Credit Acceptance stock | 2026 forecast, price target & growth

Credit Acceptance

NasdaqGS:CACC

$ 419,49

$-23,36 (-5,27%)

419,49 $

$-23,36 (-5,27%)

End-of-day quote: 03/27/2026

Credit Acceptance Stock Value

The analyst rating for NasdaqGS:CACC is currently Hold.

Hold

Credit Acceptance Company Info

EPS Growth 5Y

2,05%

Market Cap

$4,51 B

Long-Term Debt

$5,10 B

Short Interest

13,55%

Quarterly earnings

04/30/2026 (E)

Dividend

$0,00

Dividend Yield

0,00%

Founded

1972

Industry

Financials

Country

United States

ISIN Number

US2253101016

Website

http://www.creditacceptance.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$470,00

12.04%

Last Update: 03/29/2026

Analysts: 3

Highest Price Target $475,00

Average Price Target $470,00

Lowest Price Target $455,00

In the last five quarters, Credit Acceptance’s Price Target has risen from $401,83 to $405,00 - a 0,79% increase. Two analysts predict that Credit Acceptance’s share price will increase in the coming year, reaching $470,00. This would represent an increase of 12,04%.

Top growth stocks in the financials sector (5Y.)

What does Credit Acceptance do?

Credit Acceptance Corporation (Credit Acceptance) provides financing solutions that enable automobile dealers to sell vehicles to consumers, regardless of their credit history. The company's financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for the compa...

Credit Acceptance Corporation (Credit Acceptance) provides financing solutions that enable automobile dealers to sell vehicles to consumers, regardless of their credit history.

The company's financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for the company's financing programs, but who actually end up qualifying for traditional financing.

Without the company's financing programs, consumers are often unable to purchase vehicles, or they purchase unreliable ones. The company collects retail installment contracts (referred to as Consumer Loans) originated by automobile dealerships;. The company refers to automobile dealers who participate in its programs and who share its commitment to changing consumers’ lives as Dealers. Upon enrollment in its financing programs, the Dealer enters into a Dealer servicing agreement with the company that defines the legal relationship between the company and the Dealer. The Dealer servicing agreement assigns the responsibilities for administering, servicing, and collecting the amounts due on Consumer Loans from the Dealers to the company.

The company is an indirect lender from a legal perspective, meaning the Consumer Loan is originated by the Dealer and assigned to it. The majority of the Consumer Loans assigned to the company is made to consumers with impaired or limited credit histories.

Principal Business

The company offers Dealers financing programs that enable them to sell vehicles to consumers, regardless of their credit history. The company has two programs: the Portfolio Program and the Purchase Program. Under the Portfolio Program, the company advances money to Dealers (referred to as a ‘Dealer Loan’) in exchange for the right to service the underlying Consumer Loans. Under the Purchase Program, the company buys the Consumer Loans from the Dealers (referred to as a ‘Purchased Loan’) and keeps all amounts collected from the consumer. Dealer Loans and Purchased Loans are collectively referred to as ‘Loans’.

Portfolio Program

As payment for the vehicle, the Dealer generally receives a down payment from the consumer; a cash advance from the company; and after the advance balance (cash advance and related Dealer Loan fees and costs) has been recovered by the company, the cash from payments made on the Consumer Loan, net of certain collection costs and its servicing fee (Dealer Holdback).

Purchase Program

The Purchase Program differs from the company’s Portfolio Program in that the Dealer receives a one-time payment from the company at the time of assignment to purchase the Consumer Loan instead of a cash advance at the time of assignment and future Dealer Holdback payments.

Revenue Sources

Credit Acceptance derives its revenues from the following principal sources:

Finance charges, which are consisted of: (1) interest income earned on Loans; (2) administrative fees earned from ancillary products; (3) program fees charged to Dealers under the Portfolio Program; (4) Consumer Loan assignment fees charged to Dealers; and (5) direct origination costs incurred on Dealer Loans;

Premiums earned on the reinsurance of vehicle service contracts; and

Other income, which primarily consists of ancillary product profit sharing, remarketing fees, and interest.

Sales and Marketing

The company's target market is approximately 60,000 independent and franchised automobile dealers in the United States. The company has market area managers located throughout the United States that market its programs to prospective Dealers, enroll new Dealers, and support active Dealers.

Once Dealers have enrolled in the company’s programs, the market area managers work closely with the newly enrolled Dealers to help them successfully launch the company’s programs within their dealerships. Market area managers also provide active Dealers with ongoing support and consulting focused on improving the Dealers’ success on the company’s programs, including assistance with increasing the volume and performance of Consumer Loan assignments.

Servicing

The company’s largest group of representatives services Consumer Loans that are in the early stages of delinquency. The company’s representatives work with consumers to attempt to develop a solution that will help them avoid becoming further past due and get them current where possible. The company utilizes a variety of methods to attempt to contact the consumer or to remind them of upcoming scheduled payments, including phone calls, email, text messaging, mail, and mobile notifications.

Representatives service Consumer Loans through the company’s servicing platform, which consists of the following two systems:

The collection system, which assigns Consumer Loans to representatives through a predictive dialer and records all collection activity, including details of past phone conversations with the consumer; collection letters sent; promises to pay; broken promises; payment history; repossession orders; and collection attorney activity.

The servicing system, which maintains a record of all transactions relating to Consumer Loan assignments and is a primary source of data utilized to determine the outstanding balance of the Consumer Loans; forecast future collections; analyze the profitability of its program; and evaluate its proprietary credit scoring system.

Ancillary Products

The company provides Dealers the ability to offer vehicle service contracts to consumers through its relationships with Third-Party Providers (‘TPPs’). A vehicle service contract provides the consumer protection by paying for the repair or replacement of certain components of the vehicle in the event of a mechanical failure. The company recognizes its fee as finance charges on a level-yield basis over the life of the related Loan. The company markets the vehicle service contracts directly to Dealers. The company’s agreement with one of its TPPs allows it to receive profit sharing payments depending on the performance of the vehicle service contracts.

The company’s wholly owned subsidiary VSC Re Company (VSC Re) engages in the business of reinsuring coverage under vehicle service contracts sold to consumers by Dealers on vehicles financed by the company. VSC Re reinsures vehicle service contracts that are offered through one of the company’s TPPs. VSC Re is a bankruptcy remote entity. As such, the company’s exposure to fund claims is limited to the trust assets controlled by VSC Re and its net investment in VSC Re.

The company provides Dealers the ability to offer Guaranteed Asset Protection (GAP) to consumers through its relationships with TPPs. GAP provides the consumer protection by paying the difference between the loan balance and the amount covered by the consumer’s insurance policy in the event of a total loss of the vehicle due to severe damage or theft. The retail price of GAP is included in the principal balance of the Consumer Loan. The company recognizes its fee as finance charges on a level-yield basis over the life of the related Loan. TPPs process claims on GAP contracts that are underwritten by third-party insurers. The company’s agreement with one of its TPPs allows it to receive profit sharing payments depending on the performance of the GAP contracts. Under its Purchase Program, the company provides Dealers that meet certain criteria the ability to offer vehicle service contracts and GAP to consumers through the Dealers’ relationships with TPPs.

Seasonality

The company's business is seasonal with peak Consumer Loan assignments and collections occurring during the first quarter of the year (for the year ended December 31, 2024). This seasonality has a material impact on the company's interim results, as it is required to recognize a significant provision for credit losses expense at the time of assignment.

Regulation

The company's business is subject to laws and regulations, including the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, prohibitions against unfair, deceptive, and abusive acts and practices, and various other state and federal laws and regulations. These laws and regulations, among other things, require licensing and qualification; limit interest rates, fees, and other charges associated with the Consumer Loans assigned to the company; require specified disclosures by Dealers to consumers; govern the sale and terms of ancillary products; and define the rights to repossess and sell collateral.

The company is subject to supervision by the Bureau of Consumer Financial Protection (the ‘Bureau’). The Bureau has rulemaking and enforcement authority over certain non-depository institutions, including the company. The Bureau is specifically authorized, among other things, to take actions to prevent companies providing consumer financial products or services and their service providers from engaging in unfair, deceptive, or abusive acts or practices in connection with consumer financial products and services, and to issue rules requiring enhanced disclosures or consumer access to information for consumer financial products or services. The Bureau also has authority to interpret, enforce, and issue regulations implementing enumerated consumer laws, including certain laws that apply to the company's business.

In addition to the Bureau, other state and federal agencies have the ability to regulate aspects of the company’s business. For example, the Dodd-Frank Wall Street Reform and Consumer Protection Act provides a mechanism for state attorneys general to investigate the company. In addition, the Federal Trade Commission has jurisdiction to investigate aspects of the company’s business.

History

Credit Acceptance Corporation was founded in 1972. The company was incorporated in 1972.

Credit Acceptance Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Main sector:** Automobile financing **Top 3 markets:** 1. USA: approx. 95% 2. Canada: approx. 3% 3. Other markets: approx. 2% Credit Acceptance Corporation generates the majority of its revenues from the automobile financing sector, particularly by providing loans for the purchase of used...

At which locations are the company’s products manufactured?

**Production:** No physical production Credit Acceptance Corporation (NasdaqGS:CACC) is a financial services company specializing in providing auto loans. The company does not produce physical products, but offers financial solutions and services. Therefore, there are no production facilities in th...

What strategy does Credit Acceptance pursue for future growth?

**Revenue Growth:** Estimated 8-10% annually (2025) **Profit Margin:** Stable at around 20% (2025) Credit Acceptance Corporation is pursuing a growth strategy based on expanding its dealer network and improving its credit underwriting models. The company is increasingly leveraging technology to enh...

Which raw materials are imported and from which countries?

**Current data on commodity imports:** Not specifically available for 2025. Credit Acceptance Corporation is a financial services company specializing in providing auto loans. As it is not a manufacturing company, it does not import physical commodities or materials. The business model of Credit A...

How strong is the company’s competitive advantage?

**Market share:** Approximately 5% in the subprime auto loan market (estimated for 2025) **Return on equity (ROE):** 28% (2024) **Net interest margin:** 7.5% (2024) Credit Acceptance Corporation has a significant competitive advantage in the subprime auto loan market, supported by its special...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approx. 70% (estimated for 2025 based on historical data) **Insider Buys/Sells:** No specific current data available, but historically regular transactions. The institutional investor share at Credit Acceptance Corporation typically stands at around 70%, indicatin...

What percentage market share does Credit Acceptance have?

**Market share of Credit Acceptance Corporation:** Estimated around 5-7% (2025) **Top competitors and their market shares:** 1. **Ally Financial Inc.:** around 15% 2. **Santander Consumer USA Holdings Inc.:** around 12% 3. **Capital One Financial Corporation:** around 10% 4. **Ford Motor Credit Com...

Is Credit Acceptance stock currently a good investment?

**Revenue Growth:** 8.5% (2024) **Profit Growth:** 10.2% (2024) **Return on Equity:** 28% (2024) Credit Acceptance Corporation achieved solid revenue growth of 8.5% in 2024, driven by strong demand for its financial services. The profit growth of 10.2% indicates that the company is operating effici...

Does Credit Acceptance pay a dividend – and how reliable is the payout?

**Dividend:** No dividend (as of 2023) Credit Acceptance Corporation traditionally does not pay a dividend to its shareholders. The company has focused on reinvesting profits into the growth and expansion of the business rather than distributing capital in the form of dividends. This strategy is t...

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Credit Acceptance Stock Value

Credit Acceptance Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Credit Acceptance do?

Credit Acceptance Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Credit Acceptance Stock Value

Credit Acceptance Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Credit Acceptance do?

Credit Acceptance Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.