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CACC

Credit AcceptanceB
Nasdaq / Financial Services
Last Price
At close
2026-07-22
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
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
2026 vintages are performing below initial estimates, which keeps forecast revisions and reserve sensitivity in focus.
Momentum
82
Value
55
Sentiment
43
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $500.00 · Bull $575.00 · Bear $435.00
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $652.75
Why
Momentum82 · Δ7d -0.5
Value55 · Δ7d +0.2
Sentiment43 · Δ7d -0.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
82
26% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
+5.9
Value
55
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+2.0
Sentiment
43
34% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
+0.4
Why this grade

Composite grade B. Momentum 81.7 / Value 55.1 / Sentiment 42.8

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 2026-07-22 • Updated nightlySource: Internal modelMethodology