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Friday 6 November 2026 Export CACC’s income statement to Excel — free account

Credit Acceptance Corporation

CACC Financial Credit Services

Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024.

Revenue
+2.09%
EPS
−156.4%
Free cash flow
+11.8%
Total debt
+5.57%

Quarter to September 2026, against a year earlier

525.06 2.48 +0.47%
Market cap
$5.3B
P/E
16.7×
Fwd P/E
8.8×
Dividend yield
—
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Credit Acceptance Corporation (CACC) valuation and DCF model

What the price implies · reverse DCF

Credit Acceptance Corporation is not valued here: a bank or insurer is valued on its dividend, and it pays none.

Last 5 years, reported
1.1%
Last 10 years, reported
10.1%

Valuation against its own history

Today’s multiple against its 5- and 10-year averages and the industry median (Credit Services).

Multiple Current 5Y avg 10Y avg vs 10Y avg Industry median vs industry 10Y range
P/E 16.67× 17.60× 15.34× 9% above 8.96× 86% above
P/FCF 4.33× 6.10× 7.87× 45% below 2.55× 70% above
P/B 3.92× 4.12× 3.85× 2% above 1.23× 218% above
EV/EBITDA — 14.27× 13.04× — 3.38× —
EV/Sales — 7.74× 7.79× — 3.90× —
P/E P/FCF P/B EV/EBITDA EV/Sales
2.96×3.93×4.91×5.88×10Y avg 3.85×2016201720182019202020212023202420252026

CACC trades at 3.92× P/B, against a 10-year average of 3.85× (range 2.68×–6.06×). That is dearer than 67% of the last 9 year-end readings; re-rating to the average implies $515.80 per share.

Every growth rate on this page is the business’s — its cash flow, FFO or dividend — never its share price’s. A discounted-cash-flow model is only as good as its assumptions. Figures from the 10-K and 10-Q filings. Not investment advice.