Credit Acceptance (CACC) Stock: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$527.50
15.55 (3.04%)
▲
5d:
-5.07%
30d:
-13.21%
90d:
-19.74%
WAIT
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 29, 2026
24d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: CACC shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: CACC shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$873.34
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$542.27
2.7% 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 $527.50, which is considered oversold relative to its 30-day fair value range of $550.91 to $607.65. The stock's valuation (Forward PE: 9.6) is in line with its historical norms (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 1.9% 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 showing sideways momentum. Immediate support is located at $506.55, while resistance sits at $583.12. The stock is showing strong short-term momentum, up 3.0% recently.
Market Sentiment: The stock scores a mixed 52/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $636.67 (+20.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CACC is showing sideways momentum. Immediate support is located at $506.55, while resistance sits at $583.12. The stock is showing strong short-term momentum, up 3.0% recently.
Market Sentiment: The stock scores a mixed 52/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $636.67 (+20.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$550.91 -
$607.65
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
84.3%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (52/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.0%)
- BULLISH: Trading 20.7% below Wall St target ($636.67)
- WARNING: Composite score 49/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$550.91 -
$607.65
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$506.55
Resistance Level
$583.13
Current Trend
Sideways
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.63
Wall Street Target
$636.67
(+20.7%)
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
70.6%
Profit Margin
38.5%
Valuation Discount vs History
-1.9% cheaper
PE vs Historical
9.6 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.9%
(market-implied from PE analysis)
1-Year Target
$517.48
(-2%)
2-Year Target
$507.65
(-4%)
3-Year Target
$498.00
(-6%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$527.75
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 14.8%)
$1693.06
(+221%)
Base:
(SPY PE: 9.6, Growth: 14.8%)
$798.81
(+51%)
Bear:
(PE: 8.2, Growth: 14.8%)
$678.99
(+29%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.72 | Current EPS (TTM): $43.67
Bull Case
$706.74
(+34%)
Analyst growth 25.5%, PE expands to 12.9
Base Case
$642.49
(+22%)
Market implied 25.5%, PE stable at 11.7
Bear Case
$348.13
(-34%)
Severe decline -20.0%, PE contracts to 10.0
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 9.6 to 10.2
Stabilization Target:
$559.01
(+6.0%)
PE Expansion Potential:
+6.0%
Share & Embed Analysis
Last updated: October 03, 2026 9:57 PM ET
Data refreshes hourly during market hours. Next update: 10:57 PM
Data refreshes hourly during market hours. Next update: 10:57 PM
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Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
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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