Credit Acceptance Corporation: stock overview

CACCNASDAQFinancial services · Personal Credit Institutions

Price

$504.63

November 13, 2026Market cap $5.1B

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  • The full history: 17 fiscal years, from 2009
  • The estimated fair value, with its range and its certainty
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  • More questions to the chat on its filings
  • Excel with every year
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In short

Credit Acceptance had revenue of $2.3B over the last 12 months and net income of $337M, a net margin of 14.4%. Revenue grew by 6.8% a year on average over the last 5 years. At $504.63 the shares trade at a P/E of 15.2, against a median of 12.2 over the last 5 fiscal years. It has net debt of $4.9B. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$5.1B
10.14M shares
P/E
15.2
Today15.2
Median12.2
Revenue, 12 months
$2.3B
+6.8% a year over 5 years
Net margin
14.4%
2025: 0.0%, above 38% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+10.4% a year over 2 years

  • 202510-K
    Revenue$2.3B
  • 202410-K
    Revenue$2.2B
  • 202310-K
    Revenue$1.9B

Fiscal years in figures

CACC's revenue, profit, cash flow and dividend with each year-end price, from 2009 to 2022, 14 more fiscal years

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Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 3-year median: $5.6B
$5.1B
Enterprise value 
$10.0B
P/E 3-year median: 23.6
15.2
EV / EBIT 
23.4
EV / Revenue 
4.3
P/B 3-year median: 3.2
3.7
FCF yield 3-year median: 20.1%
24.6%
Earnings yield 3-year median: 4.2%
6.6%

Profitability

Net margin 3-year median: 15.0%
14.4%
ROIC 
22.2%
ROE 
22.2%

Growth

Revenue, yearly change 
+7.2%
EPS, yearly change 
+83.0%
FCF, yearly change 
-7.3%
Revenue, average a year 
+6.8%
EPS, average a year 
+9.2%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$529M
Total debt 
$5.4B
Net debt 
$4.9B
Net debt / EBITDA 
11.3x
Interest cover 
1.0x
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
14.18%
Total returned 
14.18%
Shares, yearly change 
-10.7%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Net margin

0.0%

Above 38% of the 105 companies in its industry, and 34% of all.

ROE

0.0%

Above 37% of the 102 companies in its industry, and 30% of all.

ROA

0.0%

Above 39% of the 109 companies in its industry, and 33% of all.

Revenue growth

7.2%

Above 41% of the 106 companies in its industry, and 53% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
CREDIT ACCEPTANCE CORP
CIK
885550
Exchange
NASDAQ
Industry (SIC)
6141 · Personal Credit Institutions
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
10.14M

Other companies: Financial services

The largest companies of the same sector, each with its own page.

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The full analysis

What do Credit Acceptance's filings show?

These are Credit Acceptance's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about CACC

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What is CACC's market cap?

Credit Acceptance Corporation's market cap is $5.1B, at a price of $504.63 on November 13, 2026 and 10.14M shares.

What is CACC's P/E?

CACC's P/E is 15.2, on earnings per share of $30.51 over the last 12 months. The median over the last 5 fiscal years was 12.2.

How much revenue does CACC have?

Credit Acceptance had revenue of $2.3B over the last 12 months. Over the last 5 years it changed by +6.8% a year on average.

Does CACC pay a dividend?

No. Credit Acceptance paid no regular dividend over the last 12 months.

Where do the figures come from?

From Credit Acceptance Corporation's SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.