Is CACC or LPRO more undervalued in 2026?

CirclFi compares Credit Acceptance Corporation (CACC) and Open Lending Corporation (LPRO) using 13 institutional-grade valuation models. CACC has a Quality of Company score of 8.4/10 while LPRO scores 7.2/10.

Which is a better buy — CACC or LPRO?

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 CACC and LPRO valuations compare?

CACC at $573.64 and LPRO at $2.28 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CACC vs LPRO Valuation Comparison 2026 — Intrinsic Value Analysis

CACC

Personal Credit Institutions

Credit Acceptance Corporation

Quality

8.4

out of 10

Value Trap

LOW

Price

$573.64

Last close

Models

11/13

Active

LPRO

Personal Credit Institutions

Open Lending Corporation

Quality

7.2

out of 10

Value Trap

LOW

Price

$2.28

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	CACC Fair Value	CACC Upside	LPRO Fair Value	LPRO Upside
Bayesian DCF	Intrinsic	$1630.43	+184.2%	$5.54	+142.9%
Earnings Power Value	Intrinsic	$345.94	-39.7%	$7.75	+337.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for CACC vs LPRO — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

CACC vs LPRO — Which Stock Is More Undervalued?

CACC scores higher with a 8.4/10 quality rating vs LPRO's 7.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Credit Acceptance Corporation (CACC) and Open Lending Corporation (LPRO) 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.

CACC currently trades at $573.64 with a QOC of 8.4/10, while LPRO trades at $2.28 with a QOC of 7.2/10.

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).