Credit Acceptance (CACC) Stock Price
Credit Acceptance Price
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 540.00 USD, about 2.2% below where the stock trades today. Of 8 analysts, 0 rate the stock a buy — an overall Hold consensus.
Credit Acceptance stock price
Credit Acceptance business model & stock analysis
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 540.00 USD for the Credit Acceptance stock (median: 540.00 USD), implying -2.2 % versus the latest price. The consensus is based on 8 analyst ratings.
8 analysts currently rate the Credit Acceptance stock: 0 recommend buying, 5 holding and 3 selling. For 2026, analysts expect Credit Acceptance to generate revenue of 2.37 B USD and earnings per share of 50.14 USD.
Converted at the current exchange rate, the Credit Acceptance share trades at 492.64 EUR (551.90 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 2.37 B USD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Credit Acceptance is 556.73 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 11.01. 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 2.59. 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.
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Our stock analysis for Credit Acceptance stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Credit Acceptance. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.