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CACC

Credit AcceptanceB
Nasdaq / Financial Services
Last Price
At close
2026-06-02
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 +3.2.
What can break
2026 vintages are performing below initial estimates, which keeps forecast revisions and reserve sensitivity in focus.
Momentum
79
Value
54
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $500.00 · Bull $575.00 · Bear $435.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $480.50
Why
Momentum79 · Δ7d +3.2
Value54 · Δ7d -0.6
Sentiment48 · Δ7d +0.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
79
34% active weight
Current posture
7d trendSoftening
Δ7d
+3.2
Δ21d
-2.9
Value
54
32% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-1.0
Sentiment
48
33% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.5
Why this grade

Composite grade B. Momentum 79.2 / Value 54.0 / Sentiment 48.0

Fundamentals (TTM)
As of 2026-06-02
Market Cap
$5.67B
Beta
1.27
Shares Out
11.03M
P/E (TTM)
12.2
P/S (TTM)
2.20
P/FCF (TTM)
4.67
Rev YoY
+5.8%
EPS YoY
+48.6%
Gross Margin
-
Op Margin
+46.1%
Net Debt
$6.01B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology