CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$617.78
-8.35 (-1.33%)
▼
5d:
-4.45%
30d:
+12.56%
90d:
+30.04%
BUY
MODERATE Confidence
Analysis Updated: Jul 14, 2026 12:00 AM ET
Earnings: Jul 30, 2026
14d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CACC shows positive signals but monitor for confirmation. Market pricing in 3.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: CACC shows positive signals but monitor for confirmation. Market pricing in 3.9% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$884.52
Based on 9.9% avg growth
INTRINSIC VALUE TODAY
$549.22
Trading above historical range
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 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $617.78, which is considered fair relative to its 30-day fair value range of $568.87 to $640.40. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.3) compared to its historical average (10.1). At these levels, the market is pricing in 3.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CACC is in a strong uptrend. The price is currently testing key support at $617.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CACC is in a strong uptrend. The price is currently testing key support at $617.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$568.87 -
$640.40
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($628.33)
- NEUTRAL: Market pricing in 3.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$568.87 -
$640.40
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$617.02
Resistance Level
$668.86
Current Trend
Strong Uptrend
Technical data as of
Jul 14, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.27
Wall Street Target
$628.33
(+1.7%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+3.9% premium
PE vs Historical
11.3 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.9%
(market-implied from PE analysis)
1-Year Target
$641.87
(+4%)
2-Year Target
$666.91
(+8%)
3-Year Target
$692.92
(+12%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$621.06
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 15.8%)
$1854.14
(+200%)
Base:
(SPY PE: 11.3, Growth: 15.8%)
$959.30
(+55%)
Bear:
(PE: 9.6, Growth: 15.8%)
$815.40
(+32%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.60 | Current EPS (TTM): $40.12
Bull Case
$940.91
(+52%)
Analyst growth 36.6%, PE expands to 17.2
Base Case
$855.38
(+39%)
Market implied 36.6%, PE stable at 15.6
Bear Case
$425.66
(-31%)
Severe decline -20.0%, PE contracts to 13.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 15, 2026 1:09 AM ET
Data refreshes hourly during market hours. Next update: 2:09 AM
Data refreshes hourly during market hours. Next update: 2:09 AM
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Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
8
Sells
Net
INSIDERS SELLING
Recent Transactions
Jill Foss Watson
SELL
9450 shares
2026-04-21
Jonathan Lum
SELL
3000 shares
2026-04-20
Kenneth Booth
SELL
4000 shares
2026-04-20
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