Credit Acceptance Corporation (CACC)Financial Services | Credit Services | Southfield, United States | NasdaqGS
626.13 USD
+0.16
(0.026%)
⇧
(July 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | July 11, 2026, 5:05 a.m. EDT
The immediate outlook is driven by aggressive speculative positioning. The options chain reveals a distinct lack of hedging; traders are buying deep calls and holding them for months, betting on a sustained rally away from current levels. This aligns with the recent price action, which has seen the stock surge past its 52-week highs, fueled by strong Q1 earnings and robust revenue growth. However, the long-term picture remains mixed due to the company's precarious capital structure. While the business generates impressive margins and returns on equity, the debt-to-equity ratio is dangerously high at 423%, indicating significant leverage risk. Furthermore, the stock has recently corrected from its peak, showing a single year of negative performance, which tempers the enthusiasm despite the strong underlying operational metrics. For now, the momentum is clearly upward, but the high leverage warrants caution. |
| Model | MAE |
|---|---|
| MSTL_79 ✓ | 0.109320 |
| MSTL_79_115 | 0.122185 |
| MSTL | 0.123217 |
| AutoETS | 0.130406 |
| AutoTheta | 0.130711 |
| MSTL_115 | 0.141523 |
| AutoARIMA | 0.145310 |
Forecast horizon: 60 days | Selected: MSTL_79
| Forecast Reliability | |
|---|---|
| Score | 35% |
| H-stat | 13.34 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.014 |
| Excess Kurtosis | -0.22 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 423.261 |
| Revenue per Share | 114.785 |
| Market Cap | 6,549,364,224 |
| Trailing P/E | 15.60 |
| Forward P/E | 11.42 |
| Beta | 1.37 |
| Profit Margins | 35.54% |
| Website | https://www.creditacceptance.com |
As of July 11, 2026, 5:05 a.m. EDT: Speculators are overwhelmingly bullish on the immediate horizon, evidenced by massive open interest in deep-in-the-money calls (strikes 460-550) expiring in August and November, while put activity is negligible and concentrated far out-of-the-money. This asymmetry suggests a strong expectation of continued appreciation rather than downside protection.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.21731949 |
| Address1 | 25,505 West Twelve Mile Road |
| All Time High | 703.27 |
| All Time Low | 2.333333 |
| Ask | 634.98 |
| Ask Size | 4 |
| Audit Risk | 6 |
| Average Analyst Rating | 3.0 - Hold |
| Average Daily Volume10 Day | 160,150 |
| Average Daily Volume3 Month | 169,301 |
| Average Volume | 169,301 |
| Average Volume10Days | 160,150 |
| Beta | 1.365 |
| Bid | 647.68 |
| Bid Size | 1 |
| Board Risk | 5 |
| Book Value | 145.264 |
| City | Southfield |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 626.13 |
| Current Ratio | 3.872 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 639.74 |
| Day Low | 621.63 |
| Debt To Equity | 423.261 |
| Display Name | Credit Acceptance |
| Earnings Call Timestamp End | 1,778,014,800 |
| Earnings Call Timestamp Start | 1,778,014,800 |
| Earnings Growth | 0.432 |
| Earnings Quarterly Growth | 0.278 |
| Earnings Timestamp | 1,778,011,200 |
| Earnings Timestamp End | 1,785,441,600 |
| Earnings Timestamp Start | 1,785,441,600 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 10.137 |
| Enterprise Value | 12,932,263,936 |
| Eps Current Year | 47.34333 |
| Eps Forward | 54.82333 |
| Eps Trailing Twelve Months | 40.13 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 568.202 |
| Fifty Day Average Change | 57.92798 |
| Fifty Day Average Change Percent | 0.10194962 |
| Fifty Two Week Change Percent | 21.731949 |
| Fifty Two Week High | 668.86 |
| Fifty Two Week High Change | -42.72998 |
| Fifty Two Week High Change Percent | -0.063884795 |
| Fifty Two Week Low | 401.9 |
| Fifty Two Week Low Change | 224.23001 |
| Fifty Two Week Low Change Percent | 0.55792487 |
| Fifty Two Week Range | 401.9 - 668.86 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 707,751,000,000 |
| Float Shares | 6,013,809 |
| Forward Eps | 54.82333 |
| Forward P E | 11.420868 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,314 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.94403 |
| Gross Profits | 1,204,300,032 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.52592 |
| Held Percent Institutions | 0.68511003 |
| Implied Shares Outstanding | 10,460,071 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 787,968,000 |
| Last Split Factor | 2:1 |
| Long Business Summary | Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan. |
| Long Name | Credit Acceptance Corporation |
| Market | us_market |
| Market Cap | 6,549,364,224 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_318561 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 453,400,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 6,547,690,643 |
| Number Of Analyst Opinions | 3 |
| Open | 625.0 |
| Operating Cashflow | 1,055,200,000 |
| Operating Margins | 0.52711 |
| Overall Risk | 8 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.77 |
| Phone | 248 353 2700 |
| Previous Close | 625.97 |
| Price Eps Current Year | 13.225306 |
| Price Hint | 2 |
| Price To Book | 4.31029 |
| Price To Sales Trailing12 Months | 5.133938 |
| Profit Margins | 0.35541 |
| Quick Ratio | 3.634 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | hold |
| Recommendation Mean | 3.0 |
| Region | US |
| Regular Market Change | 0.160034 |
| Regular Market Change Percent | 0.0255658 |
| Regular Market Day High | 639.74 |
| Regular Market Day Low | 621.63 |
| Regular Market Day Range | 621.63 - 639.74 |
| Regular Market Open | 625.0 |
| Regular Market Previous Close | 625.97 |
| Regular Market Price | 626.13 |
| Regular Market Time | 1,783,972,801 |
| Regular Market Volume | 91,028 |
| Return On Assets | 0.05051 |
| Return On Equity | 0.28118 |
| Revenue Growth | 0.127 |
| Revenue Per Share | 114.785 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 4 |
| Shares Outstanding | 10,460,071 |
| Shares Percent Shares Out | 0.1162 |
| Shares Short | 1,215,690 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 883,974 |
| Short Name | Credit Acceptance Corporation |
| Short Percent Of Float | 0.34669998 |
| Short Ratio | 5.91 |
| Source Interval | 15 |
| State | MI |
| Symbol | CACC |
| Target High Price | 660.0 |
| Target Low Price | 575.0 |
| Target Mean Price | 628.3333 |
| Target Median Price | 650.0 |
| Total Cash | 25,700,000 |
| Total Cash Per Share | 2.457 |
| Total Debt | 6,408,600,064 |
| Total Revenue | 1,275,699,968 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 40.13 |
| Trailing P E | 15.602541 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 494.72226 |
| Two Hundred Day Average Change | 131.40775 |
| Two Hundred Day Average Change Percent | 0.26561922 |
| Type Disp | Equity |
| Volume | 91,028 |
| Website | https://www.creditacceptance.com |
| Zip | 48,034-8339 |