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CACC Stock Forecast: Credit Acceptance Corp. Price Predictions for 2026-2027

Last close, 2 Oct 2026
$528
+3.04% on the day

The 3 Wall Street analysts covering Credit Acceptance Corp. hold a median 12-month price target of $650 — +23.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 84 of 100 as at 1 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$5.5B
Ticker Nerd rank
84 / 100
Median analyst target
$650
Analysts covering
3
Revenue$582.2M+1.1% y/y
Operating income$163.4M
Net income$135.9M
Free cash flow$307.9M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−5.1%
1M
−13.2%
YTD
+19.0%
1Y
+9.9%
From 52W high
−19.7%
From 52W low
+28.3%
$411
$657
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CACC stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Credit Acceptance Corp. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 1 Oct 2026
84 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Issuance
98
Quality
93
Volatility
72
Momentum
72
Value
71
Accruals
61
Revisions
57
Growth
45
Size
22

Issuance (98): The share count has been shrinking and the company is not leaning on new borrowing.

Growth (45): Sales and profits are flat, shrinking, or growing more slowly than they were.

Size (22): Larger than most of the companies we track — more scrutinised, less often mispriced.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

CACC stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CACC, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$400$450$500$550$600$650Jan 26Apr 26Jul 26Oct 26CACCHigh $660Median $650Low $600

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
0 Buy3 Hold0 Sell
Low $600Median $650High $660

The green dot is the last close — the median target sits +23.2% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
5 Aug 2026TD CowenMaintainsHold$575 → $600
7 July 2026TD CowenMaintainsHold$500 → $575
7 July 2026TD CowenMaintainsHold—
6 May 2026TD CowenMaintainsHold—
17 Apr 2026Stephens & Co.MaintainsEqual-Weight—
30 Jan 2026TD CowenMaintainsHold—
31 Oct 2025TD CowenMaintainsSell—
31 Jan 2025Stephens & Co.MaintainsEqual-Weight—
31 Jan 2025TD CowenMaintainsSell—
8 Jan 2025TD CowenMaintainsSell—
13 Nov 2024Stephens & Co.InitiatesEqual-Weight—
1 Nov 2024TD CowenMaintainsSell—
1 Aug 2024TD CowenMaintainsSell—
2 May 2024TD CowenMaintainsSell—
1 Nov 2023TD CowenInitiatesUnderperform—
31 Oct 2023BMO CapitalMaintainsMarket Perform—
31 Oct 2023Stephens & Co.ReiteratesEqual-Weight—
2 May 2023Credit SuisseMaintainsUnderperform—
2 May 2023Stephens & Co.MaintainsEqual-Weight—
9 Mar 2023Stephens & Co.ReiteratesEqual-Weight—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CACC appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

CACC vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 2 Oct 2026, Credit Acceptance Corp. returned +9.9% against +15.4% for the S&P 500, dividends included.

CACC vs S&P 500, last 12 monthsTotal return, rebased to 100
8090100110120130140Jan 26Apr 26Jul 26Oct 26CACCS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CACC analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
−0.0%
Analysts raising
1
Analysts cutting
1
Fundamentals

Credit Acceptance Corp. (CACC) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
11.7×

Cheaper than 53% of US stocks

Price / sales
4.2×

Cheaper than 29% of US stocks

Price / book
3.5×

Cheaper than 28% of US stocks

EV / EBITDA
16.2×

Cheaper than 20% of US stocks

Growth & margins
Revenue growth (YoY)
9.5%

Higher than 51% of US stocks

Earnings growth (YoY)
55.5%

Higher than 76% of US stocks

Gross margin
65.0%

Higher than 78% of US stocks

Operating margin
52.6%

Higher than 97% of US stocks

Net margin
38.5%

Higher than 94% of US stocks

Returns & dividend
Return on equity
31.9%

Higher than 89% of US stocks

Return on assets
5.8%

Higher than 80% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Credit Acceptance Corp. (CACC) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Credit Acceptance Corp. has a market value of $5.5B and an enterprise value of $11.9B.

  • Revenue in the twelve months to 30 June 2026: $2.3B. The latest quarter grew 9.5% year on year.

  • Net income over the same four quarters: $501.9M, a 21.8% net margin.

  • Free cash flow in the twelve months to 30 June 2026: $1.2B.

  • Credit Acceptance Corp. spent $619.1M on share buybacks in the twelve months to 30 June 2026.

  • Shares outstanding: 10.4M.

  • Trailing P/E: 11.7×; forward P/E: 9.7× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Credit Acceptance Corp. employs 2,314 people — $997K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 1 Oct 2026

Data provided by Twelve Data

Peers

CACC vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
CACCCredit Acceptance Corp.$5.5B
84
NNINelnet, Inc.$4.4B
58
OMFOneMain Holdings, Inc.$6.6B
68
ENVAEnova International, Inc.$4.3B
86
SLMSLM Corp.$4.2B
89
BFHBread Financial Holdings, Inc.$3.9B
99
SEZLSezzle, Inc.$3.7B
92

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Credit Acceptance Corp. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest CACC news & analysis

Credit Acceptance Announces Shannon Wilson as Chief Human Resources Officer

GlobeNewsWire · 22 Sept 2026positive

Credit Acceptance Corp. announced that Shannon Wilson has been appointed Chief Human Resources Officer and will join the Executive Leadership Team. Wilson's appointment is framed as helping drive the company's next chapter of growth.

Why it matters — CACC watchers would care because a new C-suite addition focused on human resources signals ongoing leadership development and organizational strengthening as the company pursues its next phase of growth.

What's Next for CACC After Its Multistate Lending Settlement?

Zacks Investment Research · 18 Sept 2026negative

Credit Acceptance Corp. settled a multistate investigation, agreeing to provide more than $630 million in debt relief, create a $60 million fund, and adopt new consumer and dealer protections.

Why it matters — This settlement introduces substantial financial obligations and new regulatory protections that could affect Credit Acceptance's operations and compliance costs.

Credit Acceptance Reaches Resolution With State Attorneys General

GlobeNewsWire · 17 Sept 2026positive

Credit Acceptance Corp. reached a resolution with state attorneys general, settling longstanding litigation and clarifying regulatory expectations. The company stated the settlement does not require material changes to its operations.

Why it matters — The settlement removes a significant legal overhang for CACC while confirming that no material operational changes are required, reducing regulatory uncertainty for the company.

Credit Acceptance reaches $710 million predatory auto lending settlement with most US states

Reuters · 17 Sept 2026negative

Credit Acceptance Corp. agreed to a $710 million settlement with 40 US states and Washington, D.C. to resolve allegations that it pushed thousands of low-income, low-credit-score borrowers into predatory auto loans it knew they could not afford.

Why it matters — This large multi-state settlement reflects regulatory findings about CACC's lending practices and represents a significant financial and legal development for the company.

Credit Acceptance Announces Extension of Revolving Secured Warehouse Facility and Extension of $500.0 Million Asset-Backed Financing

GlobeNewsWire · 15 Sept 2026positive

Credit Acceptance Corporation announced it has extended the revolving period of its $500.0 million secured warehouse facility from September 20, 2027 to September 15, 2028, and decreased the interest rate on borrowings under the facility from SOFR plus 185 basis points to SOFR plus 175 basis points.

Why it matters — A CACC watcher would care because the extended facility maturity and lower borrowing cost improve the company's liquidity position and reduce its financing expense.

FAQ

Frequently asked questions about CACC stock

What is the CACC stock price forecast for 2026-2027?

The 3 Wall Street analysts covering Credit Acceptance Corp. have a median 12-month price target of $650, with estimates ranging from $600 to $660. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CACC stock a buy right now?

Of the 3 analysts covering Credit Acceptance Corp., 0 rate it a Buy, 3 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Credit Acceptance Corp. 84 out of 100 across roughly 4,600 US stocks as at 1 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CACC?

As at 1 Oct 2026, Credit Acceptance Corp. ranks 84 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (98 of 100).

Will CACC stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +23.2% from the last close, and Ticker Nerd's factor model ranks Credit Acceptance Corp. 84 out of 100 as at 1 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CACC stock forecast for 2030?

No analyst covering Credit Acceptance Corp. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CACC are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $600 to $660 over the next 12 months.

How has CACC stock performed over the past year?

Credit Acceptance Corp. returned +9.9% over the 12 months to 2 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Credit Acceptance Corp. do?

Credit Acceptance Corporation is a consumer finance company that provides financing programs to automobile dealers across the United States. Credit Acceptance Corporation helps dealers offer vehicle financing to consumers, including those with limited or challenged credit histories, by purchasing or funding retail installment contracts tied to used and, in some cases, new vehicles.

What is the latest news on CACC?

The most recent item we track (GlobeNewsWire, 22 Sept 2026): "Credit Acceptance Announces Shannon Wilson as Chief Human Resources Officer". Credit Acceptance Corp. announced that Shannon Wilson has been appointed Chief Human Resources Officer and will join the Executive Leadership Team. Wilson's appointment is framed as helping drive the company's next chapter of growth.

Company

About Credit Acceptance Corp.

Credit Acceptance Corporation is a consumer finance company that provides financing programs to automobile dealers across the United States. Credit Acceptance Corporation helps dealers offer vehicle financing to consumers, including those with limited or challenged credit histories, by purchasing or funding retail installment contracts tied to used and, in some cases, new vehicles. Its business is centered on indirect automotive lending, loan servicing, and related risk management activities that support dealer sales and consumer access to credit. The company also uses asset-backed financing and revolving credit facilities to support its lending operations and manage capital efficiently. Headquartered in Southfield, Michigan, Credit Acceptance Corporation serves as a specialist in the auto finance market, linking dealerships, borrowers, and funding sources within a structured lending platform.

CEO Mr. Vinayak R. Hegde · 2,314 employees · United States · https://www.creditacceptance.com