Credit Acceptance Corp
Research Credit Acceptance Corp (CACC) on Bullrun: valuation model: 5.2% undervalued, market cap USD 6.27B, P/E 13.3. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCACC
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal5.2% undervalued
- Market capUSD 6.27B
- P/E13.3
- Financial periodQ2 2026
- RevenueUSD 582.20M
- Net incomeUSD 135.90M
- Free cash flowUSD 307.90M
- Gross margin65.0%
Valuation Snapshot
Bullrun's latest valuation model marks Credit Acceptance Corp as 5.2% undervalued; latest market cap is USD 6.27B; P/E is 13.3.
Peer valuation comparison
Latest P/E is 13.29x versus a Financial Services sector median of 13.84x (4.0% below).
Latest P/E is 13.29x versus a United States median of 24.87x (46.6% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 2.32B | USD 424 | USD 1.05B | 61.1% | 36.38 | USD 22.80M | USD 6.35B | USD 1.52B |
| FY2024 | USD 2.16B | USD 248 | USD 1.14B | 61.6% | 19.88 | USD 343.70M | USD 6.35B | USD 1.75B |
| FY2023 | USD 1.90B | USD 286 | USD 1.20B | n/a | 21.99 | USD 13.20M | USD 5.07B | USD 1.75B |
| FY2022 | USD 1.83B | USD 536 | USD 1.24B | n/a | 39.32 | USD 7.70M | USD 4.63B | USD 1.62B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 6.27B | 13.3 | n/a | n/a |
| 2025 | 2025-12-31 | USD 4.74B | 12.1 | n/a | n/a |
| 2024 | 2024-12-31 | USD 5.66B | 23.6 | n/a | n/a |
| 2023 | 2023-12-29 | USD 6.69B | 21.9 | n/a | n/a |
| 2022 | 2022-12-30 | USD 6.13B | 10.8 | n/a | n/a |
| 2021 | 2021-12-31 | USD 9.73B | 11.6 | n/a | n/a |
About Credit Acceptance Corp
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company.
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Frequently asked questions
Is Credit Acceptance Corp overvalued or undervalued?
Bullrun's valuation model currently marks Credit Acceptance Corp as 5.2% undervalued.
What is Credit Acceptance Corp's market cap?
Credit Acceptance Corp's market capitalization is USD 6.27B.
What is Credit Acceptance Corp's P/E ratio?
Credit Acceptance Corp's price-to-earnings (P/E) ratio is 13.3.
What does Credit Acceptance Corp do?
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers.