Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CACC
BUYCredit Acceptance Corporation · Financial Services · United States · $6.0B · Avg Vol: $106M/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 | 2.3B | 2.5B | 3.9% |
| EPS | 39.50 | 22.09 | 20.12 | 37.02 | -2.1% | 38.61 | 42.72 | 49.47 | 15.6% |
| Shares | 12.8M | 12.5M | 12.0M | 10.7M | -16.3% | 10.5M | — | — | — |
| Debt | 4.6B | 5.1B | 6.4B | 6.4B | 11.4% | 6.4B | — | — | — |
| Equity | 1.6B | 1.8B | 1.7B | 1.5B | -2.1% | — | — | — | — |
| Op CF | 1.2B | 1.2B | 1.1B | 1.1B | -5.2% | 1.1B | — | — | — |
| 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) | $6.0B | 66 | BUY |
| ENVA | Enova International, Inc. | $5.9B | 73 | BUY |
| SEZL | Sezzle Inc. | $5.2B | 75 | BUY |
| FCFS | FirstCash Holdings, Inc. | $8.6B | 60 | HOLD |
| WU | The Western Union Company | $2.6B | 67 | BUY |
| BFH | Bread Financial Holdings, Inc. | $4.2B | 80 | BUY |
| EZPW | EZCORP, Inc. | $1.8B | 66 | BUY |
| OMF | OneMain Holdings, Inc. | $6.9B | 42 | HOLD |
| ATLC | Atlanticus Holdings Corporation | $1.5B | 63 | HOLD |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.6B | 59 | HOLD |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%