CREDIT ACCEPTANCE CORP

CACCNASDAQ

🏆 #1114 by market capEarnings Oct 29US Equity

$567.53▼ $4.65 (−0.82%)

Live

1h▼ 0.4%

24h▼ 0.8%

7d▼ 4.1%

14d▲ 2.0%

30d▼ 9.3%

1y▲ 19.0%

🏦Market Cap

$5.94B

Small Cap

📈Revenue Growth (YoY)

+2.6%

Slowing

📊Gross Margin

—

💵FCF Margin

52.4%

Strong

⚖️P/S Ratio

2.6x

Cheap

Otter Score

Fair

Trading Snapshot

Day Range: $564.59 – $569.80
52-Week Range: $401.90 – $668.86
Volume: $2.43B
Avg Volume: $3.17B
Shares Outstanding: 10.5M
Next Earnings: Oct 23, 2026

Fundamentals Snapshot

Annual Revenue: $2.32B
Last Q Revenue: $587M
P/E Ratio: 12.1
P/S Ratio: 2.6x
EPS (TTM): $45.49
Dividend Yield: —

Why Investors Own CACC

✓High-growth profile — revenue up +51.5% YoY with expanding US Equity exposure.
✓Healthy economics — 40% gross margin and 17% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$2.32B▲ +52.5% YoY

Gross Margin (TTM)

39.7%▲ +1.0% YoY

Operating Income (TTM)

$663M▲ +52.5% YoY

Free Cash Flow (TTM)

$385M▲ +52.5% YoY

About CREDIT ACCEPTANCE CORP

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

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