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CREDIT ACCEPTANCE CORP CACC
CREDIT ACCEPTANCE CORP (CACC) earns a Piotroski F-score of 6/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $2.3B at a 18.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-05-06 | TD Cowen | Hold (main) |
| 2026-04-17 | Stephens & Co. | Equal-Weight (main) |
| 2026-01-30 | TD Cowen | Hold (main) |
| 2025-10-31 | TD Cowen | Sell (main) |
| 2025-01-31 | TD Cowen | Sell (main) |
| 2025-01-31 | Stephens & Co. | Equal-Weight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
| LPRO | Open Lending Corp | 6/9 | 0.56 | — | +288% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is CACC financially healthy?
CREDIT ACCEPTANCE CORP's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does CACC pay a dividend?
No, CREDIT ACCEPTANCE CORP does not currently pay a dividend.
How profitable is CACC?
In FY2025, CREDIT ACCEPTANCE CORP had a net margin of 18.3% and a return on equity of 27.8%.
Is CACC overvalued or undervalued?
CREDIT ACCEPTANCE CORP trades at about 15.9× trailing earnings — above its 10-year norm (10-year range 9.1×–25.5×, median 13.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CACC?
The average Wall-Street price target for CREDIT ACCEPTANCE CORP is $536.67, about 7.0% below the recent price, from 3 analysts.
Is CACC a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CREDIT ACCEPTANCE CORP: a Piotroski F-score of 6/9, a P/E of about 15.5×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.