Nama's AI scorecard currently rates Credit Acceptance Buy (7.5 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is CACC's P/E ratio?

Credit Acceptance trades at a trailing price-to-earnings ratio of 11.2.

When does CACC report earnings?

Credit Acceptance's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $13.02.

What is the CACC price target?

The median analyst price target from 3 analysts is $600.00, with a range of $470.00 – $600.00.

Is CACC Shariah compliant?

Nama's AAOIFI-style screen reads Credit Acceptance as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Credit Acceptance (CACC)

Financial Services · Credit Services · NASDAQ

Credit Acceptance (CACC) is a Financial Services company in the Credit Services industry. It has a market capitalization of $5.37B and a trailing price-to-earnings ratio of 11.2. Over the most recent reported fiscal year, revenue grew 7.2%. Nama's AI scorecard rates it Buy, 7.5 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Buy · 7.5/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Rising · +27.9% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-24.2%

How far the last close sits under the highest price of the past five years.

Market cap	$5.37B
Trailing P/E	11.2
Price / book	3.5
Price / sales	5.0
FCF yield	—
Dividend yield	—
Gross margin	63.3%
Operating margin	30.8%
Net margin	21.8%
Revenue growth (YoY)	+7.2%
Revenue growth (3-yr annual)	+7.9%
EPS growth (YoY)	+2.6%
FCF/share growth (YoY)	—
Beta	1.4
Exchange	NASDAQ
Sector	Financial Services
Industry	Credit Services

CACC earnings

Next report: Jan 28, 2027 (Q4 2026, EPS estimate $13.02). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 29, 2026	$13.01	$12.34	+5.4%	$589.00M
Q2 2026	Aug 4, 2026	$12.12	$11.85	+2.3%	$582.20M
Q1 2026	May 5, 2026	$10.71	$10.51	+1.9%	$574.80M
Q4 2025	Jan 29, 2026	$11.35	$9.85	+15.2%	$573.60M

CACC analyst price target

Median target $600.00 from 3 analysts, ranging $470.00 – $600.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
SYF	Synchrony Financial	$23.99B	7.6
AFRM	Affirm	$22.98B	9.7
SOFI	SoFi Technologies	$21.02B	30.0

Explore live CACC data on Nama Insights →

CACC FAQ

Is CACC a buy?: Nama's AI scorecard currently rates Credit Acceptance Buy (7.5 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is CACC's P/E ratio?: Credit Acceptance trades at a trailing price-to-earnings ratio of 11.2.
When does CACC report earnings?: Credit Acceptance's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $13.02.
What is the CACC price target?: The median analyst price target from 3 analysts is $600.00, with a range of $470.00 – $600.00.
Is CACC Shariah compliant?: Nama's AAOIFI-style screen reads Credit Acceptance as Not Shariah Compliant. At least one of the three ratios or the industry test failed.