What Is Credit Acceptance Corporation (CACC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Credit Acceptance Corporation's intrinsic value is estimated at a composite fair value of $802.80. Trading at $626.13, the stock is approaching fair value or slight overvaluation (implied return of +28.2%), as 7 of 12 models suggest limited further upside. Model dispersion is worth noting: Markov DDM targets $3,078.86 (+391.7%), versus EROIC at $134.31 (-78.5%). This +470.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About CACC?
12 of 13 models are currently active for CACC. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates CACC's intrinsic value at $1200.94, implying +91.8% upside from the current price. See which stocks rank higher →
How Does CACC Rank in Personal Credit Institutions?
Among 15 Personal Credit Institutions stocks, CACC ranks #3 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 places CACC in the top tier.
The Personal Credit Institutions sector introduces analytical considerations specific to lending environment businesses. For Credit Acceptance Corporation, metrics like net interest margin (NIM) provide important context that general-purpose valuation models may underweight.
Is CACC a Value Trap?
CirclFi's Value Trap algorithm assigns CACC a score of 26/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Credit Acceptance Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Credit Acceptance Corporation scores 8.0 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +470.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every CACC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across CACC's 12 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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