CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$603.07
2.02 (0.34%)
▲
5d:
+5.23%
30d:
+5.05%
90d:
+10.7%
HOLD
MODERATE Confidence
Analysis Updated: Aug 24, 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:
📊 HOLD: CACC is fairly valued with market pricing in 2.3% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CACC is fairly valued with market pricing in 2.3% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$911.53
Based on 10.1% avg growth
INTRINSIC VALUE TODAY
$565.99
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 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $603.07, which is considered slightly high relative to its 30-day fair value range of $564.29 to $608.21. The stock's valuation (Forward PE: 10.9) is in line with its historical norms (10.2). At these levels, the market is pricing in 2.3% 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 uptrend. The price is approaching resistance at $607.67. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 56/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CACC is in a uptrend. The price is approaching resistance at $607.67. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 56/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$564.29 -
$608.21
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (56/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($636.67)
- NEUTRAL: Market pricing in 2.3% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (56/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$564.29 -
$608.21
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$563.66
Resistance Level
$607.67
Current Trend
Uptrend
Technical data as of
Aug 24, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.88
Wall Street Target
$636.67
(+5.6%)
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
70.6%
Profit Margin
38.5%
Valuation Premium vs History
+2.3% premium
PE vs Historical
10.9 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.3%
(market-implied from PE analysis)
1-Year Target
$616.94
(+2%)
2-Year Target
$631.13
(+5%)
3-Year Target
$645.65
(+7%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$605.52
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 16.2%)
$1744.65
(+189%)
Base:
(SPY PE: 10.9, Growth: 16.2%)
$946.37
(+57%)
Bear:
(PE: 9.2, Growth: 16.2%)
$804.41
(+33%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.27 | Current EPS (TTM): $45.29
Bull Case
$809.47
(+34%)
Analyst growth 22.4%, PE expands to 14.6
Base Case
$735.88
(+22%)
Market implied 22.4%, PE stable at 13.3
Bear Case
$408.71
(-32%)
Severe decline -20.0%, PE contracts to 11.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 24, 2026 6:04 PM ET
Data refreshes hourly during market hours. Next update: 7:04 PM
Data refreshes hourly during market hours. Next update: 7:04 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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