Credit Acceptance stock

CACCNASDAQ

Credit Acceptance Corporation, Financial ServicesISIN US2253101016

$503.53▼ $10.25 (−2.0%)Closing price of 12 Nov 2026

72Score 72 out of 100, Strong

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Price and trend

59 / 100

Price history

+13% in one year

The chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.

TrendBelow the 200-day line, momentum normal

Long-term trend

Below the 200-day line: the price is 6.8% below it.

Trend change

Since April 2026 the 50-day line has been above the 200-day line; the trend has turned up.

Momentum

Normal: the price is neither overheated nor sold off (RSI 42).

Distance to the high

The price is 23% below its 52-week high. Largest decline in 20 years: 66% (December 2006 to October 2008).

Chart figures for advanced users

SMA 50$548.02: Average price of the last 50 trading days, shows the short-term trend.
SMA 200$540.50: Average price of the last 200 trading days, shows the long-term trend.
RSI (14)42: Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
MACDabove the signal line: Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
Support$411.04: The lowest closing price of the last twelve months.
Resistance$657.20: The highest closing price of the last twelve months.

What would $1,000 in Credit Acceptance have become?Return triangle for Credit Acceptance

Market cap

$5.21B

Div. yield

no dividend

15.9

includes one-off items, adjusted 10.7

Fair value

$546.02

Snapshot

Computed from the data by fixed rules, no AI

Credit Acceptance Corporation belongs to the Financial (Credit Services) industry (United States) and, with a market value of $5.1B, is number 27 of 61 companies in its industry on MEQIRI.
In fiscal 2025 it reported revenue of $1.85B (down 13.1% year on year) and earnings of $423.9M (up 71%).
MEQIRI Score 72 out of 100 (Strong): rank 338 of 976 in Financial Services, median 68.

Our model puts fair value at $546.02, with the price 6% below it.

In plain words

The numbers on this page in plain words, written by an AI

Strengths

Share buybacksShare count down 38% since 2020.Capital allocation 89
High return on equityReturn on equity 22.4% over the last 12 months.Profitability 85
Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 97

Weaknesses

None of our weakness checks flags anything. Crash risk is measured separately.

72/ 100

Score

Strong

Its standout strengths are fundamentals and capital allocation, while growth holds the score back.

Daily figure as of 12 Nov 2026

How the score is calculated

Score overview

The fundamentals are strong overall.

Profit consistency100% of years

Cash conversion (free cash flow to earnings)not used for financials

ROE (12 months)22.4%

Positive free cash flownot used for financials

How this category is measured

Score history

The full history of up to 20 years comes with MEQIRI Pro.

See plans

Crash risk low

How well MEQIRI warns

One of the 30% with the lowest crash risk among smaller stocks.

From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.

What lowers it

solid fundamentals

Valuation

Valuation signal

Fairly valued

Price

$513.78

Fair value

$546.02

Gap to fair value

−6%

Closing price of 11 Nov 2026, used by the daily score.

In our model the price counts as cheap below $390.02 and expensive above $910.04 (uncertainty high, based on the price swings of the past year).

Calculated with a cost of equity of 9.7%. At 10.7% the fair value would be $466.43, at 8.7% it would be $658.36.

Valuation metrics

3.78

22.4%

last 12 months, profit over average equity

Fair value (model)

$546.02

From the excess return model alone; the profit includes one-off items, so there is no industry value.

Calculate with your own assumptions

Company performance

This shows several years of history with an automatic assessment.

Revenue

20 years

In the twelve months to 30 Sep 2026, revenue fell 16.1% on the twelve months before. Revenue has grown strongly since 2006, at around 12% per year.

Margins

20 years

Operating margin
Net margin

In fiscal 2025: operating 60%, net 23%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 18%.

Debt & balance sheet

latest quarter

4.84

Equity

$1.39B

13.49

Cash & equivalents

$647.3M

For banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.

Earnings

Next earnings: 1 Feb 2027in 81 days
Last reported: 29 Oct 2026EPS reported $13.01 (expected $12.86)in line with expectations

Analyst estimates

Fiscal 20262 analysts

Earnings per share: $48.54−0.4%
Revenue: $2.13B−9.8%

Fiscal 20273 analysts

Earnings per share: $54.31−8.1%
Revenue: $2.29B−8.8%

MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.

Insiders1 insider bought and 7 insiders sold in the last 6 months

Insiders

Open-market purchases and sales by executives, board members and major holders

All insider purchases

One insider bought on the open market in the last 6 months, $1.46M in total. 7 insiders sold, $47.86M in total.

Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.

Tryforos Thomas NPurchase
2 Nov 2026, Board
Shares
3,000
Price
$485.20
Value
$1.46M
Watson Jill FossSale
16 Jul 2026, Major holder
Shares
1,436
Price
$640.52
Value
$919,788
Watson Jill FossSale
2 Jul 2026, Major holder
Shares
11,000
Price
$653.24
Value
$7.19M

Show 37 more

Elliott Nicholas JSale
26 Jun 2026, Chief Transformation Officer
Shares
2,306
Price
$629.99
Value
$1.45M
Kerber Erin JSale
26 Jun 2026, Chief Legal Officer
Shares
5,720
Price
$629.80
Value
$3.6M
Elliott Nicholas JSale
25 Jun 2026, Chief Transformation Officer
Shares
1,183
Price
$627.01
Value
$741,756
Kerber Erin JSale
25 Jun 2026, Chief Legal Officer
Shares
2,937
Price
$627.19
Value
$1.84M
Lum JonathanSale
24 Jun 2026, Chief Operating Officer
Shares
6,000
Price
$600.00
Value
$3.6M
Martin Jay DSale
24 Jun 2026, Chief Financial Officer
Shares
3,000
Price
$601.04
Value
$1.8M
Elliott Nicholas JSale
24 Jun 2026, Chief Transformation Officer
Shares
3,487
Price
$601.01
Value
$2.1M
Kerber Erin JSale
24 Jun 2026, Chief Legal Officer
Shares
8,656
Price
$600.94
Value
$5.2M
Elliott Nicholas JSale
17 Jun 2026, Chief Transformation Officer
Shares
3
Price
$577.85
Value
$1,734
Kerber Erin JSale
17 Jun 2026, Chief Legal Officer
Shares
2
Price
$578.82
Value
$1,158
Martin Jay DSale
17 Jun 2026, Chief Financial Officer
Shares
2
Price
$578.43
Value
$1,157
Elliott Nicholas JSale
16 Jun 2026, Chief Transformation Officer
Shares
36
Price
$577.95
Value
$20,806
Kerber Erin JSale
16 Jun 2026, Chief Legal Officer
Shares
27
Price
$577.95
Value
$15,605
Martin Jay DSale
16 Jun 2026, Chief Financial Officer
Shares
25
Price
$577.99
Value
$14,450
Elliott Nicholas JSale
15 Jun 2026, Chief Transformation Officer
Shares
16
Price
$575.07
Value
$9,201
Kerber Erin JSale
15 Jun 2026, Chief Legal Officer
Shares
27
Price
$575.19
Value
$15,530
Martin Jay DSale
15 Jun 2026, Chief Financial Officer
Shares
22
Price
$575.16
Value
$12,654
Elliott Nicholas JSale
9 Jun 2026, Chief Transformation Officer
Shares
32
Price
$575.73
Value
$18,423
Martin Jay DSale
9 Jun 2026, Chief Financial Officer
Shares
26
Price
$575.78
Value
$14,970
Kerber Erin JSale
9 Jun 2026, Chief Legal Officer
Shares
32
Price
$575.71
Value
$18,423
Elliott Nicholas JSale
8 Jun 2026, Chief Transformation Officer
Shares
21
Price
$578.15
Value
$12,141
Martin Jay DSale
8 Jun 2026, Chief Financial Officer
Shares
18
Price
$578.15
Value
$10,407
Kerber Erin JSale
8 Jun 2026, Chief Legal Officer
Shares
22
Price
$578.15
Value
$12,719
Kerber Erin JSale
1 Jun 2026, Chief Legal Officer
Shares
61
Price
$575.25
Value
$35,090
Elliott Nicholas JSale
1 Jun 2026, Chief Transformation Officer
Shares
59
Price
$575.25
Value
$33,940
Martin Jay DSale
1 Jun 2026, Chief Financial Officer
Shares
51
Price
$575.25
Value
$29,338
Booth KennethSale
29 May 2026, Board
Shares
4,000
Price
$574.00
Value
$2.3M
Kerber Erin JSale
29 May 2026, Chief Legal Officer
Shares
3,485
Price
$576.48
Value
$2.01M
Elliott Nicholas JSale
29 May 2026, Chief Transformation Officer
Shares
3,320
Price
$576.49
Value
$1.91M
Lum JonathanSale
29 May 2026, Chief Operating Officer
Shares
5,000
Price
$575.00
Value
$2.88M
Martin Jay DSale
29 May 2026, Chief Financial Officer
Shares
2,856
Price
$576.30
Value
$1.65M
Booth KennethSale
19 May 2026, Board
Shares
4,000
Price
$554.00
Value
$2.22M
Elliott Nicholas JSale
18 May 2026, Chief Transformation Officer
Shares
1,815
Price
$552.41
Value
$1M
Martin Jay DSale
18 May 2026, Chief Financial Officer
Shares
1,561
Price
$552.59
Value
$862,594
Rummler Wendy ASale
18 May 2026, Chief People Officer
Shares
1,994
Price
$552.05
Value
$1.1M
Kerber Erin JSale
18 May 2026, Chief Legal Officer
Shares
1,903
Price
$552.40
Value
$1.05M
Booth KennethSale
14 May 2026, Board
Shares
4,000
Price
$541.57
Value
$2.17M

Trade date	Person	Type	Shares	Price	Value	Holding
2 Nov 2026	Tryforos Thomas NBoard	Purchase	3,000	$485.20	$1.46M	3,000
16 Jul 2026	Watson Jill FossMajor holder	Sale	1,436	$640.52	$919,788	47,910
2 Jul 2026	Watson Jill FossMajor holder	Sale	11,000	$653.24	$7.19M	134,953
26 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	2,306	$629.99	$1.45M	20,897.3
26 Jun 2026	Kerber Erin JChief Legal Officer	Sale	5,720	$629.80	$3.6M	25,710.7
25 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	1,183	$627.01	$741,756	20,897.3
25 Jun 2026	Kerber Erin JChief Legal Officer	Sale	2,937	$627.19	$1.84M	51,421.4
24 Jun 2026	Lum JonathanChief Operating Officer	Sale	6,000	$600.00	$3.6M	31,608.6
24 Jun 2026	Martin Jay DChief Financial Officer	Sale	3,000	$601.04	$1.8M	25,963.1
24 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	3,487	$601.01	$2.1M	20,897.3
24 Jun 2026	Kerber Erin JChief Legal Officer	Sale	8,656	$600.94	$5.2M	51,421.4
17 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	3	$577.85	$1,734	20,897.3
17 Jun 2026	Kerber Erin JChief Legal Officer	Sale	2	$578.82	$1,158	25,710.7
17 Jun 2026	Martin Jay DChief Financial Officer	Sale	2	$578.43	$1,157	25,963.1
16 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	36	$577.95	$20,806	20,897.3
16 Jun 2026	Kerber Erin JChief Legal Officer	Sale	27	$577.95	$15,605	25,710.7
16 Jun 2026	Martin Jay DChief Financial Officer	Sale	25	$577.99	$14,450	25,963.1
15 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	16	$575.07	$9,201	20,897.3
15 Jun 2026	Kerber Erin JChief Legal Officer	Sale	27	$575.19	$15,530	25,710.7
15 Jun 2026	Martin Jay DChief Financial Officer	Sale	22	$575.16	$12,654	25,963.1
9 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	32	$575.73	$18,423	20,897.3
9 Jun 2026	Martin Jay DChief Financial Officer	Sale	26	$575.78	$14,970	25,963.1
9 Jun 2026	Kerber Erin JChief Legal Officer	Sale	32	$575.71	$18,423	25,710.7
8 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	21	$578.15	$12,141	20,897.3
8 Jun 2026	Martin Jay DChief Financial Officer	Sale	18	$578.15	$10,407	25,963.1
8 Jun 2026	Kerber Erin JChief Legal Officer	Sale	22	$578.15	$12,719	25,710.7
1 Jun 2026	Kerber Erin JChief Legal Officer	Sale	61	$575.25	$35,090	25,710.7
1 Jun 2026	Elliott Nicholas JChief Transformation Officer	Sale	59	$575.25	$33,940	20,897.3
1 Jun 2026	Martin Jay DChief Financial Officer	Sale	51	$575.25	$29,338	25,963.1
29 May 2026	Booth KennethBoard	Sale	4,000	$574.00	$2.3M	22,831.9
29 May 2026	Kerber Erin JChief Legal Officer	Sale	3,485	$576.48	$2.01M	25,710.7
29 May 2026	Elliott Nicholas JChief Transformation Officer	Sale	3,320	$576.49	$1.91M	20,897.3
29 May 2026	Lum JonathanChief Operating Officer	Sale	5,000	$575.00	$2.88M	31,608.6
29 May 2026	Martin Jay DChief Financial Officer	Sale	2,856	$576.30	$1.65M	25,963.1
19 May 2026	Booth KennethBoard	Sale	4,000	$554.00	$2.22M	22,831.9
18 May 2026	Elliott Nicholas JChief Transformation Officer	Sale	1,815	$552.41	$1M	20,897.3
18 May 2026	Martin Jay DChief Financial Officer	Sale	1,561	$552.59	$862,594	25,963.1
18 May 2026	Rummler Wendy AChief People Officer	Sale	1,994	$552.05	$1.1M	19,547.1
18 May 2026	Kerber Erin JChief Legal Officer	Sale	1,903	$552.40	$1.05M	25,710.7
14 May 2026	Booth KennethBoard	Sale	4,000	$541.57	$2.17M	45,663.8

Show 32 more

Partial trades from one filing are shown in one row, with the average price.

Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.

What happened at Credit Acceptance2 events in recent months

What happened at Credit Acceptance

The key events of the last six months from our own data. A click takes you to the matching card.

Sector comparisonRank 338 of 976 in Financial Services

Sector comparison

976 rated companies in Financial Services

Rank 338 of 976

338/ 976

This company: 72
Sector median: 68

Categories against the sector median

ProfitabilityMedian of 976 companies85 (median 57)28 above the median

GrowthMedian of 976 companies44 (median 67)23 below the median

FundamentalsMedian of 976 companies97 (median 80)17 above the median

ValuationMedian of 929 companies with a value59 (median 73)14 below the median

StabilityMedian of 976 companies75 (median 78)3 below the median

Capital allocationMedian of 976 companies89 (median 56)33 above the median

Technical analysisMedian of 976 companies59 (median 70)11 below the median

MomentumMedian of 976 companies57 (median 70)13 below the median

The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.

Competitors in Financial (Credit Services)

The next larger and next smaller companies by market value

All 61 Financial (Credit Services) stocks

ETFs that hold Credit AcceptanceHeld by 12 ETFs on Xetra

ETFs that hold Credit Acceptance

Held by 12 ETFs on Xetra. Shown per index: the ETF with the largest weight.

ETF	Weight	Cost	Fund size
iShares S&P SmallCap 600 UCITS ETFIUS3	0.15%	0.30%	€2.28B
Avantis Global Small Cap Value UCITS ETFAVWS	0.13%	0.39%	€1.47B
Invesco Global Buyback Achievers UCITS ETFBBCK	0.07%	0.39%	€188.08M

Show 5 more

State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV	0.03%	0.30%	€944.34M
State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS	0.03%	0.45%	€1.53B
iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG	0.02%	0.43%	€2.48B
UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE	0.01%	0.25%	€175.89M
iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG	0.01%	0.35%	€434.1M

Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).

Data status and sourcesWhen it was calculated, from which sources

Data status and sources

Score: Daily value of 12 Nov 2026, recalculated nightly
Price: Closing price of 12 Nov 2026
Latest annual report: Fiscal year 2025, period end 31 Dec 2025
Source: Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.

Original filings at the SEC Report a data error

Mandatory disclosures for this rating

Computed on 12 Nov 2026, 03:31 Berlin time; time horizon around 12 months
Rated Strong, published since 7 Nov 2026 (in the score history since 3 Nov 2026)
Valuation signal Fairly valued since 7 Nov 2026
End-of-day prices, metrics cached for up to 24 hours
Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.

Full disclosures, methodology and data sources All ratings of the last 12 months How the score is calculated

Credit Acceptance stock

Price and trend

Price history

Snapshot

In plain words

Strengths

Weaknesses

Score overview

Score history

Crash risk low

Valuation

Valuation signal

Valuation metrics

Company performance

Revenue

Earnings (net income)

Earnings per share

Shares outstanding

Margins

Returns on capital

Price to book (P/B)

Debt & balance sheet

Earnings

Analyst estimates

Insiders

What happened at Credit Acceptance

Sector comparison

Categories against the sector median

Competitors in Financial (Credit Services)

ETFs that hold Credit Acceptance

Data status and sources

Mandatory disclosures for this rating