Credit Acceptance Corp (CACC) Shares Gap Down to $487.98 on Feb 19
Shares of Credit Acceptance Corp (CACC) gapped down to $487.98 on February 19, a 3.47% drop from its previous close. Wall Street analysts have an average one-year price target of $466.67, with a "Hold" recommendation, while GuruFocus estimates the fair value (GF Value) at $639.28, suggesting a significant upside.
Credit Acceptance Stock Jumps on Earnings Beat: Bubble or Bargain?
Credit Acceptance Corp (CACC) stock surged after an earnings beat, surprising Wall Street despite a challenging auto lending environment. The article explores whether CACC is a contrarian buy or a value trap, considering rising credit risk, regulatory pressures, and its sensitivity to the US labor market and consumer health. It advises investors to closely monitor credit quality, legal scrutiny, and the broader macro backdrop before investing in this high-risk, high-reward stock.
CREDIT ACCEPTANCE CORP SEC 10-K Report
Credit Acceptance Corporation has released its annual Form 10-K report, showcasing robust financial performance with significant increases in total revenue and net income for the year. The report details strategic initiatives such as capital structure adjustments and share repurchases, while also outlining challenges including economic, operational, regulatory, and technological risks.
Jay Martin Sells 4,340 Shares of Credit Acceptance (NASDAQ:CACC) Stock
Credit Acceptance CFO Jay Martin sold 4,340 shares of CACC stock worth $2.224 million on February 9th, reducing his stake by 14.32%. The company recently reported better-than-expected EPS but missed revenue targets. Despite this, CACC stock trades above analyst targets, exhibiting strong institutional ownership, and holds a "Moderate Buy" consensus rating.
Kenneth Booth Sells 2,000 Shares of Credit Acceptance (NASDAQ:CACC) Stock
Director Kenneth Booth sold 2,000 shares of Credit Acceptance (NASDAQ:CACC) stock for over $1 million, reducing his stake by 8.05%. The company recently reported better-than-expected EPS but missed revenue forecasts, with its stock currently trading around $510.71 and holding a "Moderate Buy" consensus rating from analysts.
BETTER THAN NOTHING: Willfulness Allegations Tossed Against Credit Acceptance Corp in TCPA Class Action Although Other Motions Denied
In a recent TCPA class action, Carr v. Credit Acceptance Corp., Credit Acceptance Corp. (CAC) achieved a partial victory as a court dismissed willfulness allegations against it. While CAC's motions to dismiss other claims and strike the class were largely denied, the removal of the willfulness aspect significantly reduces its potential exposure in the case by two-thirds. This illustrates a "better than nothing" success for a TCPA defendant, despite the complexities that willfulness allegations can introduce for class certification.
Ally Financial Gains 13.7% in 6 Months: Should You Buy the Stock Now?
Ally Financial's shares have gained 13.7% in the past six months, outperforming the industry and S&P 500, driven by solid U.S. GDP growth and strategic restructuring efforts. While the company benefits from strong revenue growth, robust liquidity, and capital distribution actions, it faces challenges from weakening asset quality, elevated expenses, and pressure on net interest margin. Analysts are cautiously optimistic, with the stock trading at a discount compared to peers, suggesting it's a "Hold" for long-term investors.
Allianz Asset Management GmbH Purchases 5,107 Shares of Credit Acceptance Corporation $CACC
Allianz Asset Management GmbH increased its stake in Credit Acceptance Corporation (CACC) by 21.3%, purchasing an additional 5,107 shares and now owning 29,095 shares valued at $13.585 million. This comes as insider Wendy A. Rummler sold over 5,000 shares, reducing her position by 20.13%. Credit Acceptance recently reported strong quarterly EPS of $11.35, surpassing estimates, though revenue was slightly below expectations.
Kenneth Booth Sells 3,220 Shares of Credit Acceptance Corp (CACC)
Kenneth Booth, a Director at Credit Acceptance Corp (CACC), sold 3,220 shares of the company on February 6, 2026. Following this sale, he now owns 24,831.9 shares. The article notes that CACC is considered modestly undervalued with a price-to-GF-Value ratio of 0.84, despite its P/E ratio being higher than the industry median and its historical median.
RINGING UP TROUBLE: Auto Lender’s Voicemail Opens the Door to TCPA Class Claims
In Carr v. Credit Acceptance Corp., an auto lender's motion to dismiss TCPA class action claims was partially denied, with the prerecorded voice claim surviving but the willful-and-knowing claim being dismissed. The court found that the plaintiff's allegations of receiving a prerecorded voicemail, intended for a different person and asking for payment, were sufficient to proceed with the primary TCPA violation. However, the claim for treble damages due to a willful or knowing violation was dismissed because the plaintiff failed to show the defendant had actual prior knowledge of non-consent or provide specific details about alleged subsequent calls.
RINGING UP TROUBLE: Auto Lender’s Voicemail Opens the Door to TCPA Class Claims
A federal court in Michigan partially granted and denied a motion to dismiss in a TCPA class action against Credit Acceptance Corp. The court allowed the prerecorded voice claim and class allegations to proceed but dismissed the claim for treble damages due to a lack of specific pleading regarding the defendant's "actual knowledge" of non-consent. This case highlights the relatively low bar for pleading a prerecorded voice claim and the specific requirements for alleging willful violations and defining class actions in the Sixth Circuit.
Credit Acceptance (NASDAQ:CACC) Sees Large Volume Increase - Should You Buy?
Credit Acceptance (NASDAQ:CACC) recently experienced a significant 22% increase in trading volume, with the stock falling by 2.9%. Despite missing revenue estimates, the company's Q1 EPS beat expectations, and it maintains strong profitability. Analysts have given the stock a "Moderate Buy" consensus rating with a $470 target, while institutional ownership is high.
Credit Acceptance's Q4 Earnings Call: Our Top 5 Analyst Questions
Credit Acceptance's Q4 2025 earnings surpassed revenue and profit expectations, driven by improved dealer relationships and AI investments. While revenue missed estimates, adjusted EPS beat significantly. CEO Vinayak Hegde outlined a digital-first approach and conservative lending, addressing analyst concerns on credit risk, loan loss provisions, and market share declines.
Zacks Research Upgrades Credit Acceptance (NASDAQ:CACC) to "Strong-Buy"
Zacks Research has upgraded Credit Acceptance (NASDAQ:CACC) from a "hold" to a "strong-buy" rating. This upgrade follows the company's recent earnings report where it beat EPS estimates but missed revenue consensus. The article also details recent insider selling by Wendy A. Rummler and significant institutional ownership in the company.
Y Intercept Hong Kong Ltd Sells 7,667 Shares of Credit Acceptance Corporation $CACC
Y Intercept Hong Kong Ltd significantly reduced its stake in Credit Acceptance Corporation by 84.9% in Q3, selling 7,667 shares and retaining 1,361 shares valued at approximately $635,000. This follows an insider sale where Wendy A. Rummler sold 5,236 shares, equating to a 20.13% reduction in her position. Despite mixed quarterly results with EPS beating estimates but revenue falling short, Credit Acceptance currently holds a consensus "Hold" rating with a target price of $470.00.
Wendy Rummler Sells 5,236 Shares of Credit Acceptance (NASDAQ:CACC) Stock
Wendy Rummler, an insider at Credit Acceptance (NASDAQ:CACC), sold 5,236 shares of the company's stock on January 30th for a total of $2,583,651.84. This transaction reduced her direct ownership in the company by 20.13%. Following the sale, she directly owns 20,772 shares valued at over $10 million.
Giverny Capital Asset Management Sold Credit Acceptance Corporation (CACC) Amid Competitive Challenges
Giverny Capital Asset Management, LLC sold its stake in Credit Acceptance Corporation (CACC) during the fourth quarter of 2025, citing increased competition in the deep subprime lending space and technological disadvantages. The firm's portfolio underperformed the S&P 500, attributing this to an underweighting in large technology stocks and a market focus on AI investments. Despite CACC's financial performance, Giverny chose to exit, awaiting improvements from technology upgrades, and noted the impending retirement of CACC's CEO.
Giverny Capital Asset Management Sold Credit Acceptance Corporation (CACC) Amid Competitive Challenges
Giverny Capital Asset Management, LLC disclosed in its Q4 2025 investor letter that it sold its shares of Credit Acceptance Corporation (CACC). The firm cited increasing competition in the deep subprime lending space and CACC's lagging technology and underwriting skills as reasons for exiting the investment. Giverny Capital also noted that CEO Ken Booth announced his retirement after their decision to sell the stock.
CACC Q4 Deep Dive: Technology Initiatives and Product Expansion Target Dealer Engagement
Credit Acceptance Corporation (CACC) reported better-than-expected Q4 CY2025 results, with revenue up 46.3% year-on-year to $579.9 million and adjusted EPS beating estimates by 15.2%. The company attributes its success to expanding dealer relationships, launching new contract origination experiences for dealers, and increased investment in artificial intelligence for operational efficiency. Management plans to drive future growth through deeper dealer partnerships, enhanced digital tools, and disciplined credit underwriting, while monitoring market share in the competitive subprime auto lending segment.
Credit Acceptance Corp.’s originations fall 9.1%
Credit Acceptance Corp. (CAC) saw a 9.1% decline in consumer loan originations in the fourth quarter of 2025, with unit volume falling to 71,731 and active dealers decreasing by 2.8%. The company is focusing on growth with franchise and large independent dealers while investing in AI to improve its operations. New CEO Hegde's priorities include leveraging AI and adopting a data-driven approach.
CACC: TD Cowen Raises Price Target to $470, Maintains Hold Ratin
TD Cowen has raised its price target for Credit Acceptance (CACC) to $470 from $460, while maintaining a Hold rating on the stock. This adjustment indicates a cautiously optimistic outlook despite a previous decrease in the price target in October 2025. Credit Acceptance is a consumer finance company specializing in automobile loans, and the average target price from Wall Street analysts is $465.50, suggesting a slight downside from its current trading price.
Credit Acceptance stock jumps 8% after earnings beat — loan collections back in focus
Credit Acceptance (NASDAQ:CACC) stock jumped 8.2% after reporting strong fourth-quarter results, with adjusted EPS beating forecasts despite a noted decline in anticipated loan collections. The company repurchased over $190 million in shares but cautioned about weaker loan trends and reduced its collections outlook. Investors are now focusing on how new loan volumes and repayment behaviors will develop in 2026.
Credit Acceptance Corp. (NASDAQ:CACC) Reports Mixed Q4 2025 Results
Credit Acceptance Corp. (NASDAQ:CACC) released mixed Q4 2025 results, with diluted EPS of $11.35 surpassing estimates but revenue of $579.9 million falling short. The company reported a decline in loan volumes and an increase in legal expenses, leading to a neutral market reaction despite exceeding earnings expectations. Key challenges include softer credit performance in recent loan vintages and ongoing legal costs, while the company focuses on product initiatives and capital returns to shareholders.
Credit Acceptance Corp (CACC) Trading 6.43% Higher on Jan 30
Credit Acceptance Corp (CACC) saw its shares surge by 6.43% to $479.33 on January 30, trading 14.41% below its 52-week high and 19.27% above its 52-week low. Wall Street analysts have an average "Hold" recommendation with a target price of $465.50, implying a slight downside. However, GuruFocus estimates a GF Value of $643.77, suggesting a potential upside of over 34%.
Credit Acceptance Corporation (NASDAQ:CACC) Q4 2025 Earnings Call Transcript
Credit Acceptance Corporation (CACC) reported its Q4 2025 earnings, with EPS of $11.35, beating expectations of $10.3. The call introduced new CEO Vinayak Hegde, who outlined strategic priorities focusing on dealer and consumer demand, empowering dealers through enhanced systems, and leveraging AI for servicing and processing. The company saw a moderate decline in loan performance and unit volume but noted improvements in sequential loan volumes and a stable approach to lending and capital allocation.
CREDIT ACCEPTANCE ($CACC) Releases Q4 2025 Earnings
CREDIT ACCEPTANCE ($CACC) announced its Q4 2025 earnings, reporting $11.35 per share, surpassing analyst estimates. Despite beating earnings expectations, the company's revenue of $579.9 million fell short of projections. Insider trading activity for CACC shows significant sales by officers, while institutional investors show mixed activity with some large increases and decreases in holdings.
Credit Acceptance (NASDAQ:CACC) Reports Upbeat Q4 CY2025
Credit Acceptance (NASDAQ:CACC) reported strong Q4 CY2025 results, exceeding market revenue expectations with a 46.3% year-on-year sales increase to $579.9 million. The company's non-GAAP profit per share of $11.35 also beat analyst estimates by 15.2%. Despite past tepid revenue growth, recent performance indicates accelerated demand for its auto financing solutions.
Earnings call transcript: Credit Acceptance beats Q4 2025 EPS forecast
Credit Acceptance Corporation (CACC) reported Q4 2025 earnings, exceeding EPS forecasts with $11.35 against an anticipated $10.01, but narrowly missing revenue estimates at $579.9 million. Despite the earnings beat, the stock declined 3.1% in after-hours trading due to the revenue miss and ongoing subprime market challenges. CEO Vinayak Hegde outlined a long-term, conservative lending strategy focusing on technology, data-driven decisions, and customer experience enhancements to navigate competitive market conditions and drive sustainable growth.
Credit Acceptance (CACC) Reports Lower Than Expected Q4 Revenue
Credit Acceptance (CACC) reported Q4 2025 revenues of $579.9 million, falling slightly below expectations, despite the CEO expressing satisfaction with financial growth amid reduced loan volumes and weaker loan performance. The company, specializing in automobile loans, faces challenges including declining gross and operating margins, high debt, and insider selling, yet its valuation metrics suggest potential undervaluation. Investors are advised to consider these mixed signals, balancing potential opportunities against financial risks and market volatility.
Credit Acceptance Announces Fourth Quarter 2025 Results
Credit Acceptance Corporation (CACC) announced consolidated net income of $122.0 million, or $10.99 per diluted share, for Q4 2025, with adjusted net income at $126.0 million, or $11.35 per diluted share. Despite declines in loan volumes and performance, the company achieved sequential growth in financial results, attributing strength to its business model and ongoing efforts like digital credit applications and improved consumer self-service. The GAAP net income decreased by 19.7% compared to Q4 2024, primarily due to increased operating expenses, including a significant contingent loss related to legal matters, and a rise in credit loss provisions.
Credit Acceptance: Q4 Earnings Snapshot
Credit Acceptance Corp. (CACC) reported a fourth-quarter profit of $122 million, or $10.99 per share, with adjusted earnings of $11.35 per share. The auto financing company recorded $579.9 million in revenue for the quarter and $2.32 billion for the full year. Despite a nearly 2% increase in shares since the start of the year, the stock saw a 14% decrease over the last 12 months.
What to Expect from Credit Acceptance's Earnings
Credit Acceptance (NASDAQ: CACC) is scheduled to release its quarterly earnings report on Thursday, January 29, 2026, with analysts estimating an EPS of $10.03. The company's past performance shows that while it has beaten EPS estimates, its stock price has often dropped post-announcement, making guidance crucial for future stock movement. Compared to peers, Credit Acceptance has lower revenue growth and gross profit but a higher Return on Equity, while facing challenges in debt management and asset utilization.
What To Expect From Credit Acceptance's (CACC) Q4 Earnings
Credit Acceptance (CACC) is projected to announce its Q4 earnings soon, with analysts expecting a revenue increase of 17.2% year-on-year to $464.5 million and adjusted earnings of $9.85 per share. The company missed revenue expectations in the previous quarter. Analysts have largely reconfirmed their estimates, suggesting they anticipate stable performance.
Credit Acceptance Corp (CACC) Shares Gap Down to $437.65 on Jan 27
Shares of Credit Acceptance Corp (CACC) fell by 3.38% to $437.65 on January 27, 2026, placing the stock 21.85% below its 52-week high. Wall Street analysts maintain a "Hold" rating with an average target price of $465.50, suggesting a potential upside of 6.36%. GuruFocus estimates a significantly higher fair value of $643.77, implying a 47.1% upside from the current price.
Two Credit Acceptance (NASDAQ: CACC) chiefs retire, remain as advisors
Credit Acceptance Corporation announced that its Chief Analytics Officer, Arthur L. Smith, and Chief Sales Officer, Daniel A. Ulatowski, will retire as officers and employees on February 1, 2026. Both executives will continue in advisory roles until July 31, 2026, receiving monthly consulting fees of $66,758.01 and $64,166.67, respectively, contingent on signing general releases of claims. Their outstanding stock options will remain exercisable through December 30, 2026, as their retirements qualify under the company's incentive plan.
Universal Beteiligungs und Servicegesellschaft mbH Purchases 3,400 Shares of Credit Acceptance Corporation $CACC
Universal Beteiligungs und Servicegesellschaft mbH increased its stake in Credit Acceptance Corporation (NASDAQ:CACC) by 16.9% in the third quarter, acquiring an additional 3,400 shares and bringing its total holdings to 23,575 shares valued at $11.01 million. Other institutional investors have also adjusted their positions in CACC. The company reported quarterly earnings of $10.28 per share, exceeding analyst expectations, and maintains a "Hold" consensus rating from analysts with an average price target of $480.00.
Credit Acceptance Announces Timing of Fourth Quarter 2025 Earnings Release and Webcast
Credit Acceptance Corporation (CACC) announced that it expects to release its fourth quarter 2025 earnings on Thursday, January 29, 2026, after market close. A webcast to discuss these earnings is scheduled for the same day at 5:00 p.m. Eastern Time. The company provides innovative financing solutions for automobile purchases, enabling consumers with varying credit histories to buy vehicles.
Credit Acceptance Announces Timing of Fourth Quarter 2025 Earnings Release and Webcast
Credit Acceptance Corporation (Nasdaq: CACC) announced its plans to release fourth-quarter 2025 earnings on Thursday, January 29, 2026, after market close. A webcast will follow at 5:00 p.m. Eastern Time to discuss these earnings. The company provides innovative financing solutions for automobile dealers, enabling car purchases for consumers regardless of credit history, and helps consumers improve their credit scores by reporting to national agencies.
Credit Acceptance (CACC) to Release Earnings on Thursday
Credit Acceptance (NASDAQ: CACC) is scheduled to release its Q4 2025 earnings before market open on Thursday, January 29th. Analysts anticipate diluted earnings of $10.30 per share and revenue of $582.63 million for the quarter. The company, which specializes in subprime auto lending, is also expected to host an earnings call on Friday, January 30, 2026, at 7:00 AM ET.
Credit Acceptance Signs Amendments To Term ABS 2021-1 With Fifth Third Bank
Credit Acceptance has amended its Term ABS 2021-1 facility with Fifth Third Bank to extend the revolving period and reduce borrowing costs. The cease-to-revolve date has been moved from February 17, 2026, to January 18, 2028, and the interest margin lowered from SOFR plus 220 basis points to SOFR plus 140 basis points, enhancing liquidity and reducing interest expenses. The $100 million facility remains otherwise unchanged.
Assessing Credit Acceptance (CACC) Valuation As Long-Term Gains Cool And Fair Value Signals Diverge
This article analyzes Credit Acceptance (CACC) valuation, noting that long-term gains have cooled despite recent positive share price returns over one month and year-to-date. While a popular narrative suggests a modest overvaluation with a fair value of US$458, a Discounted Cash Flow (DCF) model indicates a heavy premium, suggesting the stock might be significantly overvalued at US$472.03. Investors are encouraged to consider market pricing, future growth expectations, and potential risks like weakness in loan vintages and competitive pressures.
3 Reasons to Avoid CACC and 1 Stock to Buy Instead
This article advises investors to avoid Credit Acceptance Corp (CACC) due to disappointing long-term revenue growth, stalled EPS growth, and a high debt-to-equity ratio that raises red flags for a financials business. Despite a recent share price drop, the stock's forward P/E valuation suggests optimism is still priced in, leading the author to recommend exploring other high-quality stock opportunities, such as their top digital advertising picks.
Vaping tech firm Ispire moves earnings call to 8 a.m. ET Sept. 26
Credit Acceptance (NASDAQ: CACC) announced an amendment to its $100.0 million asset-backed financing, extending the revolve stop date from February 17, 2026, to January 18, 2028, and reducing the borrowing spread from SOFR + 220 bps to SOFR + 140 bps. The article also provides details for an upcoming earnings call for Ispire Technology, including the date, time, and dial-in information. While the article briefly covers Credit Acceptance's operational history and the positive impact of financing news on its stock, it clearly states that the Ispire earnings call logistics do not directly relate to CACC's fundamentals.
Credit Acceptance Announces Extension of $100.0 Million Asset-Backed Financing
Credit Acceptance Corporation has announced the extension of its $100.0 million asset-backed non-recourse secured financing (Term ABS 2021-1). The revolving period for the financing has been extended from February 17, 2026, to January 18, 2028, and the interest rate has been decreased from SOFR plus 220 basis points to SOFR plus 140 basis points. The Company provides innovative financing solutions for automobile dealers, enabling them to sell vehicles to consumers with varying credit histories, while also offering consumers an opportunity to improve their credit scores.
TD Cowen Upgrades Credit Acceptance (NASDAQ:CACC) to Hold
TD Cowen has upgraded Credit Acceptance (NASDAQ:CACC) from a "sell" to a "hold" rating, setting a price target of $460.00, which suggests a minor downside from its current trading price. The credit services provider recently reported better-than-expected EPS but missed revenue forecasts, with its stock currently trading around $460.58. Institutional ownership in CACC is significant, at about 81.71%, following notable increases in stakes by several firms.
Credit Acceptance Corporation - Common Stock (Nasdaq:CACC) Stock Quote
This page provides a detailed stock quote for Credit Acceptance Corporation (CACC) on Nasdaq, including current price, historical data, and recent news. It highlights financial performance, upcoming earnings, and various recognitions the company has received, alongside market insights and frequently asked questions about its public trading status.
Consumer Finance Stocks Q3 Highlights: Credit Acceptance (NASDAQ:CACC)
This article reviews Q3 performance for various consumer finance stocks, highlighting Credit Acceptance (NASDAQ:CACC) which reported revenue growth despite missing analyst estimates. It also covers strong performances from Nelnet (NYSE:NNI), OneMain (NYSE:OMF), and Sezzle (NASDAQ:SEZL), while Atlanticus Holdings (NASDAQ:ATLC) had a softer quarter despite revenue exceeding expectations. The report emphasizes the overall strong Q3 for the consumer finance sector, with most companies beating revenue estimates.
Ascent Group LLC Reduces Holdings in Credit Acceptance Corporation $CACC
Ascent Group LLC significantly reduced its stake in Credit Acceptance Corporation (NASDAQ:CACC) by 76.3% in Q3, selling 6,278 shares and leaving them with 1,946 shares valued at approximately $909,000. Despite Credit Acceptance reporting better-than-expected Q3 EPS of $10.28, its revenue of $405.1 million missed expectations. Analysts maintain a cautious outlook, with a consensus "Reduce" rating and an average target price of $465, while TD Cowen reiterated a "sell" rating and lowered its target price to $430.
Credit Acceptance Corporation $CACC Shares Sold by Hyperion Capital Advisors LP
Hyperion Capital Advisors LP reduced its stake in Credit Acceptance Corporation ($CACC) by 24.5% during Q2, selling 6,129 shares and leaving them with 18,927 shares valued at $9.64 million, making it their 7th largest position. The company reported EPS of $10.28, beating estimates, but revenue of $405.1 million fell short of expectations. Insiders own 6.60% of the stock, while institutional investors hold 81.71%, with CEO Kenneth Booth recently selling 4,000 shares.
Beck Mack & Oliver LLC Lowers Holdings in Credit Acceptance Corporation $CACC
Beck Mack & Oliver LLC reduced its holdings in Credit Acceptance Corporation by 4.7% in the second quarter, selling 18,589 shares and retaining 376,383 shares valued at approximately $191.7 million. Credit Acceptance reported better-than-expected EPS but missed revenue forecasts, with analysts maintaining a "Reduce" rating and an average target price of $465.00 for the stock. The company's market cap is $5.21 billion, and its stock trades around $472.
