Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI Summary - About
Credit Acceptance Corporation(CACC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CACC
10/19/2026: CACC (1-star) is currently NOT-A-BUY. Pass it for now.
Credit Acceptance Corporation is a well-established player in the subprime auto finance market, primarily known for its proprietary underwriting and collection programs for automobile dealers. Its main strength lies in its ability to effectively manage credit risk for non-prime consumers while maintaining strong dealer relationships. The company's primary growth opportunity remains the continued scaling of its loan portfolio through its specialized financing programs. However, it faces significant risks from economic downturns, potential regulatory hurdles, and intense competition in the lending sector. This stock may suit value-oriented investors who are comfortable with the inherent volatility of subprime financial services, provided they monitor credit trends and macroeconomic conditions closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | While CACC has a history of growth, the business is cyclical and currently subject to tighter credit market conditions. |
| Momentum investor | Weak fit | Momentum is often inconsistent in this sector due to regulatory and credit-cycle sensitivities. |
| Value investor | Strong fit | CACC is often evaluated on its ability to generate significant cash flow relative to its market valuation. |
| Dividend investor | Weak fit | The company does not pay a regular dividend, prioritizing share repurchases and reinvestment. |
| Low-risk investor | Weak fit | The company's focus on subprime lending inherently involves high volatility and credit risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock often experiences significant price swings based on credit loss provisions and macroeconomic data. |
| Valuation risk | Medium | Investors must weigh the company's cash-flow generation against the inherent risks of its loan portfolio. |
| Competition risk (Subprime Auto Lending) | Medium / high | Intense competition from banks and fintech lenders puts pressure on originations and margins. |
| Business quality | Strong | The company has demonstrated a long track record of navigating complex credit cycles effectively. |
| Dividend income | Low / none | Investors should not expect income from dividends, as capital is returned through buybacks. |
| Execution risk | Medium | Successfully managing collections and underwriting for non-prime consumers requires precise operational execution. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -41.04% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/19/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.62B USD | Price to earnings Ratio 11.93 | 1Y Target Price 596.67 |
Price to earnings Ratio 11.93 | 1Y Target Price 596.67 | ||
Volume (30-day avg) 109.9K shares | Beta 1.4 | 52 Weeks Range 401.90 - 668.86 | Updated Date 10/18/2026 |
52 Weeks Range 401.90 - 668.86 | Updated Date 10/18/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 45.35 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Finance Charges | Interest and fees earned on subprime auto loans provided to dealers and consumers. | The company makes money by lending to consumers with poor credit and managing the risk of these loans. |
Valuation
Trailing PE 11.93 | Forward PE 10.28 | Enterprise Value 12.04B | Price to Sales(TTM) 4.31 |
Enterprise Value 12.04B | Price to Sales(TTM) 4.31 | ||
Enterprise Value to Revenue 5.22 | Enterprise Value to EBITDA 16.42 | Shares Outstanding 10.38M | Shares Floating 5.12M |
Shares Outstanding 10.38M | Shares Floating 5.12M | ||
Percent Insiders 36.72 | Percent Institutions 76.65 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.