Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CACC

Credit Acceptance Corp Financials Personal Credit Institutions Russell 3000
$464.89Close $5.0BMarket cap $411.04 – $657.2052-week range Jan 28, 2027Next report · estimated

Highlights

Cautions

  • Not in an uptrend 3 of 8 trend conditions
  • Lagging the market RS 26 · weaker than 74% of stocks over 12 months
  • Far from its high 29% below its 52-week high
  • Earnings shrinking EPS −158% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 29, 2026
Off 12-month high 29%
1wk down 14.7% price change
1mo down 12.5% price change
12-month return up 3% market up 11% · its own down 10%
F-score — — Not assessed
Altman Z — Unknown
P/E 11712884.7× price / earnings
PEG 141,102.95 P/E / EPS growth
P/B 3.3× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 7% year on year
EPS growth down 158% latest quarter · -228 pts
Sales growth up 2% latest quarter · +1 pts
ROE 0% return on equity
Free cash margin —
D/E 4.19 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 5.3% $24.44 a day · 2×ATR $416.01
RS 26 / 99 vs the universe
Trend 3 / 8 trend template
Relative volume 3.7× vs 50-day average
Up/down volume 0.67 50 sessions
Implied move — no scheduled report
Trend template · 3 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: passes
  • Price above the 50-day average: fails
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 29, 2026
Last shock Oct 30, 2026-19% in one session3.5× volumeon results0% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $2.3B +7% on FY2024
$0 $2.5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.7B FY2021 · $1.9B FY2022 · $1.8B FY2023 · $1.9B FY2024 · $2.2B FY2025 · $2.3B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $424 +71% on FY2024
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $421.0M FY2021 · $958 FY2022 · $536 FY2023 · $286 FY2024 · $248 FY2025 · $424
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 0%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 25% FY2021 · Net 0% FY2022 · Net 0% FY2023 · Net 0% FY2024 · Net 0% FY2025 · Net 0%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $16.0M · Long-term debt $4.6B FY2021 · Cash $23.3M · Long-term debt $4.6B FY2022 · Cash $7.7M · Long-term debt $4.6B FY2023 · Cash $13.2M · Long-term debt $5.1B FY2024 · Cash $343.7M · Long-term debt $6.4B FY2025 · Cash $22.8M · Long-term debt $6.4B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 10.68m -37.5% since FY2020
17.09m 10.68m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 17.09m FY2021 · 14.15m FY2022 · 12.76m FY2023 · 12.52m FY2024 · 12.05m FY2025 · 10.68m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.7B $1.9B $1.8B $1.9B $2.2B $2.3B
Net income $421.0M $958 $536 $286 $248 $424
Net margin 25% 0% 0% 0% 0% 0%
Earnings per share $23.47 $0.00 $0.00 $0.00 $0.00 $0.00
Cash $16.0M $23.3M $7.7M $13.2M $343.7M $22.8M
Long-term debt $4.6B $4.6B $4.6B $5.1B $6.4B $6.4B
Shareholders' equity $2.3B $1.8B $1.6B $1.8B $1.7B $1.5B
Shares outstanding 17.09m 14.15m 12.76m 12.52m 12.05m 10.68m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 29, 2026 Quarterly ↗ Sep 30, 2026 29d
Aug 4, 2026 Quarterly ↗ Jun 30, 2026 35d
May 5, 2026 Quarterly ↗ Mar 31, 2026 35d
Feb 13, 2026 Annual ↗ Dec 31, 2025 44d
Oct 30, 2025 Quarterly ↗ Sep 30, 2025 30d
Jul 31, 2025 Quarterly ↗ Jun 30, 2025 31d
Apr 30, 2025 Quarterly ↗ Mar 31, 2025 30d
Feb 12, 2025 Annual ↗ Dec 31, 2024 43d
Oct 30, 2024 Quarterly ↗ Sep 30, 2024 30d
Jul 31, 2024 Quarterly ↗ Jun 30, 2024 31d
Apr 30, 2024 Quarterly ↗ Mar 31, 2024 30d
Feb 12, 2024 Annual ↗ Dec 31, 2023 43d

Current reports

FiledDisclosed
Oct 29, 2026 Results ↗
Sep 21, 2026 Material agreement · New obligation · Other events ↗
Sep 18, 2026 Material agreement · Regulation FD ↗
Sep 4, 2026 Director or officer change ↗
Aug 25, 2026 Material agreement · New obligation · Other events ↗
Aug 4, 2026 Results ↗
Jul 24, 2026 Director or officer change ↗
Jul 22, 2026 Director or officer change ↗
Jun 15, 2026 Material agreement · New obligation · Other events ↗
Jun 10, 2026 Director or officer change · Regulation FD ↗
Jun 10, 2026 Shareholder vote ↗
May 11, 2026 Material agreement · New obligation · Other events ↗