# Credit Acceptance Corporation (CACC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $604.72, market value $6.3 billion.

## Valuation
- **P/E (trailing): 13.4×** (5-yr avg 16.7×, 3-yr avg 20.0×). Credit Acceptance Corporation trades at 13.4× trailing earnings, well below its own five-year average of 16.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.13**. A PEG of 0.13 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.7×**. Each dollar of revenue is priced at 2.7×.
- **Price / book: 3.9×**. The shares trade at 3.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 19.5%** (5-yr avg 17.2%). Free cash flow equals 19.5% of the market value, in line with its five-year average of 17.2%. Above 5% is generally attractive.
- **Earnings yield: 7.5%**. The inverse of the P/E: 7.5% of the price is earned each year.

## Profitability
- **Net margin: 18.3%**. 18.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 27.8%**. 27.8% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 5.8%**. Each dollar of assets produces 5.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 7.2%** (3-yr 8.1%/yr, 5-yr 6.8%/yr). Revenue grew 7.2% over the last year, against 6.8% a year compounded over five years.
- **EPS growth (1 yr): 83.0%** (3-yr -2.6%/yr, 5-yr 9.2%/yr). Earnings per share rose 83.0%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -5.2%/yr**. Free cash flow has compounded at -5.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $23 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Credit Acceptance Corporation does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Credit Acceptance Corporation; the consensus is hold, with an average price target of $636.67 (+5% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 16.1%** (YTD 36.4%, 3-mo 11.0%). The shares are up 16.1% over twelve months including dividends.
- **From 52-week high: -9.6%** (50.5% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 1.36** (volatility 39%). Beta of 1.36 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CACC · Page: https://foliofundamentals.com/stocks/cacc

Not investment advice.