Credit Acceptance Corp (CACC)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$604.72+0.52%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
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 2026-09-04.
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 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
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.
Deliver adjusted net income per diluted share in line with or above guidance for fiscal year 2026.
Accelerate technology investments including AI-enabled tools to enhance underwriting, servicing, and dealer experience for scalable and efficient operations.
Stated in 3 of last 3 quarters including 2026-Q1 and 2026-Q2. AI-enabled call-center agent usage increased from 27% in March 2026 to 67% in June 2026, and digital credit application dealer usage grew 30% in 2026-Q1. Management's focus on technology and AI investments is supported by these operational improvements, indicating delivery.
“We continue to make meaningful progress in our digital-first, AI-enabled strategy.”
Expand and actively engage dealer network to increase loan assignments and support dealer success through improved tools and programs.
Stated in 2 of last 2 quarters. Active dealers increased slightly from 10,977 in 2026-Q1 to 11,004 in 2026-Q2, with over 1,400 new dealers enrolled each quarter. Management's emphasis on dealer network growth is supported by these enrollment and active dealer metrics, indicating ongoing progress.
“Enrolled 1,456 new dealers with a record 11,004 active dealers during the quarter.”
Continue disciplined capital allocation with focus on securitizations and managing financing costs to support liquidity and shareholder value.
Stated in multiple disclosures including August 2026. Completed a $600 million asset-backed financing in August 2026, matching the largest ABS transaction in company history, and maintained $1.8 billion in borrowing capacity and cash. This reflects ongoing disciplined capital allocation and liquidity management, consistent with management's stated priorities.
Maintain disciplined risk-based pricing and underwriting to maximize economic profit and manage portfolio risk.
Over the trailing year it converted 11.54x 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=6844).
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 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.
“We continue to make tangible progress executing our product roadmap, including AI-enabled call-center agent expansion.”
“Enrolled 1,526 new dealers with a record 10,977 active dealers during the quarter.”