- ISIN
- US2253101016
- CUSIP
- 225310101
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Jun 5, 1992
Highlights
- Market Cap
- $6.33B
- Enterprise Value
- $5.77B
- EPS (TTM)
- $40.03
- PE Ratio
- 14.43
- PEG Ratio
- 16.61
- Total Revenue (TTM)
- $2.31B
- Gross Profit (TTM)
- $1.28B
- EBITDA (TTM)
- $543.60M
- Year Range
- $401.90 - $588.71
- Target Price
- $540.00
- ROA (TTM)
- 5.21%
- ROE (TTM)
- 29.95%
Share Price Chart
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Performance
CACC Performance Chart
Credit Acceptance Corporation (CACC) is up 30.2% since the beginning of the year. At $578 per share, CACC is trading just below its 52-week high of $589. Investors who bought $1,000 worth of CACC shares 5 years ago would now be looking at an investment worth $1,313.
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Returns By Period
Credit Acceptance Corporation (CACC) has returned 30.23% so far this year and 14.99% over the past 12 months. Over the last ten years, CACC has returned 12.83% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.
Credit Acceptance Corporation
- 1D
- -0.38%
- 1M
- 6.01%
- YTD
- 30.23%
- 6M
- 24.51%
- 1Y
- 14.99%
- 3Y*
- 4.82%
- 5Y*
- 5.59%
- 10Y*
- 12.83%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
CACC Monthly Returns History
Based on dividend-adjusted daily data since Jun 5, 1992, CACC's average daily return is +0.12%, while the average monthly return is +2.18%. At this rate, an investment would double in approximately 2.7 years.
Historically, 57% of months were positive and 43% were negative. The best month was Apr 2003 with a return of +54.3%, while the worst month was Oct 1997 at -60.2%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 6 months.
On a daily basis, CACC closed higher 48% of trading days. The best single day was Oct 29, 1997 with a return of +75.0%, while the worst single day was Oct 28, 1997 at -49.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 12.35% | -5.03% | -10.51% | 19.23% | 13.61% | 0.68% | 30.23% | ||||||
| 2025 | 8.16% | -3.03% | 4.87% | -5.60% | -2.08% | 6.73% | -3.76% | 4.99% | -9.29% | -4.20% | 3.27% | -4.01% | -5.54% |
| 2024 | 1.57% | 2.32% | -0.37% | -6.86% | -4.46% | 4.86% | 11.70% | -18.85% | -4.95% | -4.15% | 17.11% | -5.67% | -11.88% |
| 2023 | -2.48% | -3.96% | -1.87% | 12.26% | -8.95% | 13.97% | 9.58% | -9.85% | -8.30% | -12.54% | 13.56% | 16.57% | 12.30% |
| 2022 | -21.54% | 1.96% | 0.05% | -6.88% | 16.16% | -20.48% | 21.65% | -7.61% | -17.68% | 6.31% | 1.79% | 0.09% | -31.01% |
| 2021 | 11.45% | -5.90% | -0.77% | 9.59% | 13.34% | 1.49% | 6.75% | 19.58% | 0.97% | 2.21% | 4.46% | 10.05% | 98.67% |
Benchmark Metrics
Credit Acceptance Corporation has an annualized alpha of 23.04%, beta of 1.00, and R2 of 0.11 versus S&P 500 Index. Calculated based on daily prices since June 05, 1992.
- This stock captured 144.49% of S&P 500 Index gains and 103.85% of its losses - amplifying both gains and losses, but participating more in upside than downside.
- R2 of 0.11 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 23.04%
- Beta
- 1.00
- R²
- 0.11
- Upside Capture
- 144.49%
- Downside Capture
- 103.85%
Return for Risk
Risk / Return Rank
CACC ranks 53 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Credit Acceptance Corporation (CACC) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CACC | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.66 | ||
| Sortino ratioReturn per unit of downside risk | -2.00 | ||
| Omega ratioGain probability vs. loss probability | 1.10 | 1.37 | -0.27 |
| Calmar ratioReturn relative to maximum drawdown | 0.62 | 2.78 | -2.17 |
| Martin ratioReturn relative to average drawdown | 1.25 | 12.44 | -11.19 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Credit Acceptance Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Credit Acceptance Corporation was 90.00%, occurring on Oct 28, 1997. Recovery took 2180 trading sessions.
The current Credit Acceptance Corporation drawdown is 17.05%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
1997 bear market1997 | -90.00%Oct 1997 | 2y 27d | 8y 8mo | 10y 9moOct 1995 - Jun 2006 |
Financial crisis2007–2009 | -66.00%Oct 2008 | 2y 11d | 11mo 15d | 2y 11moOct 2006 - Oct 2009 |
COVID crash2020 | -56.93%Apr 2020 | 11mo 10d | 4mo 5d | 1y 3moApr 2019 - Aug 2020 |
2023 bear market2023 | -45.68%Jan 2023 | 1y 2mo | — | 4y 7moNov 2021 - now |
2020 bear market2020 | -45.03%Nov 2020 | 3mo 14d | 8mo 12d | 11mo 26dAug 2020 - Aug 2021 |
Drawdown Indicators
| CACC | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -90.00% | -56.78% | -33.22% |
Max Drawdown (1Y)Largest decline over 1 year | -24.41% | -9.10% | -15.31% |
Max Drawdown (3Y)Largest decline over 3 years | -32.74% | -18.90% | -13.84% |
Max Drawdown (5Y)Largest decline over 5 years | -45.68% | -25.43% | -20.25% |
Max Drawdown (10Y)Largest decline over 10 years | -56.93% | -33.92% | -23.01% |
Current DrawdownCurrent decline from peak | -17.05% | -1.80% | -15.25% |
Average DrawdownAverage peak-to-trough decline | -30.70% | -10.71% | -19.99% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.01% | 2.03% | +9.98% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Credit Acceptance Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Credit Acceptance Corporation is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CACC, comparing it with other companies in the Credit Services industry. Currently, CACC has a P/E ratio of 14.4. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CACC compared to other companies in the Credit Services industry. CACC currently has a PEG ratio of 16.6. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CACC relative to other companies in the Credit Services industry. Currently, CACC has a P/S ratio of 2.8. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for CACC in comparison with other companies in the Credit Services industry. Currently, CACC has a P/B value of 4.2. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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