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CACC

Credit AcceptanceD
Nasdaq / Financial Services
Last Price
Quote time unavailable
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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
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.9.
What can break
2026 vintages are performing below initial estimates, which keeps forecast revisions and reserve sensitivity in focus.
Momentum
47
Value
55
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $500.00 · Bull $575.00 · Bear $435.00Analysis 2026-05-08; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $661.00
Why
Momentum47 · Δ7d +5.4
Value55 · Δ7d +0.6
Sentiment51 · Δ7d +4.9
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.9.

Contradictions & invalidation

  • • 2026 vintages are performing below initial estimates, which keeps forecast revisions and reserve sensitivity in focus.
  • • Consumer Loan assignment unit volume fell 4.3% and dollar volume fell 4.0% year over year in Q1 2026.
  • • The same filings still show soft origination volumes, below-plan performance in 2026 vintages, and slower prepayments, so the quarter looks more like stabilization than a clean growth re-acceleration.

Catalyst clock

2026-05-05

Q1 earnings showed stronger profit and milder portfolio markdowns

Lead driver: Sentiment · See AI snapshot
Momentum
47
9% active weight
Current posture
7d trendImproving
Δ7d
+5.4
Δ21d
+11.3
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
+1.0
Sentiment
51
62% active weight
Current posture
7d trendImproving
Δ7d
+4.9
Δ21d
-2.3
Why this grade

Composite grade D. Momentum 46.7 / Value 55.5 / Sentiment 50.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-08. Scenario method

B+
Bull case
25%
Probability
Target price
$575.00
Analysis reference price unavailable
Analysis 2026-05-08 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$500.00
Analysis reference price unavailable
Analysis 2026-05-08 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$435.00
Analysis reference price unavailable
Analysis 2026-05-08 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$5.95B
Beta
1.27
Shares Out
10.38M
P/E (TTM)
12.2
P/S (TTM)
2.20
P/FCF (TTM)
4.67
Rev YoY
+0.6%
EPS YoY
+70.5%
Gross Margin
+98.8%
Op Margin
+48.6%
Net Debt
$5.85B
Current Ratio
0.29
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data