CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$592.65
15.12 (2.62%)
▲
5d:
+3.47%
30d:
+8.15%
90d:
+35.23%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 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 2.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CACC is fairly valued with market pricing in 2.2% 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 $592.65, which is considered extended relative to its 30-day fair value range of $545.53 to $571.81. The stock's valuation (Forward PE: 10.6) is in line with its historical norms (9.9). At these levels, the market is pricing in 2.2% 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 $596.00. 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. 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 $596.00. 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. 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
$545.53 -
$571.81
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
55.7%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BEARISH: Trading above Wall St target ($536.67)
- NEUTRAL: Market pricing in 2.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$545.53 -
$571.81
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$525.10
Resistance Level
$596.00
Current Trend
Uptrend
Technical data as of
Jun 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.55
Wall Street Target
$536.67
(-7.1%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+2.2% premium
PE vs Historical
10.6 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.2%
(market-implied from PE analysis)
1-Year Target
$590.24
(+2%)
2-Year Target
$603.22
(+4%)
3-Year Target
$616.49
(+7%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$578.43
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.7%)
$1797.25
(+211%)
Base:
(SPY PE: 10.6, Growth: 14.7%)
$870.68
(+51%)
Bear:
(PE: 9.0, Growth: 14.7%)
$740.08
(+28%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 14.45 | Current EPS (TTM): $40.12
Bull Case
$870.01
(+51%)
Analyst growth 36.4%, PE expands to 15.9
Base Case
$790.92
(+37%)
Market implied 36.4%, PE stable at 14.5
Bear Case
$394.22
(-32%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 2:53 PM ET
Data refreshes hourly during market hours. Next update: 3:53 PM
Data refreshes hourly during market hours. Next update: 3:53 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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