Top line decelerating.
+8.6% YoY versus +13.5% prior. 3y CAGR +8.3%.
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Financial Services · Market Cap: $5.7B
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Fundamentals as of 2026-03-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
The Question
Mixed — Credit Acceptance Corporation has 29.9% ROE but D/E 4.74.
Financial story
Mixed — Credit Acceptance Corporation's 29.9% ROE is strong, but its 4.74 debt-to-equity is elevated.
Bottom line: CACC currently has no legendary investor models qualifying — see /stock/CACC/valuation for the per-model breakdown, but earns a C sector grade (54/100) in Financial Services. Use the per-tab analysis to form your own view. Drill into the valuation breakdown and sector ranking for the full picture.
+8.6% YoY versus +13.5% prior. 3y CAGR +8.3%.
+8.6%Net margin 18.3% versus 11.6% prior (+6.7pp). Operating 47.6%.
18.3%P/E 13.5x — 4% below the 5y median of 14.1x. Forward 11.3x hints at EPS expansion next year.
13.5xCACC trades at 13.3x earnings. Sector context and per-investor signals are in the valuation tab.
CACC and MTG differ on P/E, ROE, and revenue growth. See the full CACC vs MTG compare matrix.
Investor verdicts for CACC are listed in the valuation tab. Per-model fair value and reasoning are in the valuation tab.
CACC's P/E ratio is 13.3x. 5-year P/E history is in the financials tab.
Investor verdicts vary by methodology. Full breakdown by investor and signal is in the valuation tab.
CACC's earnings calendar and history are tracked in the financials tab. Specific dates depend on company-published guidance.
How does CACC compare?
See exactly where CACC ranks
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Sign in to see the rankingCACC sits at #54 in Financial Services with a C grade (54/100).