Credit Acceptance (CACC) Stock: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$604.24
-1.22 (-0.20%)
▼
5d:
+0.44%
30d:
+4.68%
90d:
+10.09%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 29, 2026
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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
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 $604.24, which is considered extended relative to its 30-day fair value range of $580.77 to $602.83. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (10.2). At these levels, the market is pricing in 2.6% 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 currently testing key support at $589.36. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 54/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CACC is in a uptrend. The price is currently testing key support at $589.36. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 54/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$580.77 -
$602.83
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (54/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($636.67)
- NEUTRAL: Market pricing in 2.6% annual earnings growth - fairly valued
- WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$580.77 -
$602.83
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$589.36
Resistance Level
$620.96
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.03
Wall Street Target
$636.67
(+5.4%)
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
70.6%
Profit Margin
38.5%
Valuation Premium vs History
+2.6% premium
PE vs Historical
11.0 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.6%
(market-implied from PE analysis)
1-Year Target
$619.95
(+3%)
2-Year Target
$636.07
(+5%)
3-Year Target
$652.61
(+8%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$603.76
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 14.8%)
$1673.97
(+177%)
Base:
(SPY PE: 11.0, Growth: 14.8%)
$915.02
(+51%)
Bear:
(PE: 9.4, Growth: 14.8%)
$777.77
(+29%)
📈
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: 13.17 | Current EPS (TTM): $45.96
Bull Case
$794.18
(+31%)
Analyst growth 19.2%, PE expands to 14.5
Base Case
$721.98
(+20%)
Market implied 19.2%, PE stable at 13.2
Bear Case
$411.71
(-32%)
Severe decline -20.0%, PE contracts to 11.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 13, 2026 6:41 PM ET
Data refreshes hourly during market hours. Next update: 7:41 PM
Data refreshes hourly during market hours. Next update: 7:41 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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