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Provides indirect subprime auto loans by advancing money to dealers who then finance credit-challenged car buyers.
Provides indirect subprime auto loans by advancing money to dealers who then finance credit-challenged car buyers.
Pays dealers an up-front advance on each loan they originate and keeps the loan, collecting from the buyer; the dealer gets the rest only after Credit Acceptance has recovered its advance plus a fee, which shares the credit risk. Income is the interest on those loans, so credit losses and funding costs matter most. Funding comes from bank lines and securitisations, loans bundled and sold as bonds.
Moat: narrow (process know-how, data, scale). Decades of proprietary subprime credit-scoring data and a unique dealer-advance model.
Headquarters: Southfield, Michigan, US · Founded: 1972 · Employees: 2,314
Size Credit Acceptance (CACC) is a United States Financials company (Finance/Rental/Leasing) with a market value of $5.37B, the 1135th largest of 3,117 United States companies the cockpit tracks. Shares closed at $529.56 on 6 Nov 2026.
Performance Over six months the shares fell 0.7%, against -9.3% for the median peer and -1.1% for the United States market (cap-weighted) — 8th highest of 21 in its peer set.
Growth Revenue grew 1.7% over the last twelve months (peer median +12.4%); the operating margin is 38.4% (peer median 32.9%).
Valuation It trades at 3.86× book value against a peer median of 1.90× (most expensive of 20).
Price implies The share price implies a return on equity of about 38.2%; Credit Acceptance delivers 22.7%, so the price asks more than the business earns today.
Short interest Short interest is 9.7% of the free float (15 Oct 2026).
Next results Next results expected around 1 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.34B | $2.32B | $2.16B | $1.90B | $1.83B |
| Revenue growth | — | +7% | +14% | +4% | — |
| Gross profit | n/a | n/a | $2.13B | $1.88B | $1.81B |
| EBITDA | $925M | $1.13B | $1.62B | $1.40B | $1.39B |
| Net income | $337M | $424M | $248M | $286M | $536M |
| Free cash flow | $1.26B | $1.05B | $1.14B | $1.20B | $1.24B |
| Capital expenditure | $4.70M | $1.60M | $1.80M | $4.00M | $3.10M |
| Total debt | $6.72B | $6.36B | $6.35B | $5.07B | $4.59B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Credit Acceptance CACC | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% |
| Ally Financial ALLY | $11.5B | -14% | +5% | 10% | 0.88× | 9.8% |
| OneMain OMF | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CACC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.4% | +0.4% | 9th lowest of 21 |
| 6-month return | -0.7% | -9.3% | 8th highest of 21 |
| Return on equity | 22.7% | 12.4% | 3rd highest of 20 |
| Price / book | 3.86× | 1.90× | most expensive of 20 |
| Trailing P/E | 17.3× | 15.0× | 9th most expensive of 20 |
| ROE the price implies | 38.2% | 18.5% | 4th most demanding of 20 |
| ROE delivered | 22.7% | 12.4% | 3rd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Credit Acceptance CACC | United States | $5.37B | -1% | +2% | 23% | 3.86× | 38.2% | 22.7% |
| Element Fleet Management EFN.TO | Canada | $5.61B | -31% | +5% | 11% | 2.06× | 9.2% | 10.6% |
| Figure Technology Solutions FIGR | United States | $5.10B | -40% | +66% | 26% | 3.58× | 26.5% | 26.2% |
| Herc HRI | United States | $5.08B | +14% | +19% | 6% | 2.56× | 33.3% | 6.3% |
| Chailease 5871.TW | Taiwan | $5.74B | -10% | -4% | 12% | 0.97× | 3.8% | 11.5% |
| Sundaram Finance SUNDARMFIN.NS | India | $4.95B | -11% | +14% | 14% | 2.89× | 35.3% | 14.4% |
| SBI Cards & Payment Services SBICARD.NS | India | $5.89B | -10% | +6% | 16% | 3.24× | 40.7% | 16.3% |
| HDB Financial Services HDBFS.NS | India | $4.71B | -24% | +11% | 14% | 2.01× | 30.2% | 14.3% |
| Nelnet NNI | United States | $4.67B | +7% | -7% | 8% | 1.24× | 10.1% | 8.1% |
| OneMain OMF | United States | $6.42B | 0% | +6% | 23% | 1.90× | 18.5% | 22.7% |
| Bohai Leasing 000415.SZ | China | $4.44B | +2% | -7% | 18% | 0.90× | 6.3% | 17.8% |
| Poonawalla Fincorp POONAWALLA.NS | India | $4.42B | +4% | +77% | 9% | 3.02× | 47.4% | 9.2% |
| ACOM 8572.T | Japan | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% | 9.3% |
| Blue Owl Technology Finance OTF | United States | $4.36B | -13% | +95% | 5% | 0.58× | 4.9% | 4.8% |
| Jiangsu Financial Leasing 600901.SS | China | $6.66B | +12% | +14% | 13% | 1.67× | 5.9% | 13.5% |
| Enova International ENVA | United States | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% | 26.8% |
| Avis Budget CAR | United States | $4.20B | -18% | -1% | n/a | n/a | n/a | n/a |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |
| Bajaj Housing Finance BAJAJHFL.NS | India | $7.05B | -9% | +17% | 12% | 2.77× | 41.1% | 12.4% |
| BOC Aviation 2588.HK | Hong Kong | $7.09B | -3% | -2% | 12% | 1.01× | 6.2% | 11.8% |
| Piramal Finance PIRAMALFIN.NS | India | $7.17B | +13% | +71% | 7% | 1.58× | 13.0% | 6.5% |