CACC
BuyPremium GrowerAI neutralCredit Acceptance Corporation · Financial Services · United States · $5.7B cap · $57.6M/day traded
$545.04 -2.5% · close 23 Oct · scored 24 Oct
StockRank down 1.1 since 23 Oct.
Premium Grower: Strong business with the market behind it, priced at a premium.
Report expected 29 Oct: the next-year EPS estimate has risen 0.7% over the last 14 weeks.
As of 24 Oct 2026, MoatMap's StockRank for Credit Acceptance Corporation (CACC) is 75/100, ranked against 24,000+ stocks in 35 markets (Quality 72, Value 40, Momentum 58, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Credit Acceptance lends to subprime car buyers through dealers and has long been a highly profitable, aggressively buying-back business, retiring about 7.6% of shares in the last 90 days. In September 2026 it agreed a $710 million settlement with 40 US states and Washington, D.C. over allegations of predatory auto lending, including erasing roughly $634 million of borrower debt. The settlement removes one legal overhang, but it confirms that the business model draws regulatory scrutiny, and squeezed low-income borrowers facing high fuel and food costs are the company's core customers.
ABOUT CREDIT ACCEPTANCE CORPORATION
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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 | 2.3B | 2.5B | 4.1% |
| EPS | 39.50 | 22.09 | 20.12 | 37.02 | -2.1% | 45.35 | 43.12 | 49.79 | 16.0% |
| 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 | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 58% of stocks we rank over the past year (37% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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) | $5.7B | 75 | Buy |
| SEZL | Sezzle Inc. | $4.5B | 77 | Buy |
| BFH | Bread Financial Holdings, Inc. | $3.8B | 69 | Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 82 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.3B | 78 | Buy |
| ENVA | Enova International, Inc. | $4.1B | 49 | Hold |
| OMF | OneMain Holdings, Inc. | $6.4B | 41 | Hold |
| EZPW | EZCORP, Inc. | $1.8B | 62 | Hold |
| WU | The Western Union Company | $2.0B | 59 | Hold |
| JCAP | Jefferson Capital, Inc. | $1.2B | 83 | Strong Buy |
Peer medians: ROE 9.6% · P/E 12.3x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.