CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$602.14
12.17 (2.06%)
▲
5d:
+4.88%
30d:
+10.52%
90d:
+36.92%
HOLD
MODERATE Confidence
Analysis Updated: Jun 24, 2026 12:00 AM ET
Earnings: Jul 30, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CACC is fairly valued with market pricing in 3.6% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CACC is fairly valued with market pricing in 3.6% 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
$844.68
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$524.48
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 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $602.14, which is considered extended relative to its 30-day fair value range of $545.48 to $575.82. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.0) compared to its historical average (9.9). At these levels, the market is pricing in 3.6% 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 approaching resistance at $605.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CACC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $536.67. 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 $605.47. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CACC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $536.67. 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
EXTENDED
Historical Trading Range
$545.48 -
$575.82
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
53.3%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 10.9% above Wall St target ($536.67)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$545.48 -
$575.82
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$525.10
Resistance Level
$605.47
Current Trend
Uptrend
Technical data as of
Jun 24, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.00
Wall Street Target
$536.67
(-10.9%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+3.6% premium
PE vs Historical
11.0 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$623.82
(+4%)
2-Year Target
$646.27
(+7%)
3-Year Target
$669.54
(+11%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$602.53
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.7%)
$1797.25
(+199%)
Base:
(SPY PE: 11.0, Growth: 14.7%)
$907.78
(+51%)
Bear:
(PE: 9.4, Growth: 14.7%)
$771.62
(+28%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 14.71 | Current EPS (TTM): $40.12
Bull Case
$885.37
(+47%)
Analyst growth 36.4%, PE expands to 16.2
Base Case
$804.88
(+34%)
Market implied 36.4%, PE stable at 14.7
Bear Case
$401.18
(-33%)
Severe decline -20.0%, PE contracts to 12.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 10:56 PM ET
Data refreshes hourly during market hours. Next update: 11:56 PM
Data refreshes hourly during market hours. Next update: 11:56 PM
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Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
8
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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