Credit Acceptance (CACC) Stock
Major subprime auto lender for independent dealers. Here's the price, business snapshot, and what's worth knowing about Credit Acceptance in October 2026.
Credit Acceptance Corporation (CACC) is a US-listed specialty finance company that primarily finances used-car purchases for buyers with challenged or subprime credit through a network of independent dealers. With a market capitalisation around $5.6 billion, the firm generates revenue from interest income, fees and ancillary finance activities tied to its receivables. Investors should know the business mixes higher-yielding loan economics with greater credit and collection risk: returns can be attractive in benign credit cycles but are sensitive to unemployment, interest rates and vehicle market conditions. The company’s underwriting approach, dealer relationships and portfolio performance are key monitoring points. Regulatory and legal developments, as well as shifts in used-car values, can materially affect earnings. This summary is educational and not personalised financial advice; outcomes vary and capital is at risk.
Credit Acceptance (CACC) Stock Forecast
Analyst price target, next 12 months
$553.67
+5.0% vs today's $527.50
Price range over the last 12 months
In the middle of its 12-month range
Analysts covering Credit Acceptance have a consensus 12-month target of $553.67, above the current price of $527.50.
Analyst targets are opinions, not guarantees. Capital at risk. Data as of 5 Oct 2026.
Source: Analyst sentiment is provided by Refinitiv Ltd, a global leader in financial market data with over 40k business clients. Refinitiv Ltd is an independent third party to Nemo. This is not advice.
Sixth Month Growth Performance
Stock Performance Snapshot
Analyst Rating
Analysts suggest keeping CREDIT ACCEPTANCE stock as it may rise slightly in value.
Financial Health
CREDIT ACCEPTANCE CORPORATION is performing well, with strong revenue and cash flow generation.
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Why You’ll Want to Watch This Stock
Subprime auto niche
Specialising in higher-yield used-car loans, CACC occupies a distinct niche that can offer above-average returns — though credit losses tend to be higher and more cyclical.
Earnings sensitivity
Earnings react quickly to unemployment, interest rates and used-car values, so monitor charge-off trends and portfolio performance; past returns don’t guarantee future results.
Regulatory and legal watch
Regulatory scrutiny or litigation can alter costs and capital needs. Investors should factor regulatory risk and reputation into any view of the company.
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