Credit Acceptance (CACC) Stock: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$545.04
-13.86 (-2.48%)
âŧ
5d:
+0.75%
30d:
-0.43%
90d:
-1.39%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 29, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: CACC is fairly priced but lacks strong directional signals. At -1.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: CACC is fairly priced but lacks strong directional signals. At -1.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$893.13
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$554.56
1.7% 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 $545.04, which is considered fair relative to its 30-day fair value range of $528.82 to $574.10. The stock's valuation (Forward PE: 9.9) is in line with its historical norms (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 1.0% 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 downtrend. The price is currently testing key support at $529.77. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 55/100 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 downtrend. The price is currently testing key support at $529.77. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 55/100 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
FAIR
Historical Trading Range
$528.82 -
$574.10
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
67.6%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($596.67)
- WARNING: Composite score 50/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$528.82 -
$574.10
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$529.77
Resistance Level
$560.90
Current Trend
Downtrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.88
Wall Street Target
$596.67
(+9.5%)
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
70.6%
Profit Margin
38.5%
Valuation Discount vs History
-1.0% cheaper
PE vs Historical
9.9 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.0%
(market-implied from PE analysis)
1-Year Target
$539.59
(-1%)
2-Year Target
$534.19
(-2%)
3-Year Target
$528.85
(-3%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
$546.12
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 15.5%)
$1686.92
(+210%)
Base:
(SPY PE: 9.9, Growth: 15.5%)
$839.00
(+54%)
Bear:
(PE: 8.4, Growth: 15.5%)
$713.15
(+31%)
đ
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: 11.93 | Current EPS (TTM): $46.84
Bull Case
$724.25
(+33%)
Analyst growth 17.8%, PE expands to 13.1
Base Case
$658.41
(+21%)
Market implied 17.8%, PE stable at 11.9
Bear Case
$380.05
(-30%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.9 to 10.2
Stabilization Target:
$562.84
(+3.3%)
PE Expansion Potential:
+3.3%
Share & Embed Analysis
Last updated: October 23, 2026 11:10 PM ET
Data refreshes hourly during market hours. Next update: 12:10 AM
Data refreshes hourly during market hours. Next update: 12:10 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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