Credit Acceptance Corp (CACC)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$522.58+4.79%
Close 2026-11-05 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · CACC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks CACC against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Preserve pricing and underwriting discipline while growing profitably and managing portfolio risk.
• Reduced friction for dealers: Continued integration improvement with the aggregator platforms and enhanced the deal optimization tool, which reduced friction for dealers who use Dealertrack, RouteO…
Stated in 3 of 3 supplied quarters. Management reported: “• Reduced friction for dealers: Continued integration improvement with the aggregator platforms and enhanced the deal optimization tool, which reduced friction for dealers who use Dealertrack, RouteOne, and DealerCenter, and resulted in higher volume with franchise and large independent dealers.” ““From record active dealers to increased adoption of our digital tools, these initiatives are designed to help dealers operate more efficiently while enabling us to scale our underwriting and servicing capabilities in a disciplined way.”” Revenue was $594.600 million in 2026-Q3.
• Made continued progress executing our product roadmap, including the following initiatives, which contributed to increased volume growth: • Scorecard update: Launched a new scorecard that uses refr…
Stated in 3 of 3 supplied quarters. Management reported: “• AI-enabled call-center agent: 67% of inbound customer service and account solutions calls were routed to the AI agent in June, up from 27% in March, driving improved efficiency, enabling faster 24/7 customer self-service, and reducing cost-to-serve at scale.” “• Made continued progress executing our product roadmap, including the following initiatives, which contributed to increased volume growth: • Scorecard update: Launched a new scorecard that uses refreshed and additional data attributes to enhance our risk-assessment capabilities by credit profile, dealer, vehicle, and deal structure.”
Allocate capital with discipline, including share repurchases, liquidity management and financing the loan portfolio.
Deliver adjusted net income per diluted share in line with or above guidance for fiscal year 2026.
Over the trailing year it converted 3.20x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
36 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.
“• Reduced friction for dealers: Continued integration improvement with the aggregator platforms and enhanced the deal optimization tool, which reduced friction for dealers who use Dealertrack, RouteO…”
““From enhancing the dealer experience through improved deal structuring and workflow tools to scaling AI-enabled servicing capabilities, we are using data and technology to create a more personalized…”
““From record active dealers to increased adoption of our digital tools, these initiatives are designed to help dealers operate more efficiently while enabling us to scale our underwriting and servici…”
“• Made continued progress executing our product roadmap, including the following initiatives, which contributed to increased volume growth: • Scorecard update: Launched a new scorecard that uses refr…”
“• AI-enabled call-center agent: 67% of inbound customer service and account solutions calls were routed to the AI agent in June, up from 27% in March, driving improved efficiency, enabling faster 24/…”
““We continue to make tangible progress executing our product roadmap, ” said Mr. Hegde.”