. The company also has potential in the electric vehicle sector, which could be an interesting opportunity to expand its business model.

The expected revenue of Credit Acceptance is 2.36 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Credit Acceptance is 554.04 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Credit Acceptance is currently 11.65. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Credit Acceptance stock.

The price-to-sales ratio (P/S) of Credit Acceptance is currently 2.73. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Credit Acceptance stock.

The Eulerpool Quality Score for Credit Acceptance is 6/10.

The ISIN of Credit Acceptance is US2253101016. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Credit Acceptance is 884343. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Credit Acceptance is CACC. The ticker symbol is used to trade Credit Acceptance shares on the stock exchange.

Credit Acceptance paid dividends every year for the past 0 years.

Credit Acceptance is assigned to the 'Finance' sector.

The dividends of Credit Acceptance are distributed in USD.