Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CACC
BuyPremium GrowerCredit Acceptance Corporation · Financial Services · United States · $6.2B · Avg Vol: $68M/d
COMPANY DESCRIPTION
Credit Acceptance Corporation provides automobile financing solutions to consumers with limited access to traditional credit through a network of auto dealers. Its competitive moat is a proprietary underwriting model and a unique business structure that shares risk with dealers, enabling it to serve a niche subprime market. CACC is a specialized financial services company excelling in the high-risk auto loan segment through advanced underwriting capabilities.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.8B | 1.9B | 2.1B | 2.3B | 7.9% | 1.3B | 2.1B | 2.3B | -0.6% |
| EPS | 39.50 | 22.09 | 20.12 | 37.02 | -2.1% | 45.33 | 43.06 | 49.45 | 15.6% |
| Shares | 12.8M | 12.5M | 12.0M | 10.7M | -16.3% | 10.4M | — | — | — |
| Debt | 4.6B | 5.1B | 6.4B | 6.4B | 11.4% | 6.3B | — | — | — |
| Equity | 1.6B | 1.8B | 1.7B | 1.5B | -2.1% | — | — | — | — |
| Op CF | 1.2B | 1.2B | 1.1B | 1.1B | -5.2% | 1.2B | — | — | — |
| Inv CF | -460.6M | -1.4B | -1.7B | -674.3M | — | — | — | — | — |
| Fin CF | -794.6M | 266.2M | 957.3M | -724.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CACC are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CACC | Credit Acceptance Corporation(you) | $6.2B | 72 | Buy |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
| FCFS | FirstCash Holdings, Inc. | $9.5B | 66 | Buy |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
| ECPG | Encore Capital Group, Inc. | $2.1B | 84 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 78 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%