CACC Stock Analysis: Buy, Sell, or Hold?
CACC - Credit Acceptance Corp
$657.12
1.40 (0.21%)
▲
5d:
+5.36%
30d:
+21.25%
90d:
+56.61%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 30, 2026
24d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CACC trades at premium valuation expecting 6.4% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: CACC trades at premium valuation expecting 6.4% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$853.21
Based on 9.4% avg growth
INTRINSIC VALUE TODAY
$529.78
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 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CACC is currently trading at $657.12, which is considered extended relative to its 30-day fair value range of $545.52 to $616.88. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.0) compared to its historical average (10.0). At these levels, the market is pricing in 6.4% 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 strong uptrend. The price is approaching resistance at $666.24. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CACC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $536.67. 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 strong uptrend. The price is approaching resistance at $666.24. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CACC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $536.67. 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
$545.52 -
$616.88
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
46.7%
All Signals
- BEARISH: Price extended above range (+6.5% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 18.3% above Wall St target ($536.67)
- NEUTRAL: Trading at premium valuation - market expects 6.4% growth which is achievable
Trading Range Analysis
30-Day Trading Range
$545.52 -
$616.88
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$563.02
Resistance Level
$666.24
Current Trend
Strong Uptrend
Technical data as of
Jul 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.01
Wall Street Target
$536.67
(-18.3%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
43.2%
Profit Margin
35.5%
Valuation Premium vs History
+6.4% premium
PE vs Historical
12.0 vs 10.0
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.4%
(market-implied from PE analysis)
1-Year Target
$699.18
(+6%)
2-Year Target
$743.92
(+13%)
3-Year Target
$791.53
(+21%)
3-Yr Target (if PE normalizes)
(PE: 12→10)
PE COMPRESSION
$659.31
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.7%)
$1797.25
(+174%)
Base:
(SPY PE: 12.0, Growth: 14.7%)
$990.67
(+51%)
Bear:
(PE: 10.0, Growth: 14.7%)
$825.18
(+26%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 16.34 | Current EPS (TTM): $40.13
Bull Case
$983.80
(+50%)
Analyst growth 36.4%, PE expands to 18.0
Base Case
$894.36
(+36%)
Market implied 36.4%, PE stable at 16.3
Bear Case
$445.89
(-32%)
Severe decline -20.0%, PE contracts to 13.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 05, 2026 9:41 AM ET
Data refreshes hourly during market hours. Next update: 10:41 AM
Data refreshes hourly during market hours. Next update: 10:41 AM
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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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