CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$572.97
4.06 (0.71%)
▲
5d:
+3.66%
30d:
-12.81%
90d:
+13.5%
BUY
HIGH Confidence
Analysis Updated: Aug 3, 2026 12:00 AM ET
Earnings: Aug 04, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CACC shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: CACC shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
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 $572.97, which is considered oversold relative to its 30-day fair value range of $578.60 to $645.46. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (10.1). At these levels, the market is pricing in 1.1% 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. Immediate support is located at $547.39, while resistance sits at $624.47.
Market Sentiment: The stock shows a mixed technical setup (40/100), 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. Immediate support is located at $547.39, while resistance sits at $624.47.
Market Sentiment: The stock shows a mixed technical setup (40/100), 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
OVERSOLD
Historical Trading Range
$578.60 -
$645.46
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($628.33)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$578.60 -
$645.46
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$547.39
Resistance Level
$624.47
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.45
Wall Street Target
$628.33
(+9.7%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+1.1% premium
PE vs Historical
10.5 vs 10.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$579.27
(+1%)
2-Year Target
$585.64
(+2%)
3-Year Target
$592.09
(+3%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$572.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 15.8%)
$1764.75
(+208%)
Base:
(SPY PE: 10.5, Growth: 15.8%)
$889.72
(+55%)
Bear:
(PE: 8.9, Growth: 15.8%)
$756.26
(+32%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 14.18 | Current EPS (TTM): $40.11
Bull Case
$855.36
(+49%)
Analyst growth 36.7%, PE expands to 15.6
Base Case
$777.60
(+36%)
Market implied 36.7%, PE stable at 14.2
Bear Case
$386.86
(-33%)
Severe decline -20.0%, PE contracts to 12.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 04, 2026 9:32 AM ET
Data refreshes hourly during market hours. Next update: 10:32 AM
Data refreshes hourly during market hours. Next update: 10:32 AM
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Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
7
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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