Credit Acceptance Corporation (CACC) — Stock Score Summary

Credit Acceptance Corporation (CACC) has a MoatMap StockRank of 84/100 based on Quality (67/100), Value (27/100), and Momentum (75/100) factor scores. The current signal is STRONG BUY. Credit Acceptance Corp is a high-performing subprime auto lender, but it faces cyclical credit quality headwinds and lacks any structural tailwinds from our identified macro themes.

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.

Key Financial Metrics

Price$569.32
Market Cap$5.9B
P/E (TTM)13.67
P/E (Forward)10.02
Price/Book3.78
Return on Equity28.1%
Return on Invested Capital7.5%
Debt/Equity423.26
Gross Margin94.4%
Operating Margin52.7%
Revenue Growth12.7%

Credit Acceptance Corporation operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Credit Acceptance Corporation’s (CACC) StockRank?
MoatMap’s StockRank for Credit Acceptance Corporation (CACC) is 84/100, with a Strong Buy signal. It is a composite of Quality (67), Value (27), and Momentum (75) factor ranks across MoatMap’s 19,000+ stock universe.
Does Credit Acceptance Corporation have an economic moat?
Credit Acceptance Corporation (CACC) has a Quality factor score of 67/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Credit Acceptance Corporation a buy, hold, or sell?
MoatMap’s current signal for Credit Acceptance Corporation (CACC) is Strong Buy, based on a StockRank of 84/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Credit Acceptance Corporation in?
Credit Acceptance Corporation (CACC) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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