Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States.
FAIL · Does not pass the screen
605.46 USD
At the last full screen 2026-09-10
Screened 2026-09-10 · the tape above runs as of 09:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its accumulation label.
Credit Acceptance Corporation holds its Accumulation at $605.46. Consolidating, no directional conviction, held for 33 days.
As held on the ledger · 2026-09-10
Phase
Accumulation
Quantitative state
Consolidating, no directional conviction, held for 33 days
Price at the screen
$605.46
Valuation
13.37 trailing · 11.05 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.35
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.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 9.0% margin of safety to the base estimate.
Third-party analyst targets: 3 covering, consensus Hold. The average target sits +7% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 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
Car loan middleman trips ethical screen hard
Picture a dealer handing over keys while a specialist quietly buys the borrower's promise to pay. Credit Acceptance turns that promise into its entire book, advancing cash to lots across America and collecting the payments. The numbers look solid on paper, with revenue climbing 13 percent, margins at 36 percent and returns on equity near 28 percent, all trading at 11.7 times forward earnings.
We pass without hesitation. The business sits squarely inside financial services, a sector our ethical screen rules out on principle. No amount of cash generation or low multiple changes that line.
The modest 3 percent margin of safety to our $660 fair value offers little cushion once ethical concerns are set aside. Auto credit cycles can turn quickly, analyst targets cluster around $650 and the hold consensus already signals limited upside. Analysis, not advice.
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 Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-08-24Markdown · changed$581.30-9.2%Entry 5
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 9.2% 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 B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading bullish. 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.
2026-07-24Accumulation$640.00+16.8%Entry 4
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 16.8% 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 B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading bullish. 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.
2026-07-18Accumulation$548.15+0.0%Entry 3
The framework 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 B, carrying a low risk profile. Technically it is holding around 16% above its long-term trend line with momentum reading bullish. 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.
2026-07-03Accumulation$548.15+0.0%Entry 2
The framework 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.
2026-07-02Accumulation$548.15Entry 1
The framework reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
