Credit Acceptance Corporation (CACC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Credit Acceptance Corporation stock (CACC) is currently trading at $439.77. Credit Acceptance Corporation PE ratio is 12.07. Credit Acceptance Corporation PS ratio (Price-to-Sales) is 3.92. Analyst consensus price target for CACC is $466.67. WallStSmart rates CACC as Moderate Buy.
- CACC PE ratio analysis and historical PE chart
- CACC PS ratio (Price-to-Sales) history and trend
- CACC intrinsic value — DCF, Graham Number, EPV models
- CACC stock price prediction 2025 2026 2027 2028 2029 2030
- CACC fair value vs current price
- CACC insider transactions and insider buying
- Is CACC undervalued or overvalued?
- Credit Acceptance Corporation financial analysis — revenue, earnings, cash flow
- CACC Piotroski F-Score and Altman Z-Score
- CACC analyst price target and Smart Rating
Credit Acceptance Corporation
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CACC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Credit Acceptance Corporation (CACC)
CACC trades 106% above its Graham fair value of $247.72, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Credit Acceptance Corporation (CACC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Concerns around revenue growth and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Credit Acceptance Corporation (CACC) Key Strengths (6)
Every $100 of shareholder equity generates $26 in profit
Keeps $47 of every $100 in revenue after operating costs
Keeps $34 of every $100 in revenue as net profit
78.56% of shares held by major funds and institutions
Good growth relative to its price
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Credit Acceptance Corporation (CACC) Areas to Watch (4)
Earnings declining -10.40%, profits shrinking
Revenue growing slowly at 1.60% annually
Premium pricing at 3.0x book value
Revenue is fairly priced at 3.92x sales
Supporting Valuation Data
Credit Acceptance Corporation (CACC) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 3.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, Profit Margin. Valuation metrics including PEG Ratio (1.15) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 25.90%, Operating Margin at 46.70%, Profit Margin at 34.20%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Price/Book. Some valuation metrics including Price/Sales (3.92), Price/Book (3.04) suggest expensive pricing. Growth concerns include Revenue Growth at 1.60%, EPS Growth at -10.40%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 25.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 1.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Operating Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CACC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CACC's Price-to-Sales ratio of 3.92x trades 86% above its historical average of 2.11x (94th percentile), historically expensive. The current valuation is 16% below its historical high of 4.66x set in Aug 2018, and 542% above its historical low of 0.61x in Nov 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for Credit Acceptance Corporation (CACC) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Credit Acceptance Corporation is a strong growth company balancing expansion with improving profitability. Revenue reached 1.2B with 160% growth year-over-year. Profit margins are strong at 34.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 160% YoY, reaching 1.2B. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 2590.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 4.17 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can Credit Acceptance Corporation maintain 160%+ revenue growth, or will competition slow it down?
Debt management: total debt of 6.4B is significantly higher than cash (501M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Credit Acceptance Corporation.
Bottom Line
Credit Acceptance Corporation offers an attractive blend of growth (160% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Credit Acceptance Corporation(CACC)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Credit Acceptance Corporation offers financing programs and related products and services to independent and franchised automobile dealerships in the United States. The company is headquartered in Southfield, Michigan.