CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$575.25
2.46 (0.43%)
▲
5d:
+1.04%
30d:
+5.01%
90d:
+25.21%
WAIT
LOW Confidence
Analysis Updated: Jun 16, 2026 12:00 AM ET
Earnings: Jul 30, 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
$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 $575.25, which is considered extended relative to its 30-day fair value range of $536.85 to $564.37. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (9.9). At these levels, the market is pricing in 1.9% 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 strong uptrend. The price is approaching resistance at $583.86. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CACC is in a strong uptrend. The price is approaching resistance at $583.86. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$536.85 -
$564.37
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
44.8%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BEARISH: Trading above Wall St target ($536.67)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$536.85 -
$564.37
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$525.10
Resistance Level
$583.86
Current Trend
Strong Uptrend
Technical data as of
Jun 16, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.46
Wall Street Target
$536.67
(-6.3%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+1.9% premium
PE vs Historical
10.5 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$583.67
(+2%)
2-Year Target
$594.76
(+4%)
3-Year Target
$606.06
(+6%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$573.35
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.7%)
$1797.25
(+214%)
Base:
(SPY PE: 10.5, Growth: 14.7%)
$863.54
(+51%)
Bear:
(PE: 8.9, Growth: 14.7%)
$734.00
(+28%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.67 | Current EPS (TTM): $40.11
Bull Case
$822.82
(+44%)
Analyst growth 36.5%, PE expands to 15.0
Base Case
$748.02
(+31%)
Market implied 36.5%, PE stable at 13.7
Bear Case
$372.74
(-35%)
Severe decline -20.0%, PE contracts to 11.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 16, 2026 3:36 PM ET
Data refreshes hourly during market hours. Next update: 4:36 PM
Data refreshes hourly during market hours. Next update: 4:36 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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