US · CACC
Credit Acceptance Corporation
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Southfield, MI 48034-8339
- Website
- creditacceptance.com
Price · as of 2025-12-31
$504.84
Market cap 5.22B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $803.08 | +59.08% |
| Intrinsic Value(DCF) | $518.43 | +2.69% |
| Graham-Dodd Method(GD) | $328.85 | -34.86% |
| Graham Formula(GF) | $625.87 | +23.97% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $98.16 | $116.50 | $0.02 | $56.27 | $186.65 |
| 2012 | $125.57 | $168.24 | $0.00 | $67.71 | $204.28 |
| 2013 | $145.95 | $179.55 | $0.00 | $84.51 | $204.02 |
| 2014 | $188.06 | $282.15 | $0.00 | $91.35 | $170.46 |
| 2015 | $203.27 | $278.52 | $0.00 | $116.15 | $308.74 |
| 2016 | $197.47 | $315.47 | $0.00 | $139.57 | $402.38 |
| 2017 | $339.58 | $438.78 | $0.00 | $199.35 | $537.46 |
| 2018 | $440.80 | $515.44 | $0.00 | $249.97 | $680.44 |
| 2019 | $422.34 | $574.40 | $0.00 | $298.19 | $800.23 |
| 2020 | $384.59 | $500.02 | $0.00 | $246.79 | $475.78 |
| 2021 | $470.31 | $793.46 | $0.00 | $411.27 | $1,122.59 |
| 2022 | $416.51 | $632.21 | $142.72 | $317.24 | $260.71 |
| 2023 | $556.51 | $701.73 | $80.22 | $245.82 | $247.18 |
| 2024 | $493.91 | $754.39 | $76.68 | $242.56 | $425.25 |
| 2025 | $482.15 | $803.08 | $693.81 | $328.85 | $625.87 |
AI valuation
Our deep-learning model estimates Credit Acceptance Corporation's (CACC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $803.08
- Current price
- $504.84
- AI upside
- +59.08%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$518.43
+2.69% upside
Graham-Dodd
$328.85
-34.86% upside
Graham Formula
$625.87
+23.97% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CACC | Credit Acceptance Corpora… | $504.84 | 5.22B | +59% | +3% | -35% | +24% | 12.60 | 3.51 | 2.31 | 10.58 | 14.18 | 3.51 | 98.75% | 47.63% | 18.29% | 25.90% | 11.32% | 4.38% | 4.17 | 2.38 | 0.26 | 0.26 | 5.54 | 8888.00% | 857.00% | -731.00% | 19.71% | 0.48 | 14.41% | 0.00% | 0.00% | 0.00% | 10.13 | 10.62 | 4.83 | 0.98 |
| ABCB | Ameris Bancorp | $77.66 | 5.31B | -37% | -9% | -19% | -22% | 13.17 | 1.33 | 3.26 | 11.47 | 84.41 | 1.81 | 68.31% | 32.05% | 24.75% | 10.53% | 13.62% | 1.53% | 0.17 | 1.17 | 0.17 | 0.00 | 1.30 | 1561.00% | 200.00% | 3303.00% | 3.45% | 0.03 | 6.19% | 1.02% | 13.40% | 1.02% | 11.47 | 32.70 | 3.68 | 0.14 |
| AVAL | Grupo Aval Acciones y Val… | $4.09 | 4.88B | +41% | -38% | -51% | -76% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| HOMB | Home Bancshares, Inc. | $27.46 | 5.4B | +20% | +11% | -2% | -74% | 11.59 | 1.28 | 4.01 | 5.40 | 58.25 | 1.92 | 77.30% | 43.75% | 34.59% | 11.51% | 20.51% | 2.10% | 0.22 | 1.47 | — | — | 0.43 | 1990.00% | -535.00% | -2225.00% | 5.95% | — | 14.16% | 0.00% | 0.00% | 1.98% | 5.55 | 10.17 | 2.43 | 0.63 |
| JSM | Navient Corporation SR NT… | $19.37 | 5.31B | +82% | +72% | -44% | -60% | -23.76 | 0.79 | 0.61 | 1623.40 | — | 0.97 | 95.21% | 81.66% | -2.57% | -3.17% | 7.45% | -0.16% | 2.11 | 0.98 | 0.41 | 0.41 | 989.67 | -16833.00% | -1840.00% | -392.00% | 23.20% | 0.09 | 1.80% | 3.31% | -78.70% | 2086.42% | 1.92 | 11.04 | 1.57 | 0.32 |
| MAIN | Main Street Capital Corpo… | $56.80 | 5.09B | -10% | -59% | -5% | — | -94.34 | 1.72 | 7.99 | 14.54 | — | 1.72 | 100.00% | 80.71% | 58.89% | -1.88% | 9.63% | -1.01% | 0.82 | — | — | — | 4.64 | -564.00% | -1106.00% | -4754.00% | -0.89% | — | -0.89% | 0.07% | -7.00% | 0.27% | 14.54 | -165.51 | 11.74 | 1.71 |
| NNI | Nelnet, Inc. | $129.46 | 4.64B | +156% | -47% | -11% | +68% | 11.17 | 1.30 | 2.11 | 467.85 | 24.27 | 1.37 | 87.04% | 50.58% | 11.76% | 12.18% | 8.97% | 3.08% | 2.12 | 2.19 | 2666.66 | 2666.66 | 242.71 | 4602.00% | 2256.00% | -11219.00% | -1.64% | -16.50 | -0.81% | 0.90% | 10.00% | 64.15% | 8.68 | -127.05 | 4.39 | 2.49 |
| RJF | Raymond James Financial, … | $153.08 | 30.23B | -35% | +33% | -50% | +9% | 15.38 | 2.63 | 2.06 | 4.02 | 248.68 | 3.08 | 88.16% | 28.66% | 13.42% | 17.66% | -150.25% | 2.49% | 0.36 | 2.47 | 0.32 | 0.35 | -1.44 | 619.00% | 794.00% | 1518.00% | 6.84% | 0.04 | -94.05% | 1.27% | 19.50% | 5.12% | 4.19 | 8.51 | 1.20 | 0.22 |
| SLM | SLM Corporation | $18.74 | 3.71B | +111% | -4% | — | +133% | 5.27 | 1.60 | 1.26 | 5.79 | 18.12 | 1.64 | 53.11% | 31.92% | 23.95% | 32.31% | 18.20% | 2.49% | 2.39 | 0.88 | 8.08 | 11.91 | 1.84 | 2910.00% | 410.00% | -27472.00% | 14.65% | 1.15 | 14.06% | 17.82% | 94.00% | 27.21% | 5.81 | 10.01 | 1.85 | 0.67 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
| VIRT | Virtu Financial, Inc. | $41.41 | 3.53B | +226% | +17% | — | +341% | 1.49 | 1.85 | 1.00 | 2.50 | 2.05 | 5.44 | 47.97% | 33.80% | 12.89% | 150.99% | 26.26% | 13.72% | 2.02 | 8.81 | 0.00 | 0.40 | -0.20 | 7273.00% | 2625.00% | -483.00% | 14.24% | 0.03 | 13.30% | 13.97% | 20.90% | 154.39% | 2.74 | 6.50 | 0.93 | -0.43 |
About Credit Acceptance Corporation
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.
- CEO
- Vinayak R.
- Employees
- 2.43K
- Beta
- 1.28
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($518.43 ÷ $504.84) − 1 = +2.69% (DCF, example).