CACC | Ticker Profile - Titan Protect

CACC

Credit Acceptance Corporation

Financial Services · Credit Services · NMS

$544.71

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$5.8B

Total market value of the company

Trailing P/E

13.77

Reasonably valued

Forward P/E

10.10

Based on estimated future earnings — lower means cheaper

Rev Growth

+12.7%

Year-over-year revenue change

Profit Margin

35.5%

How much profit the company keeps from each dollar of revenue

ROE

28.1%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$550.00

+1% from current price — median analyst estimate

Recommendation

HOLD

Consensus view from 3 analysts covering this stock

About Credit Acceptance Corporation

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

https://www.creditacceptance.com

Country: United States Employees: 2,314 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.402

Positive but modest risk-adjusted returns

Kelly Fraction

0.0363

Modest edge detected — smaller position warranted

Calmar Ratio

0.253

Drawdown risk outweighs the returns — higher risk profile

Annual Return

8.3%

Historical annualised return based on price data

Max Drawdown

-32.7%

Largest peak-to-trough decline — the worst it has been

HMM State

BULL

Statistical model sees bullish momentum

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.36

Moves slightly more than the broader market

52W High

$565.14

4% below the year high

52W Low

$401.90

36% above the year low

Avg Volume

174,781

Average daily shares traded — higher means easier to buy and sell

Short Ratio

6.5

Days it would take all short sellers to cover — higher means more crowded

Short % Float

28.8%

Very high short interest — potential squeeze candidate

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$40.15

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

423.26

Heavy leverage — higher financial risk if revenues decline

Current Ratio

3.87

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

3.63

Like current ratio but excludes inventory — stricter test

Gross Margin

94.4%

Revenue left after cost of goods — higher means pricing power

Operating Margin

52.7%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$1.3B

Total revenue over the last 12 months

Net Income

$453M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$560.00

Target Median

$550.00

Target Low

$500.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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