CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$547.81
1.15 (0.21%)
▲
5d:
+2.75%
30d:
+10.77%
90d:
+13.19%
HOLD
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: May 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CACC is fairly valued with market pricing in 0.6% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CACC is fairly valued with market pricing in 0.6% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$850.48
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$528.08
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $547.81, which is considered extended relative to its 30-day fair value range of $479.63 to $535.91. The stock's valuation (Forward PE: 10.0) is in line with its historical norms (9.8). At these levels, the market is pricing in 0.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CACC is in a uptrend. Immediate support is located at $498.50, while resistance sits at $565.14.
Market Sentiment: CACC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CACC is in a uptrend. Immediate support is located at $498.50, while resistance sits at $565.14.
Market Sentiment: CACC has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$479.63 -
$535.91
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($536.67)
- NEUTRAL: Market pricing in 0.6% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$479.63 -
$535.91
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$498.50
Resistance Level
$565.14
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.02
Wall Street Target
$536.67
(-2.0%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+0.6% premium
PE vs Historical
10.0 vs 9.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.6%
(market-implied from PE analysis)
1-Year Target
$551.10
(+1%)
2-Year Target
$554.40
(+1%)
3-Year Target
$557.73
(+2%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$545.67
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 15.5%)
$1859.83
(+240%)
Base:
(SPY PE: 10.0, Growth: 15.5%)
$844.10
(+54%)
Bear:
(PE: 8.5, Growth: 15.5%)
$717.48
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.62 | Current EPS (TTM): $40.13
Bull Case
$819.50
(+50%)
Analyst growth 36.3%, PE expands to 15.0
Base Case
$745.00
(+36%)
Market implied 36.3%, PE stable at 13.6
Bear Case
$371.73
(-32%)
Severe decline -20.0%, PE contracts to 11.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 15, 2026 7:20 PM ET
Data refreshes hourly during market hours. Next update: 8:20 PM
Data refreshes hourly during market hours. Next update: 8:20 PM
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Technical Signals Check
Is CACC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
8
Sells
Net
INSIDERS SELLING
Recent Transactions
Jill Foss Watson
SELL
9450 shares
2026-04-21
Jonathan Lum
SELL
3000 shares
2026-04-20
Kenneth Booth
SELL
4000 shares
2026-04-20
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