Credit Acceptance Corporation (CACC) Stock Price & How to Invest

Credit Acceptance Corporation is a Michigan-based specialty finance company that helps franchised and independent car dealers sell vehicles to consumers with damaged or limited credit. Rather than lending directly, it advances money to dealers against consumer auto loans and then shares the collections it recovers over the life of each loan, a structure that lets dealers approve buyers who would be turned away by prime lenders while giving Credit Acceptance a claim on future cash flows. Its average loan portfolio sits around $8 billion, and finance charges on those loans are the dominant revenue line.

The investment picture is that of a high-return but volatile lender. Credit Acceptance generates strong returns on equity (recently in the high-20s percent) and funnels essentially all of its capital into share buybacks rather than dividends, which has steadily shrunk the share count and lifted per-share metrics. The counterweight is that the business lives or dies on how much of each loan it ultimately collects, and that recovery rate, plus intense competition and long-running regulatory scrutiny, drives most of the swings in reported earnings and the stock.

The largest risk is credit performance, since the business collects only roughly two-thirds of loan value on average and small changes in the recovery rate move earnings sharply. Credit Acceptance has faced significant regulatory and legal pressure, including matters with the CFPB and state attorneys general alleging unfair or deceptive practices tied to loans made to borrowers likely to default, and any adverse settlement or rulemaking could raise costs or constrain the model. Competition from Santander Consumer, Westlake, Exeter, Consumer Portfolio Services, and banks moving into non-prime can compress spreads and share. A weakening consumer, rising unemployment, or falling used-car values would all pressure collections at once. Leadership turnover and the stock's thin float add execution and volatility risk on top of the underlying credit cycle.

3 analysts publish price targets on CACC, averaging $636.67 against a $594.18 price as of September 2026, or +7.2%. The published targets run from $600.00 to $660.00, a narrow spread, and the ratings split 0 buy, 3 hold, 0 sell. Over the last six months there have been 4 raises and 0 cuts among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full CACC forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on Credit Acceptance Corporation. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. Buyback-driven per-share growth. Credit Acceptance pays no dividend and instead retires large blocks of stock, recently buying back hundreds of thousands of shares in a single quarter against roughly 10.5 million outstanding. The most optimistic published target, $660.00, assumes this works close to its best case.

The case against. The largest risk is credit performance, since the business collects only roughly two-thirds of loan value on average and small changes in the recovery rate move earnings sharply. The most pessimistic target, $600.00, is roughly what CACC is worth if this bites instead.

Read the full bull and bear case on CACC, including what would have to change to break either one. Walnut is not an investment adviser.

No. Credit Acceptance Corporation (CACC) has not split its stock in the last 10 years. That is a statement about the window we check rather than about the company’s entire history, so an older split is possible. It also matters less than it once did: fractional shares mean a high price per share no longer keeps smaller investors out, which removed most of the practical reason to split.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Credit Acceptance Corporation's investor relations page or your broker.

• Revenue (TTM): ~$2.3B
• Q1 2026 revenue: ~$580M
• Q1 2026 net income: ~$135.8M
• Market cap: ~$5.5B
• P/E (TTM): ~13x
• Average loan portfolio: ~$8B

Credit Acceptance reported first-quarter 2026 revenue of about $580 million and net income near $135.8 million (roughly $12.40 per diluted share), helped by a lower provision for credit losses. The stock trades around a low-teens trailing P/E with a return on equity in the high-20s percent, reflecting a profitable but cyclical lender. With no dividend, valuation and returns hinge on loss trends and the pace of buybacks.

Other names that sit close to CACC: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get CACC exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so CACC sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where CACC fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

CACC is a profitable, buyback-heavy subprime auto lender whose returns depend on its loan-loss discipline holding up under regulatory and competitive pressure.

Whether CACC is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is CACC a buy or a sell?, and where the stock could go from here in the CACC stock forecast.

For income investors, whether CACC pays a dividend and how the payout looks is covered in does CACC pay a dividend? And to weigh CACC against a peer, read the full side-by-side comparisons: CACC vs WLK and CACC vs CPSS.