Credit Acceptance Corporation
CACCFinancial ServicesNASDAQCredit Services · Last scanned Jun 3, 2026
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Daily timeframeCredit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. At a $5.67B 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.
Market Cap
$5.67B
Beta
1.36
P/E (TTM)
13.51
P/E (Fwd)
9.90
EPS (TTM)
$40.10
EPS (Fwd)
$54.73
ROE
28.1%
ROA
5.1%
Cash
$25.7M
Total Debt
$6.41B
Free CF
—
52W Change
11.3%
Annual Financials
Cash vs Debt
Credit Acceptance Corporation carries $6.41B in total debt against $25.7M in cash reserves — debt is roughly 249.4x the cash position. Managing this leverage effectively will be important for long-term financial stability. 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.
Credit Acceptance Corporation carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CACC.