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Credit Acceptance Corporation

CACC | US

447.79

USD

-46.21

-9.35%

CACC | US

About Credit Acceptance Corporation

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

13/03/2026

Close

447.79

Open

500.29

High

500.29

Low

444.01

Credit Acceptance Corporation engages in the provision of financing programs and related products and services to independent and franchised automobile dealers in the United States. The company 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. 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 incorporated in 1972 and is headquartered in Southfield Michigan.

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CACC | US

Risk
47.1
Sharpe
-0.26
Luna's Score
27/100
Recommendation
Sell

Luna says (CACC | US)

What's Working
What's not Working

Negative Momentum (Declining Price)

Weakness based on declining price with high volume

Price Below SMA10D

High Short-term Volatility

Midcap (2B - 10B USD)

High Market Beta (> 0.8)

High Debt to Equity (> 0.75)

High Debt to Asset (> 0.45)

Weak Operating Margin (< 10%)

Declining Revenue (< 0%)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

10 days

56.1%

1 month

47.1%

3 months

43.3%

6 months

45.0%

Returns

Fundamental Ratios

PE

33.78

Fwd. PE

10.58

Price to book

3.70

Debt to equity

3.82

Debt to assets

0.72

Ent. to EBITDA

42.98

Ent. to rev.

5.87

PEG

1.15

Other Fundamentals

EBITDA

-

MarketCap

5.42B

MarketCap(USD)

5.42B

Div. yield

-

Op. margin

-27.94

Erngs. growth

-33.20

Rev. growth

-31.30

Ret. on equity

11.00

Short ratio

10.75

Short perc.

11.58

Market Sentiment (SMA and Price signals)

Short-term: Bearish (SMA10D < SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bearish (SMA6M < SMA12M)

SMAs: Stock Price Trends

Range10D

74.99

Range1M

74.99

Range3M

87.30

Volumes: Market Activity

Rel. volume

1.14

Price X volume

136.68M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
SLM CorporationSLMBPCredit Services74.954.89B-0.07%34.68236.64%
Nelnet IncNNICredit Services129.844.71B-0.10%27.00290.45%
SLM CorporationSLMCredit Services19.744.29B-3.14%7.16236.64%
BFHBFHCredit Services71.533.55B-0.18%5.23149.97%
Enova International IncENVACredit Services134.113.54B-0.96%14.47280.66%
The Western Union CompanyWUCredit Services9.533.22B-2.06%7.27597.96%
Provident Financial Services IncPFSCredit Services20.362.66B-0.20%20.12109.02%
Upstart Holdings Inc.UPSTCredit Services26.362.36B2.33%n/a180.80%
360 Finance IncQFINCredit Services13.842.16B-0.36%7.910.00%
Lufax Holding LtdLUCredit Services2.251.96B0.90%n/a58.30%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Dolby Laboratories IncDLBMedia - Diversified60.55.77B-3.83%34.320.00%
FBINFBINBuilding Products & Equipment43.165.36B-0.25%25.57130.24%
Thor Industries IncTHORecreational Vehicles82.344.36B0.00%23.4427.88%
Cinemark Holdings IncCNKMedia - Diversified25.783.16B0.98%27.93934.91%
LCI IndustriesLCIIRecreational Vehicles123.353.14B0.96%25.8277.66%
VeriFone Systems IncPAYBuilding Products & Equipment24.393.04B1.12%102.462.10%
Polaris Industries IncPIIRecreational Vehicles50.432.81B-1.75%14.48170.51%
Harley-Davidson IncHOGRecreational Vehicles17.632.32B-1.89%7.33218.58%
IMAX CorporationIMAXMedia - Diversified38.12.01B-0.55%54.26110.44%
HNI CorporationHNIBuilding Products & Equipment40.51.91B0.10%22.1276.47%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA42.98-Expensive
Ent. to Revenue5.87-Cheaper
PE Ratio33.7818.44Expensive
Price to Book3.703.87Par
Dividend Yield---
Std. Deviation (3M)43.26-Par
Debt to Equity3.826.69Cheaper
Debt to Assets0.720.42Expensive
Market Cap5.42B-Emerging
  • 1

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