Insider buying last 90 days
No open-market insider purchases were filed for CACC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every CACC insider filing, plotted on the chart in Gekko.Open CACC in Gekko
NASDAQ: CACC
Credit Acceptance (CACC) Stock Analysis & Forecast
Sep 28 close
$550.00−5.68 (−1.0%)
Gekko Brief
AI summaryThis week's news for Credit Acceptance centers on a multistate legal settlement over predatory auto loan allegations. Reports describe a $700 million settlement with New York's Attorney General and 39 states plus D.C., while separate coverage cites a $710 million multistate settlement including $634 million in debt forgiveness, and a Hawaii-specific settlement providing nearly $830,000 in debt forgiveness and $115,000 in cash restitution. Related coverage notes the settlement will introduce new product and price disclosures for dealers, though loan approvals are expected to remain largely unaffected. The company also announced Shannon Wilson as Chief Human Resources Officer.
CACC closed at $550.00, down 1%, sitting between its 50-day average of $584.99 and 200-day average of $528.77. Over the past month the stock is down 8.4%, and down 13.8% over three months, though it remains up 31.1% over six months and 17.9% over the past year. The GekkoIndex reads 69.5, placing it in the Accumulation zone. Price sits 9.2% below Gekko Fair Value of $605.66.
Earnings are scheduled for 29 October 2026, after close, 30 days out and beyond a typical 20-trading-day hold; the prior report on 4 August showed adjusted EPS of $12.12 against an estimate of $12.20, with a 3.4% reaction. No insider, Congress, or unusual options activity appears in the respective 90-day and 30-day windows. Seasonally, the next 20 trading days have averaged a 1.6% gain over 5 years, positive in 3 of them. The lone analyst covering the stock holds a hold rating with a consensus target of $636.67.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Credit Acceptance price vs fair value
Close $550.00200-day averageGekko Fair Value $605.66
Credit Acceptance quick facts
- Market cap
- $5.75B
- P/E ratio
- 12.3
- Forward P/E
- 10.3
- EPS, TTM
- $45.29
- Revenue, TTM
- $1.30B
- Profit margin
- 38.5%
- Dividend yield
- —
- Beta
- 1.35
- Volume
- 89,163 avg 120,434
- 1-year return
- +17.9%
- Typical daily move
- ±3.1%
- Typical 20-day move
- ±6.7%
- 50-day average
- $584.99
- 200-day average
- $528.77
- Next earnings
- Oct 29 after close
- Shares outstanding
- 10.38M
Credit Acceptance swing-trade checklist
Credit Acceptance scores 4 supportive, 1 mixed and 0 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed0 headwinds
- Trendmixed
Averages disagree
Close $550.00 sits between the 50-day ($584.99) and 200-day ($528.77) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
69.5, Accumulation
Reading 69.5 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
9.2% below
Price is 9.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 30 days
Next report Oct 29, 2026, 30 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+1.6% on average
From this point in the calendar, the next 20 trading days averaged +1.6% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Credit Acceptance stock chart and price history
Credit Acceptance closed at $550.00 on Sep 28, 2026, +17.9% over the past year, inside a 52-week range of $401.90 to $668.86.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −8.4%
- 3 months
- −13.8%
- 6 months
- +31.1%
- 1 year
- +17.9%
The full CACC chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open CACC in Gekko
Follow Credit Acceptance through every session
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About Credit Acceptance
Credit Acceptance provides financing programs and related products and services connected to automobile purchases in the United States. Its core work involves advancing funds to car dealers in return for the right to service the consumer loans tied to those vehicle sales, and in other cases purchasing the loans outright from dealers and retaining what is collected from borrowers afterward.
Beyond loan financing, the company also reinsures vehicle service contracts that dealers sell to consumers on cars the company has financed. Its customer base consists of both independent and franchised automobile dealerships, which rely on these arrangements to fund vehicle sales to their own customers.
Credit Acceptance traces its founding back to 1972 and operates out of Southfield, Michigan. Its shares are listed on the NASDAQ under the ticker CACC.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- creditacceptance.com
Credit Acceptance GekkoIndex: the smart money zone
Credit Acceptance’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 69.5, in the Accumulation zone, down 0.9 points over five sessions.
69.5Accumulation
Down 0.9 points over five sessions, from the Buying zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 25 | +3.0% | +5.6% | ||
| Accumulation (current zone) | 220 | +1.2% | +4.7% | ||
| Neutral | 392 | −0.5% | −1.3% | ||
| Distribution | 31 | −1.3% | −9.3% | ||
| Selling | 4 | Too few readings yet | |||
Average CACC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the CACC price, zone by zone.Track CACC in Gekko
Is Credit Acceptance stock overvalued? Gekko Fair Value
Credit Acceptance trades 9.2% below Gekko Fair Value of $605.66, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Credit Acceptance shares are worth, recalculated every trading day.
$605.66
Gekko Fair Value, Sep 29, 2026
9.2% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open CACC in Gekko
Credit Acceptance insider and Congress trading
No open-market insider purchases were filed for Credit Acceptance, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in CACC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for CACC, plotted on the chart in Gekko.Open CACC in Gekko
Buybacks
Credit Acceptance has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $141.4M
- As a share of market cap
- 2.46%
- Trailing four quarters
- $619.1M
From company filings.
Hedge funds and billionaires quarter ended Dec 31
1of the funds Gekko tracks holds CACC.
0added0opened1trimmed0sold out
Which funds are on each side, name by name.Unlock in Gekko
Credit Acceptance earnings: next date and track record
Credit Acceptance reports on Oct 29, 2026, after the close (30 days away), and beat the EPS estimate in 4 of its last 8 reports.
Next earnings report
Oct 29, 2026
Expected after the close, 30 days away
- EPS estimate
- $12.36
- Revenue estimate
- $594.2M
4 of 8reports beat the EPS estimate
±6.6%average move across the report
3 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 4, 2026 AI summary
- What they said
- CACC reported Q2 2026 GAAP net income of $12.66 per diluted share (up 71% YoY) and adjusted net income of $12.12 per diluted share (up 21% YoY). Forecasted net cash flows declined 0.3% vs. 0.5% decline in Q2 2025, indicating improving portfolio stability. Consumer Loan assignment unit volume declined 1% YoY but returned to YoY growth in June, continuing into July. Company is pursuing AI-enabled, data-driven transformation focused on pricing, segmentation, and dealer integration.
- Guidance
- Management targets profitable growth through disciplined capital allocation rather than volume recovery at any cost. Monthly unit volumes returning to YoY growth in June-July signals early traction. No specific revenue or EPS targets were provided, but leadership expressed confidence in continued operational improvement.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 4, 2026 | $12.12 est $12.20 | $587.4M est $588.1M | +3.4% |
| May 5, 2026 | $10.71 est $10.61 | $580.0M est $580.8M | +6.5% |
| Jan 29, 2026 | $11.35 est $10.30 | $579.9M est $585.4M | +15.0% |
| Oct 30, 2025 | $10.28 est $9.87 | $576.4M est $593.8M | −2.6% |
| Jul 31, 2025 | $8.56 est $9.84 | $575.6M est $589.7M | −11.3% |
| Apr 30, 2025 | $8.66 est $10.31 | $562.3M est $567.2M | −4.3% |
| Jan 30, 2025 | $12.26 est $7.70 | $557.7M est $564.7M | −3.3% |
| Oct 30, 2024 | $6.35 est $9.21 | $543.6M est $548.1M | −6.1% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Credit Acceptance stock forecast and analyst price targets
Analysts’ average 12-month price target for Credit Acceptance is $636.67, +15.8% from the last close, from 1 firm rating the stock in the last 90 days.
$636.67consensus 12-month target, +15.8% from the last close
Each firm’s latest rating in the last 90 days: 1 firm.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 4 | TD Cowen | $600 | +9.1% |
+4.7%average 20-day move after past Accumulation readings
+1.6%average move over the next 20 trading days in the last 5 years
±3.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Credit Acceptance seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Credit Acceptance averaged +1.6% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.9% | 3 of 5 |
| Next 10 trading days | +2.3% | 4 of 5 |
| Next 15 trading days | +0.9% | 3 of 5 |
| Next 20 trading days | +1.6% | 3 of 5 |
| Next 30 trading days | +2.2% | 3 of 5 |
For scale, CACC’s typical 20-trading-day move in either direction is about 6.7%.
Credit Acceptance market cap and key statistics
Credit Acceptance’s market cap is $5.75B, with a P/E ratio of 12.3 and revenue of $1.30B over the last twelve months.
Valuation
- Market cap
- $5.75B
- P/E ratio
- 12.3
- Forward P/E
- 10.3
- EPS, TTM
- $45.29
- Gekko Fair Value
- $605.66
Trading
- Volume
- 89,163
- Avg volume, 20 days
- 120,434
- 52-week high
- $668.86
- 52-week low
- $401.90
- Shares outstanding
- 10.38M
Financials
- Revenue, TTM
- $1.30B
- Profit margin
- 38.5%
- Return on equity
- 31.9%
- Quarterly earnings growth, YoY
- +70.6%
Risk and income
- Beta
- 1.35
- Typical daily move
- ±3.1%
- Typical 20-day move
- ±6.7%
Credit Acceptance stock news this week
Coverage of Credit Acceptance this week reads negative: 0 positive, 2 neutral and 4 negative headlines.
- Trust sale notices cover up to 92,737 Credit Acceptance (NASDAQ: CACC) shares; one trust lists a September date.Stock Titan, Sep 25
- State reaches settlement with Credit Acceptance Corp. over predatory auto loansHawaii News Now, Sep 23
- NY Attorney General and 39 States Secure $700M Settlement with Credit Acceptance CorpACA International, Sep 23
- Credit Acceptance settlement brings new product and price disclosures for dealers, but loan approvals shouldn’t changeAutomotive News, Sep 23
- Could you get debt relief from Credit Acceptance car loan deal?Detroit Free Press, Sep 22
- Credit Acceptance Announces Shannon Wilson as Chief Human Resources OfficerGlobeNewsWire, Sep 22
Credit Acceptance peers
Credit Acceptance’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 5.4% below |
| MAMastercard | Neutral | 6.5% below |
| AXPAmerican Express | Accumulation | 12.9% below |
| COFCapital One Financial | Accumulation | 14.8% below |
| URIUnited Rentals | Neutral | 9.0% below |
| RKTRocket Companies | Accumulation | 23.5% below |
A peer links to its own page where one exists.
Credit Acceptance stock FAQ
What is Credit Acceptance’s market cap?
Credit Acceptance’s market cap is $5.75B at the Sep 28, 2026 close of $550.00, with 10.38M shares outstanding. The shares trade on a P/E ratio of 12.3.
What is the Credit Acceptance stock forecast?
The consensus analyst 12-month price target for Credit Acceptance is $636.67, +15.8% from the last close. Of the 1 firm that rated the stock in the last 90 days, 0 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Credit Acceptance stock overvalued or undervalued?
On Gekko’s estimate Credit Acceptance is undervalued: the Sep 28, 2026 close of $550.00 is 9.2% below Gekko Fair Value of $605.66. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Credit Acceptance report earnings next?
Credit Acceptance is expected to report on Oct 29, 2026, after the market closes (30 days away). Analysts expect earnings of $12.36 per share on revenue of $594.2M. Credit Acceptance beat the earnings estimate in 4 of its last 8 reports, moving 6.6% on average across the report.
What is Credit Acceptance’s 52-week high and low?
Credit Acceptance’s 52-week high is $668.86 and its 52-week low is $401.90; it closed at $550.00 on Sep 28, 2026, +17.9% over the past year. Over the last five years the shares peaked at $703.27 on Nov 5, 2021.
Is Credit Acceptance stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 5 items with data read as supportive (gekkoindex, fair value, earnings risk and seasonality), 1 as mixed (trend). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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