Credit Acceptance (CACC) Stock: Buy, Sell, or Hold?
$503.53
-10.25 (-2.00%)
▼
5d:
-3.65%
30d:
-5.41%
90d:
-14.26%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (55%)
Quality Score
40/100
Position
OVERSOLD
30-Day Fair Range
$506.43 – $553.99
Position: OVERSOLD
Forward P/E & Valuation
9.2x
FAIR
vs 10.1x historical avg
Wall Street Target
$556.67
+10.6% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$455.43 / $540.01
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: CACC shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$812.31
Based on 8.1% avg growth
INTRINSIC VALUE TODAY
$504.38
0.2% 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 10.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $503.53, which is considered oversold relative to its 30-day fair value range of $506.43 to $553.99. The stock's valuation (Forward PE: 9.2) is in line with its historical norms (10.1). Remarkably, the market is currently pricing in an annual earnings decline of 3.2% 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 strong downtrend. Immediate support is located at $455.43, while resistance sits at $540.01.
Market Sentiment: CACC scores 36/100 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 (+10.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CACC is in a strong downtrend. Immediate support is located at $455.43, while resistance sits at $540.01.
Market Sentiment: CACC scores 36/100 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 (+10.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$506.43 -
$553.99
Company Quality Score
40/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
54.8%
Trading Range & Key Levels
30-Day Trading Range
$506.43 -
$553.99
Current vs Trading Range
OVERSOLD
Support Level
$455.43
Resistance Level
$540.01
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (36/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($556.67)
- WARNING: Composite score 40/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.20
Wall Street Target
$556.67
(+10.6%)
Revenue Growth (YoY)
-75.6%
Earnings Growth (YoY)
70.6%
Profit Margin
31.6%
Valuation Discount vs History
-3.2% cheaper
PE vs Historical
9.2 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.2%
(market-implied from PE analysis)
1-Year Target
$487.42
(-3%)
2-Year Target
$471.82
(-6%)
3-Year Target
$456.72
(-9%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$501.17
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 12.1%)
$1531.30
(+204%)
Base:
(SPY PE: 9.2, Growth: 12.1%)
$709.69
(+41%)
Bear:
(PE: 7.8, Growth: 12.1%)
$603.23
(+20%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 16.75 | Current EPS (TTM): $30.67
Bull Case
$1008.09
(+100%)
Analyst growth 78.4%, PE expands to 18.4
Base Case
$916.44
(+82%)
Market implied 78.4%, PE stable at 16.8
Bear Case
$349.37
(-31%)
Severe decline -20.0%, PE contracts to 14.2
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 9.2 to 10.1
Stabilization Target:
$552.54
(+9.7%)
PE Expansion Potential:
+9.7%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CACC)
Bearish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 5, 2026
Daily AI digest
AI Retail Discussion Summary:
Bearish sentiment dominates $CACC on StockTwits, with one user expressing concern over the company's loan loss reserves and its status as a subprime auto loan company.
Key Retail Themes:
loan loss reserves
subprime auto loan company
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 13, 2026 4:07 AM ET
Data refreshes hourly during market hours. Next update: 5:07 AM
Data refreshes hourly during market hours. Next update: 5:07 AM
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Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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