TORVANTA
Other · S&P 500 · data as of 2026-10-05

CACC stock analysis: CACC

CACC (CACC) is an S&P 500 company in Other. It grades strongest on profitability and value and weakest on momentum.

The model's view of CACC · subscribers

Where CACC ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

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What's happening with CACC · updated 2026-10-05 · from prices and SEC filings

CACC price performance

CACC against the S&P 500, one year
+0%+20%+40%CACC +18%S&P 500 +18%2025-09-292026-10-05
Year to date+19.8%S&P 500 +14.5% · ahead by 5.3 pts
1 year+9.4%S&P 500 +17.0% · behind by 7.7 pts
3 years+22.4%S&P 500 +89.3% · behind by 66.9 pts
5 years-13.5%S&P 500 +91.3% · behind by 104.8 pts

Total returns with dividends reinvested.

CACC factor grades

Each grade compares CACC with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

A-ValueP/E 11.7x (industry 20.1x)FCF yield 22.1% (industry 6.0%)
C+GrowthRevenue growth +3% (industry +8%)EPS growth +31% (industry +10%)
AProfitability
C-Momentum12-month change +9%From 52-wk high -19%

CACC in plain numbers

CACC key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$5.5B
Revenue growth (y/y)+3%
Free-cash-flow yield22.1%
Dividend yieldn/a
Next earnings (expected)2026-10-29
Valuation measures
Market value$5.5B
Enterprise value$5.5B
P/E (trailing)11.7x
Forward P/E (Torvanta estimate)10.2x
PEG (Torvanta estimate)0.71
Price / sales2.4x
Price / book3.5x
EV / revenue2.4x
Financial highlights
Revenue, last 12 months$2.3B
Net income, last 12 months$501.9M
EPS, last 12 months (GAAP)$45.37
Net margin21.5%
Return on equity31.9%
Cash$1.4M
Free cash flow, last 12 months$1.2B

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

CACC earnings trends

Revenue vs earnings
$0$146.8M$293.7M$440.6M$587.4MSep 2024 Revenue: $550.3MDec 2024 Revenue: $565.9MMar 2025 Revenue: $571.1MJun 2025 Revenue: $583.8MSep 2025 Revenue: $582.4MDec 2025 Revenue: $579.9MMar 2026 Revenue: $580.0MJun 2026 Revenue: $587.4MSep 2024 Net income: $78.8MDec 2024 Net income: $151.9MMar 2025 Net income: $106.3MJun 2025 Net income: $87.4MSep 2025 Net income: $108.2MDec 2025 Net income: $122.0MMar 2026 Net income: $135.8MJun 2026 Net income: $135.9MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: 14.3%Net margin: 26.8%Net margin: 18.6%Net margin: 15.0%Net margin: 18.6%Net margin: 21.0%Net margin: 23.4%Net margin: 23.1%0%13%27%■ Revenue ■ Net income ━ Net margin
Earnings per share$0.0$3.2$6.3$9.5$12.7Sep 2024 EPS (GAAP, diluted): $6.4Dec 2024 EPS (GAAP, diluted): $12.2Mar 2025 EPS (GAAP, diluted): $8.7Jun 2025 EPS (GAAP, diluted): $7.4Sep 2025 EPS (GAAP, diluted): $9.4Dec 2025 EPS (GAAP, diluted): $10.9Mar 2026 EPS (GAAP, diluted): $12.4Jun 2026 EPS (GAAP, diluted): $12.7Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +48% · Dec 2025 -11% · Mar 2026 +43% · Jun 2026 +71%

From the company's 10-Q and 10-K filings with the SEC.

CACC financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$1.9B$1.8B$1.9B$2.2B$2.3B
Net income$1.0B$535.8M$286.1M$247.9M$423.9M
EPS (GAAP)$59.58$38.95$21.99$19.80$36.39
Free cash flow$1.1B$1.2B$1.2B$1.1B$1.1B

CACC earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-08-04$12.66+71%+1%+1.8%
2026-05-05$12.40+43%+2%+4.3%
2026-01-29$10.88-11%+2%+15.4%
2025-10-30$9.43+48%+6%-1.8%
2025-07-31$7.42n/a+8%-9.3%
2025-04-30$8.66+70%+12%-5.1%

About CACC

HeadquartersSouthfield, MI
Industry (SEC code)Personal Credit Institutions
Fiscal year endsDecember 31
Incorporated inMI
Listed onNasdaq
FormerlyCREDIT ACCEPTANCE CORPORATION

From the company's SEC registration record.

Companies similar to CACC

CompanyMarket valueP/ERevenue growthOperating margin12-month change
CACC CACC$5.5B11.7x+3%n/a+9%
VIRT VIRT$5.5B10.4x+21%n/a+91%compare
MUR MUR$5.5B19.0x+8%18.6%+31%compare
SXT SXT$5.5B34.8x+8%14.0%+38%compare
ESNT ESNT$5.5B8.5x+4%n/a+2%
VSH VSH$5.5B206.1x+13%3.3%+134%
EPRT EPRT$5.5B19.9x+22%62.8%-10%

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Frequently asked questions

Is CACC stock a buy?

Torvanta does not tell individuals what to buy. Its grades for CACC are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is CACC's P/E ratio?

CACC trades at about 11.7 times its last 12 months of GAAP earnings reported to the SEC, and about 10.2 times Torvanta's own estimate of the next 12 months.

When does CACC report earnings next?

Based on its filing history, Torvanta expects CACC to report around 2026-10-29.

How has CACC performed against the S&P 500?

Over the past year CACC returned +9.4%, against +17.0% for the S&P 500, dividends reinvested.

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Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

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Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

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