Credit Acceptance (CACC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Credit Acceptance

NasdaqGS•Financial Services•Credit Services

$480.65-4.11(-0.01%)Pre-market

Market Cap

$5.01B

P/E

14.9x

P/S

2.1x

P/B

3.6x

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.

How this company scores

WeakMetricSide Score: 55/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (3/25).

Profitability16/25

Growth11/25

Balance Sheet & Red Flags3/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsHigh ROECash-backed earnings

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.9x5y range 8.0x – 34.8x

Currently near its 20-quarter median.

P/S · 2.1x5y range 1.9x – 5.3x

Currently below its 20-quarter median.

P/B · 3.6x5y range 3.0x – 5.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 28.2% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Leverage Risk

Red Flag

D/E ratio is 4.7 — heavily leveraged and vulnerable to rising rates or cash flow dips.

Price & Volume

Market Cap $5.01B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.34B
Q. Revenue: $594.60M
TTM EBITDA: $413.00M
TTM Op. Income: $376.40M
Q. Op. Income: $-91.90M
TTM Net Income: $337.10M
Q. Net Income: $-56.60M
EPS: $-5.43
Shares Out.: $10.42M

$2.34B in TTM revenue grew 1.7% YoY, reaching $594.60M last quarter. TTM EBITDA of $413.00M and TTM operating income of $376.40M show growth is flowing through to the bottom line. TTM net income of $337.10M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -14.5%
Op. Margin: -15.5%
Net Margin: -9.5%

Op. margin of -15.5% is down 37.8% YoY — costs are rising relative to revenue. Net margin at -9.5% Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.9x
P/S Ratio: 2.1x
P/B Ratio: 3.6x

At 14.9x P/E, the stock trades below typical market levels. P/S of 2.1x and P/B of 3.6x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.88B
Cash: $1.30M
Long-Term Debt: $6.50B
Book Value: $1.39B
D/E Ratio: 4.7
Debt/EBITDA: N/A

With $8.88B in assets and $6.50B in long-term debt, D/E is 4.7and book value is $1.39B — elevated leverage, meaning significant financial risk in a downturn. Over the past year, debt/equity is up 19% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $335.50M
TTM Free Cash Flow: $1.26B
FCF Margin: 53.6%
FCF / Net Income: 3.7

TTM FCF of $1.26B on $335.50M in operating cash flow. The FCF / Net Income ratio of 3.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.