Credit Acceptance Corp (CACC)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$522.58+4.79%
Close 2026-11-05 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · CACC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -27.1% |
| Our one-year growth estimate | diamond | -1.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 25.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
CACC — litigation filed
Dated 2026-09-18
Entry into a Material Definitive Agreement. On September 17, 2026, Credit Acceptance Corporation (the “Company”, “Credit Acceptance”, “we”, “our” or “us”) entered into separate consent judgments (collectively, the “Agreements”) with the office of the attorney general (the “attorney general”) of 40 states (Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Nebra…
Why it matters: The company says the settlements need no new charge beyond past accruals. A later added charge would raise the cost of the legal matter.
Worry ifA filing or earnings release records a new charge tied to the settled claims.
Less concerning ifThe next results report no added charge tied to the settled claims.
Why it matters: The Q3 forecast fell 2.5%, far more than in prior quarters. Another large cut would signal more loan losses than the company had planned.
Worry ifIn the next quarterly results, forecasted net cash flows fall by 1% or more again.
Less concerning ifIn the next quarterly results, forecasted net cash flows fall by less than 0.5% or rise.
Why it matters: More calls handled by the AI agent may lower service costs. The last reported share was 67% in June.
Supportive ifThe next reported AI-agent call share is above 67%, and the company reports lower service costs.
Worry ifThe next reported AI-agent call share is 67% or lower, or the company reports no cost savings.
Why it matters: Recent loan groups already collect less than first forecast. Further cuts could weaken future cash from those loans.
Worry ifThe next results show a lower collection forecast for any 2022–2026 loan group than its Q3 2026 rate.
Less concerning ifThe next results show no lower forecast for 2022–2026 loan groups, and at least one group improves.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$105 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $361 loss on $10,000 · 3.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,926 loss on $10,000 · 29.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Q3 loan volume rose sharply as the dealer network grew. Continued growth would show that the sales gains are lasting.
Supportive ifQ4 Consumer Loan units rise at least 10% year over year, with active dealers above 12,093.
Worry ifQ4 Consumer Loan units fall year over year, or active dealers drop below the Q3 count of 12,093.