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    A Look At Credit Acceptance (CACC) Valuation After Mixed Recent Share Price Performance

    Simply Wall St·01/18/2026 00:32:46
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    What has been happening with Credit Acceptance shares

    Credit Acceptance (CACC) has seen mixed share price moves recently, with a small decline over the past week, a gain over the past month, and a negative return over the past 3 months.

    See our latest analysis for Credit Acceptance.

    At a share price of US$472.03, Credit Acceptance has had a modestly positive year to date with a 3.99% share price return. However, the 1 year total shareholder return of a 2.64% decline contrasts with the stronger 16.27% and 45.16% total shareholder returns over 3 and 5 years, hinting that recent momentum has faded compared with its longer term record and may reflect changing views on its growth prospects and risk profile.

    If this kind of uneven performance has you looking around the market, it could be a useful moment to broaden your search with fast growing stocks with high insider ownership.

    With Credit Acceptance trading around US$472 and recent returns softer than its longer term record, the key question is whether the stock still offers value or if the market is already pricing in future growth.

    Most Popular Narrative: 3.1% Overvalued

    With Credit Acceptance last closing at US$472.03 against a narrative fair value of US$458, the current price sits slightly above that framework and sets the scene for a closer look at the assumptions behind it.

    The analysts have a consensus price target of $467.5 for Credit Acceptance based on their expectations of its future earnings growth, profit margins and other risk factors.

    In order for you to agree with the analyst's consensus, you'd need to believe that by 2028, revenues will be $4.5 billion, earnings will come to $504.0 million, and it would be trading on a PE ratio of 11.3x, assuming you use a discount rate of 10.5%.

    Read the complete narrative.

    Analysts are tying a much larger revenue base, a reset in profit margins, and a lower future P/E together. Curious how those moving parts support today’s fair value story?

    Result: Fair Value of $458 (OVERVALUED)

    Have a read of the narrative in full and understand what's behind the forecasts.

    However, you still need to weigh the pressure from weaker recent loan vintages and tougher competition in subprime auto, as either factor could challenge this fair value story.

    Find out about the key risks to this Credit Acceptance narrative.

    Build Your Own Credit Acceptance Narrative

    If you look at these numbers and reach a different conclusion, or simply prefer to test your own assumptions, you can build a custom narrative in just a few minutes with Do it your way.

    A great starting point for your Credit Acceptance research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision.

    Looking for more investment ideas?

    If Credit Acceptance does not quite fit what you are looking for, do not stop here. Widen your lens and let data driven stock ideas come to you.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.