Credit Acceptance (CACC) Stock: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$480.65
-4.11 (-0.85%)
▼
5d:
-11.4%
30d:
-9.54%
90d:
-18.88%
WAIT
LOW Confidence
Analysis Updated: Nov 3, 2026 12:00 AM ET
Earnings: Oct 29, 2026
0d
Get Alerted When CACC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
⏸️ WAIT FOR STABILIZATION: CACC is down 11.4% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: CACC is down 11.4% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$820.35
Based on 8.1% avg growth
INTRINSIC VALUE TODAY
$509.38
5.6% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $480.65, which is considered oversold relative to its 30-day fair value range of $511.50 to $557.78. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.8) compared to its historical average (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 4.7% over the next few years. This pessimistic expectation contrasts with the company's recent 70.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CACC is in a downtrend. Immediate support is located at $455.43, while resistance sits at $579.57.
Market Sentiment: CACC scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $556.67 (+15.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CACC is in a downtrend. Immediate support is located at $455.43, while resistance sits at $579.57.
Market Sentiment: CACC scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $556.67 (+15.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$511.50 -
$557.78
Company Quality Score
39/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
54.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (37/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($556.67)
- WARNING: Composite score 39/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$511.50 -
$557.78
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$455.43
Resistance Level
$579.57
Current Trend
Downtrend
Technical data as of
Nov 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.79
Wall Street Target
$556.67
(+15.8%)
Revenue Growth (YoY)
-75.6%
Earnings Growth (YoY)
70.6%
Profit Margin
31.6%
Valuation Discount vs History
-4.7% cheaper
PE vs Historical
8.8 vs 10.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.7%
(market-implied from PE analysis)
1-Year Target
$458.06
(-5%)
2-Year Target
$436.53
(-9%)
3-Year Target
$416.01
(-13%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$482.97
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 12.1%)
$1531.30
(+219%)
Base:
(SPY PE: 8.8, Growth: 12.1%)
$677.44
(+41%)
Bear:
(PE: 7.5, Growth: 12.1%)
$575.82
(+20%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 15.07 | Current EPS (TTM): $32.17
Bull Case
$906.79
(+89%)
Analyst growth 70.1%, PE expands to 16.6
Base Case
$824.36
(+72%)
Market implied 70.1%, PE stable at 15.1
Bear Case
$329.64
(-31%)
Severe decline -20.0%, PE contracts to 12.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.8 to 10.2
Stabilization Target:
$558.01
(+16.1%)
PE Expansion Potential:
+16.1%
Share & Embed Analysis
Last updated: November 03, 2026 7:46 PM ET
Data refreshes hourly during market hours. Next update: 8:46 PM
Data refreshes hourly during market hours. Next update: 8:46 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
AFRM
Affirm Holdings Inc |
STRONG BUY
36 analysts |
$98 | 58 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
40 analysts |
$697 | 43 HOLD |
|
V
Visa Inc. Class A |
STRONG BUY
40 analysts |
$441 | 40 HOLD |
|
AXP
American Express Company |
HOLD
29 analysts |
$366 | 57 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$255 | 51 HOLD |
