Credit Acceptance Corporation (CACC) Stock Analysis
Financial Services · Credit Services
Sell if holding. Analyst target reached at $500.39 — A.R:R is negative (-1.2) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 4.2): -1.5.
Credit Acceptance Corporation provides auto financing through nationwide automobile dealers, enabling vehicle sales to consumers regardless of credit history; approximately 79.5% of loans are made to borrowers with FICO scores below 650. Revenue is generated through interest... Read more
Sell if holding. Analyst target reached at $500.39 — A.R:R is negative (-1.2) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 4.2): -1.5. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 5.9/10, moderate confidence.
Passes 5/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 5d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- LOWGeographicfive largest states29%10-K Item 1A: 'our five largest states ... contained 29.2% of Dealers'
Material Events(8-K, last 90d)
- 2026-01-26Item 5.02LOWArthur L. Smith (Chief Analytics Officer) and Daniel A. Ulatowski (Chief Sales Officer) both retiring Feb 1, 2026. Each will serve as non-employee consulting advisors until July 31, 2026. No disagreement cited.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $500.39 — A.R:R is negative (-1.2) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 4.2): -1.5. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $466.20. Score 5.9/10, moderate confidence.
Take-profit target: $532.14 (+6.2% upside). Prior stop was $466.20. Stop-loss: $466.20.
Analyst target reached - limited upside remaining; Leverage penalty (D/E 4.2): -1.5; Earnings in 5 days (event risk).
Credit Acceptance Corporation trades at a P/E of 13.8 (forward 9.7). TrendMatrix value score: 7.6/10. Verdict: Sell.
8 analysts cover CACC with a consensus score of 2.4/5. Average price target: $482.
What does Credit Acceptance Corporation do?Credit Acceptance Corporation provides auto financing through nationwide automobile dealers, enabling vehicle sales to...
Credit Acceptance Corporation provides auto financing through nationwide automobile dealers, enabling vehicle sales to consumers regardless of credit history; approximately 79.5% of loans are made to borrowers with FICO scores below 650. Revenue is generated through interest income on Dealer Loans and Purchased Loans serviced under the Portfolio and Purchase Programs.