Jul 10▼ RSI OverboughtRSI 74.3, above 70, stock may be overbought
About Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. At a $6.69B market cap, Credit Acceptance Corporation ranks as a mid-cap company within financial services. It 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.
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On the balance sheet, CACC has $25.7M in cash with $6.41B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 28.1%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 5.1% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $1.82B (2022) to $2.29B (2025), reflecting a 26% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Credit Acceptance Corporation and its sector.