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
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 | -9.8% |
| Our one-year growth estimate | diamond | -1.3% |
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 2026-09-04.
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 8.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 37 industry peers
CACC — officer change
Dated 2026-09-04
CFO — Jay D. Martin: The filing confirms the formal separation of the former Chief Financial Officer, representing the loss of a senior executive from the company's leadership team.
Why it matters: Meeting or exceeding the EPS guidance shows strong earnings performance. This supports management's growth strategy.
Supportive ifQ2 adjusted net income per diluted share is $10.71 or higher.
Worry ifQ2 adjusted net income per diluted share falls below $10.71.
Why it matters: Changes in collection rates affect profits and risk for new loans.
Watch forExpected collection rates for 2026 loans rise above 67.1%.
Also watch forExpected collection rates for 2026 loans drop below 67.1%.
Why it matters: A drop in cash from operations may mean money problems. This impacts how money is spent and growth plans.
Worry ifCash from operations is over $300 million.
Less concerning ifCash from operations is under $300 million.
Why it matters: The new CFO will change the financial plan. This will affect how investors feel.
Watch forThe earnings report shows better financial numbers than before.
Also watch forThe earnings report shows worse financial numbers than before.
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 | ±$125 on $10,000 · ±1.3% | How much price usually moves either way. |
| Bad day | $399 loss on $10,000 · 4.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,171 loss on $10,000 · 21.7% | 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: Cash flow changes show how well the company runs its business.
Supportive ifCash from operations is over $346.8 million.
Worry ifCash from operations falls or stays below $346.8 million.
Why it matters: Meeting EPS guidance shows strong financial health and can boost investor confidence.
Supportive ifQ3 EPS meets or exceeds management's guidance.
Worry ifQ3 EPS falls short of management's guidance.
Why it matters: A drop below 15% signals a slowdown in the financial sector's growth phase.
Worry ifQ2 revenue growth reported below 15% year over year.
Less concerning ifQ2 revenue growth remains above 15% year over year.
Why it matters: The CTO leaving may impact tech projects like AI and digital tools. This affects how well the company operates.
Worry ifNew tech projects keep moving forward without delays.
Less concerning ifTech projects face delays after the CTO leaves.
Why it matters: A big drop in unit volume shows weak demand. This could hurt profits.
Worry ifQ3 Consumer Loan assignment unit volume down more than 5% year over year.
Less concerning ifConsumer Loan unit volume stays steady or grows each year.
Why it matters: Using AI in customer service can make work faster and cut costs.
Supportive ifAI call center agents handle over 75% of incoming calls.
Worry ifAI-enabled call center agent usage drops back below 60% of inbound calls.
Why it matters: Changes in collection rates show how healthy the loan portfolio is. This affects profits.
Watch forCollection rates for 2026 Consumer Loans are expected to rise above 68%.
Also watch forCollection rates for 2026 Consumer Loans are expected to drop below 66%.