Credit Acceptance Corp (CACC) stock
CACCNasdaqPersonal Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 4/302% above fair value
$503.53−10.25 (-2.00%)
Close on Nov 12, 2026Market cap $5.10BP/E 16.4Yield –
Credit Acceptance statistics
88 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 28, 2027 (estimated, after the close)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 3.67
- 1.14
- P/OCF Ratio
- 4.05
- 5.94
Enterprise valuationIndustry
- EV / Sales
- 2.18
- 2.54
- EV / FCF
- 4.06
- 9.11
Share statisticsIndustry
- Shares Change (YoY)
- -9.86%
- 13.6%
- Shares Change (QoQ)
- -2.30%
- 0.11%
- Float
- 5M
- 39M
- Shares Held by Insiders
- 54.3%
- 18.5%
- Shares Held by Institutions
- 75.0%
- 27.7%
Short sellingIndustry
- Short Interest
- 992,876
- –
- Short Interest Change
- -1.72%
- -0.08%
- Short % of Float
- 21.4%
- 6.67%
- Short % of Shares Outstanding
- 9.79%
- 5.45%
- Days to Cover
- 9.81
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $668.86
- –
- 52-Week Low
- $405.00
- –
- 20-Day Moving Average
- $525.44
- –
- 50-Day Moving Average
- $548.02
- –
- 200-Day Moving Average
- $540.50
- –
- Average True Range (14)
- $22.90
- –
- Price Change (1 Week)
- -3.65%
- -3.65%
- Price Change (1 Month)
- -5.41%
- -13.5%
- Price Change (3 Months)
- -14.3%
- -16.0%
- Price Change (6 Months)
- -7.89%
- -30.8%
- Price Change (YTD)
- 13.5%
- -35.5%
- Price Change (1 Year)
- 14.5%
- -49.9%
- Price Change (3 Years)
- 23.5%
- -32.3%
- Price Change (5 Years)
- -25.4%
- -81.5%
- Price Change (10 Years)
- 169.6%
- -59.7%
- Average Volume (10 Days)
- 178,103
- –
- Average Volume (20 Days)
- 126,131
- –
- Average Volume (90 Days)
- 120,545
- –
- Relative Volume
- 0.60
- 0.72
- Relative Strength Index (14)
- 43.4
- 40.0
- Volatility (1 Year)
- 40.9%
- 94.5%
- Beta (5 Years)
- 1.28
- 1.25
MarginsIndustry
- Pretax Margin
- 18.2%
- -6.87%
- FCF Margin
- 53.6%
- -29.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 22.7%
- -21.1%
- Return on Assets (ROA)
- 3.85%
- -8.40%
GrowthIndustry
- Revenue Growth (YoY)
- 1.68%
- 15.4%
- Net Income Growth (YoY)
- -25.7%
- -22.9%
- EPS Growth (YoY)
- -18.9%
- 2.80%
- FCF Growth (YoY)
- 15.3%
- 16.1%
- Revenue Growth (3Y CAGR)
- 8.14%
- 5.94%
- Revenue Growth (5Y CAGR)
- 6.78%
- 10.7%
- EPS Growth (3Y CAGR)
- -2.56%
- 5.11%
- EPS Growth (5Y CAGR)
- 9.16%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.27
- 0.16
- Revenue Per Employee
- $1.01M
- $675.54K
- Profits Per Employee
- $145.68K
- -$184.58K
- Employee Count
- 2,314
- 47
- WACC
- 11.4%
- 10.9%
Income statement (TTM)Industry
- Pretax Income
- $427.10M
- -$2.80M
Balance sheetIndustry
- Net Cash (Debt)
- $1.30M
- $7.28M
- Net Cash Per Share
- $0.13
- $0.18
- Equity (Book Value)
- $1.39B
- $224.68M
- Book Value Per Share
- $137.05
- $4.07
- Tangible Book Value
- $1.39B
- $156.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.70M
- -$4.70M
- FCF Per Share
- $123.94
- -$0.20
Dividends and yieldsIndustry
- Earnings Yield
- 6.60%
- -12.4%
- FCF Yield
- 24.6%
- -15.6%
- Buyback Yield
- 11.1%
- 0.51%
- Shareholder Yield
- 11.1%
- 0.54%
Taxes and interestIndustry
- Interest Expense
- $436.80M
- $4.11M
- Income Tax
- $90.00M
- $213.00K
- Effective Tax Rate
- 21.1%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $307.32
- $27.68
- Graham Upside
- -39.0%
- 21.7%
- Altman Z-Score
- 0.81
- 0.34
- Piotroski F-Score
- 6
- 4
- Lynch Fair Value
- $280.62
- –
- Lynch Upside
- -44.3%
- 48.0%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | CACC | S&P 500 | Difference | CACC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -8.1% | -2.7% | −5.4 pts | ||
| 3 months | -12.8% | -1.7% | −11.0 pts | ||
| Year to date | +13.5% | +11.9% | +1.7 pts | ||
| 1 year | +13.2% | +12.0% | +1.2 pts | ||
| 3 years | +22.4% | +78.2% | −55.8 pts | +7.0% | +21.2% |
| 5 years | -25.4% | +73.2% | −98.6 pts | -5.7% | +11.6% |
| 10 years | +169.6% | +309.6% | −140.1 pts | +10.4% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M CACC shares were sold short on Oct 30, 2026, down 1.7% from the previous report, or 21.41% of the shares available to trade. At recent volumes it would take 9.8 days to buy them back. Over the last 20 sessions, 59.6% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 992,876 | -1.7% | 101,172 | 9.8 |
| Oct 15, 2026 | 1,010,300 | +5.1% | 94,057 | 10.7 |
| Sep 30, 2026 | 961,716 | -2.1% | 143,675 | 6.7 |
| Sep 15, 2026 | 982,761 | -1.2% | 89,961 | 10.9 |
| Aug 31, 2026 | 994,934 | +5.3% | 108,283 | 9.2 |
| Aug 14, 2026 | 944,516 | -9.4% | 116,235 | 8.1 |
| Jul 31, 2026 | 1,041,938 | -13.8% | 132,210 | 7.9 |
| Jul 15, 2026 | 1,209,368 | -0.5% | 147,697 | 8.2 |
| Jun 30, 2026 | 1,215,690 | +19.7% | 251,607 | 4.8 |
| Jun 15, 2026 | 1,015,659 | +14.9% | 159,183 | 6.4 |
| May 29, 2026 | 883,974 | -12.3% | 130,190 | 6.8 |
| May 15, 2026 | 1,008,073 | +9.1% | 168,189 | 6.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?