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Credit Acceptance Corporation

CACC | US

459.44

USD

14.89

3.35%

CACC | US
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About Credit Acceptance Corporation

Sector

Financial Services

Industry

Credit Services

Earnings date

30/06/2024

As of date

17/03/2026

Close

459.44

Open

451.79

High

470.50

Low

451.79

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
-0.22
Luna's Score
33/100
Recommendation
Sell

Luna says (CACC | US)

What's Working
What's not Working

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

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10 days

57.0%

1 month

47.1%

3 months

43.6%

6 months

42.4%

Returns

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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

5.56B

MarketCap(USD)

5.56B

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

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Range10D

79.72

Range1M

79.72

Range3M

87.30

Volumes: Market Activity

Volume Averages

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Rel. volume

0.80

Price X volume

97.93M

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
OneMain Holdings IncOMFCredit Services50.426.04B2.35%9.80655.60%
SLM CorporationSLMBPCredit Services74.5654.87B-1.00%34.68236.64%
Nelnet IncNNICredit Services128.044.64B-0.38%27.00290.45%
SLM CorporationSLMCredit Services19.844.31B-0.90%7.16236.64%
Enova International IncENVACredit Services137.213.62B2.33%14.47280.66%
BFHBFHCredit Services71.943.57B2.89%5.23149.97%
The Western Union CompanyWUCredit Services9.253.12B-0.05%7.27597.96%
Provident Financial Services IncPFSCredit Services20.342.65B-0.15%20.12109.02%
Upstart Holdings Inc.UPSTCredit Services27.832.49B0.14%n/a180.80%
360 Finance IncQFINCredit Services14.432.25B3.59%7.910.00%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Dolby Laboratories IncDLBMedia - Diversified61.55.86B0.51%34.320.00%
FBINFBINBuilding Products & Equipment42.795.31B-2.64%25.57130.24%
Thor Industries IncTHORecreational Vehicles81.24.30B-2.86%23.4427.88%
Cinemark Holdings IncCNKMedia - Diversified26.763.27B1.40%27.93934.91%
LCI IndustriesLCIIRecreational Vehicles123.743.15B-1.18%25.8277.66%
VeriFone Systems IncPAYBuilding Products & Equipment25.093.12B2.12%102.462.10%
Polaris Industries IncPIIRecreational Vehicles53.452.98B2.79%14.48170.51%
Harley-Davidson IncHOGRecreational Vehicles17.512.30B-1.74%7.33218.58%
IMAX CorporationIMAXMedia - Diversified39.052.06B-0.36%54.26110.44%
Pitney Bowes IncPBIBuilding Products & Equipment10.371.86B0.39%n/a-571.93%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA42.9813.23Expensive
Ent. to Revenue5.8711.29Cheaper
PE Ratio33.7818.44Expensive
Price to Book3.703.87Par
Dividend Yield-4.90-
Std. Deviation (3M)43.6345.36Par
Debt to Equity3.826.69Cheaper
Debt to Assets0.720.42Expensive
Market Cap5.56B23.69BEmerging
  • 1

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