CACC
Credit Acceptance Corporation
NasdaqGSUSDEQUITY
DELAYED
Last price
603.69
▲ 17.81 (3.04%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
595.76
Prev close
585.88
Day high
605.14
Day low
588.89
Volume
116.32K
Market cap
—
P/E (TTM)
—
52W range
401.90 – 668.86
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
+2.35%
+3.7%
1M
+1.43%
-2.3%
3M
+9.68%
+6.6%
6M
+21.34%
+10.3%
YTD
+35.54%
+23.2%
1Y
+24.82%
+4.8%
3Y
+25.75%
-48.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap—
Enterprise value—
Revenue (TTM)—
Gross profit—
EBITDA—
Net income—
EPS (TTM)—
Free cash flow—
Total cash—
Total debt—
Book value / share—
Shares outstanding—
Float—
Short % of float—
Dividend yield—
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book—
EV / revenue—
EV / EBITDA—
Gross margin—
Operating margin—
Profit margin—
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $2.29B | $2.13B | $1.88B | $1.82B | +7.2% |
| Operating revenue | $2.29B | $2.13B | $1.88B | $1.82B | +7.2% |
| Cost of revenue | $871.70M | $802.20M | $617.40M | $475.00M | +8.7% |
| Gross profit | $1.42B | $1.33B | $1.26B | $1.35B | +6.3% |
| Selling, general & admin | $180.20M | $192.30M | $178.90M | $164.30M | -6.3% |
| Total operating expense | $796.30M | $1.01B | $915.10M | $645.70M | -20.9% |
| Operating income | $619.90M | $325.10M | $347.30M | $702.30M | +90.7% |
| Net interest income | $27.50M | $26.20M | $19.70M | $6.60M | +5.0% |
| Pre-tax income | $565.40M | $329.50M | $367.60M | $711.70M | +71.6% |
| Tax provision | $141.50M | $81.60M | $81.50M | $175.90M | +73.4% |
| Net income | $423.90M | $247.90M | $286.10M | $535.80M | +71.0% |
| Net income to common | $423.90M | $247.90M | $286.10M | $535.80M | +71.0% |
| Basic EPS | 37.02 | 20.12 | 22.09 | 39.50 | +84.0% |
| Diluted EPS | 36.38 | 19.88 | 21.99 | 39.32 | +83.0% |
| EBIT | $619.90M | $325.10M | $347.30M | $702.30M | +90.7% |
| EBITDA | $646.50M | $352.90M | $373.90M | $727.90M | +83.2% |
| Basic shares | 11.45M | 12.32M | 12.95M | 13.56M | -7.1% |
| Diluted shares | 11.65M | 12.47M | 13.01M | 13.63M | -6.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $22.80M | $343.70M | $13.20M | $7.70M | — | -93.4% |
| Cash & short-term investments | $22.80M | $343.70M | $13.20M | $7.70M | — | -93.4% |
| Total current assets | $8.49B | $8.71B | $7.44B | $6.73B | — | -2.6% |
| Property, plant & equipment | $12.60M | $14.70M | $46.50M | $51.40M | — | -14.3% |
| Total assets | $8.63B | $8.85B | $7.61B | $6.90B | — | -2.5% |
| Total current liabilities | $400.20M | $433.00M | $399.80M | $263.30M | — | -7.6% |
| Current debt | — | — | — | — | $2.60M | — |
| Long-term debt | $6.35B | $6.35B | $5.07B | $4.59B | — | +0.0% |
| Total debt | $6.35B | $6.35B | $5.07B | $4.59B | — | +0.0% |
| Total liabilities | $7.11B | $7.11B | $5.86B | $5.28B | — | +0.0% |
| Retained earnings | $1.12B | $1.41B | $1.48B | $1.38B | — | -20.9% |
| Shareholder equity | $1.52B | $1.75B | $1.75B | $1.62B | — | -12.9% |
| Working capital | $8.09B | $8.28B | $7.04B | $6.46B | — | -2.3% |
| Net tangible assets | $1.52B | $1.75B | $1.75B | $1.62B | — | -12.9% |
| Shares issued | 10.68M | 12.05M | 12.52M | 12.76M | — | -11.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $423.90M | $247.90M | $286.10M | $535.80M | +71.0% |
| Depreciation & amortisation | $26.60M | $27.80M | $26.60M | $25.60M | -4.3% |
| Stock-based compensation | $50.70M | $45.00M | $39.10M | $36.50M | +12.7% |
| Change in working capital | -$98.30M | $48.40M | $151.40M | $166.80M | -303.1% |
| Operating cash flow | $1.05B | $1.14B | $1.20B | $1.24B | -7.3% |
| Capital expenditure | -$1.60M | -$1.80M | -$4.00M | -$3.10M | +11.1% |
| Investing cash flow | -$674.30M | -$1.72B | -$1.42B | -$460.60M | +60.8% |
| Share buybacks | -$725.40M | -$313.30M | -$202.60M | -$784.50M | -131.5% |
| Financing cash flow | -$724.60M | $957.30M | $266.20M | -$794.60M | -175.7% |
| Free cash flow | $1.05B | $1.14B | $1.20B | $1.24B | -7.3% |
| End cash position | $500.70M | $845.00M | $470.90M | $417.70M | -40.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $582.20M | $574.80M | $573.60M | $576.40M | $575.60M | — | +1.3% |
| Operating revenue | $582.20M | $574.80M | $573.60M | $576.40M | $575.60M | — | +1.3% |
| Cost of revenue | $203.60M | $212.80M | $210.30M | $220.40M | $221.60M | — | -4.3% |
| Gross profit | $378.60M | $362.00M | $363.30M | $356.00M | $354.00M | — | +4.6% |
| Selling, general & admin | $56.00M | $52.60M | $400.00K | $61.10M | $71.80M | — | +6.5% |
| Total operating expense | $215.20M | $192.20M | $130.00M | $213.10M | $244.40M | — | +12.0% |
| Operating income | $163.40M | $169.80M | $233.30M | $142.90M | $109.60M | — | -3.8% |
| Net interest income | $5.00M | $4.80M | $5.60M | $5.70M | $7.80M | — | +4.2% |
| Pre-tax income | $168.60M | $175.00M | $157.00M | $148.90M | $117.80M | — | -3.7% |
| Tax provision | $32.70M | $39.20M | $35.00M | $40.70M | $30.40M | — | -16.6% |
| Net income | $135.90M | $135.80M | $122.00M | $108.20M | $87.40M | — | +0.1% |
| Net income to common | $135.90M | $135.80M | $122.00M | $108.20M | $87.40M | — | +0.1% |
| Basic EPS | — | 12.64 | 11.18 | 9.62 | 7.55 | 8.79 | — |
| Diluted EPS | — | 12.40 | 10.99 | 9.43 | 7.42 | 8.66 | — |
| EBIT | $163.40M | $169.80M | $233.30M | $142.90M | $109.60M | — | -3.8% |
| EBITDA | $168.80M | $175.70M | $239.40M | $149.70M | $116.40M | — | -3.9% |
| Basic shares | — | 10.74M | 10.91M | 11.25M | 11.57M | 12.09M | — |
| Diluted shares | — | 10.95M | 11.10M | 11.47M | 11.77M | 12.28M | — |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.40M | $25.70M | $22.80M | $15.90M | $70.00M | -94.6% |
| Cash & short-term investments | $1.40M | $25.70M | $22.80M | $15.90M | $70.00M | -94.6% |
| Total current assets | $8.47B | $8.54B | $8.49B | $8.49B | $8.58B | -0.9% |
| Property, plant & equipment | $14.10M | $13.20M | $12.60M | $12.90M | $13.20M | +6.8% |
| Total assets | $8.62B | $8.69B | $8.63B | $8.64B | $8.72B | -0.8% |
| Total current liabilities | $398.30M | $415.30M | $400.20M | $394.80M | $392.60M | -4.1% |
| Long-term debt | $6.29B | $6.41B | $6.35B | $6.37B | $6.47B | -1.9% |
| Total debt | $6.29B | $6.41B | $6.35B | $6.37B | $6.47B | -1.9% |
| Total liabilities | $7.03B | $7.18B | $7.11B | $7.06B | $7.17B | -2.0% |
| Retained earnings | $1.08B | $1.08B | $1.12B | $1.19B | $1.18B | -0.2% |
| Shareholder equity | $1.59B | $1.51B | $1.52B | $1.58B | $1.55B | +4.9% |
| Working capital | $8.07B | $8.13B | $8.09B | $8.10B | $8.19B | -0.7% |
| Net tangible assets | $1.59B | $1.51B | $1.52B | $1.58B | $1.55B | +4.9% |
| Shares issued | 10.38M | 10.42M | 10.68M | 11.04M | 11.24M | -0.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $135.90M | $135.80M | $122.00M | $108.20M | $87.40M | +0.1% |
| Depreciation & amortisation | $5.40M | $5.90M | $6.10M | $6.80M | $6.80M | -8.5% |
| Stock-based compensation | $8.70M | $11.30M | $13.00M | $12.10M | $12.70M | -23.0% |
| Change in working capital | $7.60M | $51.50M | -$57.00M | $28.30M | -$124.80M | -85.2% |
| Operating cash flow | $309.50M | $346.80M | $269.30M | $299.40M | $139.70M | -10.8% |
| Capital expenditure | -$1.60M | -$1.30M | -$400.00K | -$600.00K | -$300.00K | -23.1% |
| Investing cash flow | -$171.40M | -$192.10M | -$60.90M | -$127.60M | -$194.20M | +10.8% |
| Share buybacks | -$141.40M | -$178.90M | -$191.40M | -$107.40M | -$262.20M | +21.0% |
| Financing cash flow | -$197.40M | -$104.00M | -$206.50M | -$236.80M | -$502.30M | -89.8% |
| Free cash flow | $307.90M | $345.50M | $268.90M | $298.80M | $139.40M | -10.9% |
| End cash position | $492.10M | $551.40M | $500.70M | $498.80M | $563.80M | -10.8% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
Consensus—
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders—
Held by institutions—
Institutions holding—
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
581.45
+3.83% from price
SMA 20
576.36
+4.28% from price
SMA 50
597.10
+0.66% from price
SMA 100
557.68
+8.25% from price
SMA 200
510.57
+17.72% from price
EMA 12
583.80
+3.41% from price
EMA 26
585.92
+3.03% from price
EMA 50
582.62
+3.62% from price
RSI (14)
56.9
Neutral
MACD (12,26,9)
-2.13
Hist 2.48
ATR (14)
19.13
3.18% of price
Realised vol 30D
29.5%
Annualised
Bollinger upper
601.87
20, 2σ
Bollinger lower
550.86
20, 2σ
50 / 200 cross
Golden
597.10 vs 510.57
Trend bias
Above 200
+17.72%
Risk profile
Beta vs SPY
1.38
More volatile than market
Correlation to SPY
0.44
Loosely linked
Realised vol 30D
29.5%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-21.7%
Peak to trough
Max drawdown 5Y
-45.7%
Peak to trough
ATR 14
19.13
3.18% of price
Beta (reported)
—
5Y monthly, from filing
Headlines
The Bull Case For Credit Acceptance (CACC) Could Change Following New US$600 Million ABS Financing Deal
Simply Wall St. · 11h ago
Credit Acceptance Announces Completion Of $600.0 Million Asset-Backed Financing
GlobeNewswire · 2d ago
Credit Acceptance Named One of PEOPLE Magazine’s 100 Companies That Care® for Fifth Consecutive Year
GlobeNewswire · 9d ago
Credit Acceptance Announces New Chief Technology Officer to Advance Digital-First, AI-Enabled Business Evolution
GlobeNewswire · 9d ago
Credit Acceptance’s Q2 Earnings Call: Our Top 5 Analyst Questions
StockStory · 10d ago
Credit Acceptance (CACC) Q2 2026 Earnings Call Transcript
Motley Fool · 11d ago
All You Need to Know About Credit Acceptance (CACC) Rating Upgrade to Buy
Zacks · 15d ago
CACC Q2 Earnings Beat as Expenses & Provisions Decline, Revenues Rise
Zacks · 17d ago
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