CACC stock sentiment todayCredit Acceptance Corp
Sentiment verdict
Gossip first, financials second — NEUTRAL at 72% confidence.
Last updated · cached analysis, refreshes periodically
CACC
Credit Acceptance CorpA high-margin subprime leader facing significant regulatory headwinds and a tightening credit cycle.
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See exactly how analyst targets, gossip sentiment and momentum are weighted into this 6-month forecast.
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Price · last 12 months
Gossip
Market sentiment is currently weighed down by persistent legal challenges and concerns over the health of the lower-income consumer. While short sellers frequently target the stock due to its aggressive collection practices, loyal bulls point to the company's historically high ROE and unique dealer-partnership model.
- ·CFPB and State AG litigation regarding predatory lending allegations
- ·Impact of inflation on subprime borrower repayment capacity
- ·Resilience of used car pricing supporting collateral values
Financial
CACC maintains industry-leading operating margins and a robust balance sheet characterized by long-term asset-backed securitizations. While loan provisions have ticked up, their unique 'dealer holdback' model provides a significant capital cushion that most competitors lack.
- ·P/E Ratio: ~15-17x (Historical mid-range)
- ·Operating Margins: Consistently above 40%
- ·Return on Equity: Historically exceeding 20%
Conviction
Whose money is actually in the stock — insider open-market trades and the patience of the institutional holder base.
Hollow — insiders are stepping back and the register is short-horizon.
- ·Insiders sold a net $8.1M on the open market in the last 120 days.
Pro shows every named insider trade in the window (buyer, title, size, price, and whether it was a pre-scheduled 10b5-1 sale) plus the full holder register split into patient capital and fast money.
Unlock with Pro →Source: SEC EDGAR Form 4 + 13F holder register. Option exercises, grants, gifts and tax withholding are excluded — only open-market purchases and sales count. Not financial advice.
Risks
- ·Regulatory crackdowns on 'buy here pay here' interest rate caps
- ·Increasing delinquency rates across the subprime auto sector
- ·Cost of funds increasing due to higher interest rate environment
Peer temperature
How direct competitors stack up against CACC right now.
- HOTALLYAlly Financial Inc.
HOTTER — offers a more diversified deposit-funded banking model and a much lower P/E ratio (~9x) with a substantial dividend yield.
See full analysis → - NEUTRALSCSantander Consumer USA
NEUTRAL — similar subprime exposure but benefits from the backing of a massive global parent bank, though with lower margins than CACC.
See full analysis → - HOTCPRTCopart, Inc.
HOTTER — while in the salvage space, it captures the same used-car tailwinds without the balance sheet credit risk or regulatory scrutiny of subprime lending.
See full analysis →
- CACC+2.1%
- ALLY-2.3%
- SC—
- CPRT+16.6%
Analyst price target
Consensus average of 2 analysts · median 600.00
Source: StockAnalysis.com · updated 2026-08-05
AI-generated analysis for informational purposes only. Not financial advice.