Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.20, read 2026-11-04
Ethical does not pass the values gate
Price498.68 USD
Fair value600.00
Ethical score30.0/100
Value readUndervaluedas of 4 Nov 2026
Our investment reviews on this name
2026-11-05Read Distribution498.68+0.0% to today Accumulation gives way to Distribution after a 7% slide in 10 days
2026-10-26Read Accumulation534.20-6.6% to today Markdown gives way to Accumulation after an 8% slide in 9 weeks
2026-08-24Read Markdown581.30-14.2% to today ✓Accumulation gives way to Markdown after a 6% rise in 8 weeks
2026-07-02Read Accumulation548.15-9.0% to today First review on file: Accumulation
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Credit Acceptance Corporation holds its Distribution at $498.68. Elevated stress, defensive posture warranted, held for 2 days.
As held on the ledger · 2026-11-04
Phase
Distribution · caution
Quantitative state
Elevated stress, defensive posture warranted, held for 2 days
Price at the screen
$498.68
Valuation
15.61 trailing · 8.79 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.46
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: financial services
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: financial services
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Credit Acceptance does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 4 Nov 2026: it trades at roughly a 20% discount to our $600.00 fair value.
Fair value range in USD, drawn from the 2026-11-04 screen. The gold marker is the market price at the same screen. A 16.9% discount to the base estimate.
Where our models see it going: fair-value estimate $600.00, with a range of $600.00 to $961.30, dated to the 2026-11-04 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Why it stands out
Trading at 8.8x forward earnings. That is a 20% discount to our $600.00 fair value: the market is pricing it cautiously while the fundamentals argue otherwise. 3 analysts rate it Hold with a $600.00 average target, about 20% above the screened price.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it already moves more than the market on an average day; it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
CACC trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from accumulation to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 8.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it D, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537.
2026-10-29Accumulation$544.90+2.0%Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 2.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28Accumulation$534.20+0.0%Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-27Accumulation$534.20+0.0%Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 6% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markdown$534.20+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markdown$534.20+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markdown$534.20+0.0%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Markdown$534.20+0.0%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markdown$534.20-2.4%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.4% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 7% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 9%. Our forward projection puts the odds of a 10% gain over the next month near 24%. The street (3 analysts) rates it hold, with a mean price target of $537.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
