RankAlpha logo
Back to Rankings

CACC

Credit AcceptanceB
Nasdaq / Financial Services
Last Price
At close
2026-07-21
View Chart
Current thesis
The post-earnings primary-source read-through is that profitability improved, forecast volatility moderated, liquidity remained ample, and buybacks stayed aggressive, which supports the view that CACC is moving from a heavy reserve-adjustment phase toward steadier earnings conversion.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -3.7.
What can break
2026 vintages are performing below initial estimates, which keeps forecast revisions and reserve sensitivity in focus.
Momentum
83
Value
55
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $500.00 · Bull $575.00 · Bear $435.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $652.75
Why
Momentum83 · Δ7d -3.7
Value55 · Δ7d -0.0
Sentiment42 · Δ7d -0.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
83
26% active weight
Current posture
7d trendSoftening
Δ7d
-3.7
Δ21d
-1.5
Value
55
39% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+1.5
Sentiment
42
34% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-0.4
Why this grade

Composite grade B. Momentum 82.6 / Value 54.9 / Sentiment 42.0

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$6.47B
Beta
1.27
Shares Out
10.46M
P/E (TTM)
12.2
P/S (TTM)
2.20
P/FCF (TTM)
4.67
Rev YoY
+1.6%
EPS YoY
+43.2%
Gross Margin
+98.8%
Op Margin
+46.1%
Net Debt
$5.85B
Current Ratio
0.27
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology