Is AXP or CACC more undervalued in 2026?

CirclFi compares American Express Company (AXP) and Credit Acceptance Corporation (CACC) using 13 institutional-grade valuation models. AXP has a Quality of Company score of 9.1/10 while CACC scores 8.4/10.

Which is a better buy — AXP or CACC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do AXP and CACC valuations compare?

AXP at $315.12 and CACC at $560.41 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

AXP vs CACC Valuation Comparison 2026 — Intrinsic Value Analysis

AXP

Credit Services

American Express Company

Quality

9.1

out of 10

Value Trap

—

Price

$315.12

Last close

Models

12/13

Active

CACC

Credit Services

Credit Acceptance Corporation

Quality

8.4

out of 10

Value Trap

LOW

Price

$560.41

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	AXP Fair Value	AXP Upside	CACC Fair Value	CACC Upside
Bayesian DCF	Intrinsic	$266.36	-15.5%	$1705.33	+204.3%
Earnings Power Value	Intrinsic	$129.77	-58.8%	$345.94	-38.3%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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AXP vs CACC — Which Stock Is More Undervalued?

AXP scores higher with a 9.1/10 quality rating vs CACC's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing American Express Company (AXP) and Credit Acceptance Corporation (CACC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

AXP currently trades at $315.12 with a QOC of 9.1/10, while CACC trades at $560.41 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).