Credit Acceptance Corporation (CACC) Fair Value 2026

CACC · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.8 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (24/100)

Quick Summary — As of 2026-08-27, Credit Acceptance Corporation (CACC) trades at $600.48, versus a $436.11 median fair value across its 5 active models — 27.4% below the current price. QOC: 7.8/10. Value Trap Risk: 24/100 (SAFE). 5/13 models active.

Key Facts

Ticker
CACC
Price
$600.48
Quality Score
7.8/10
Value Trap Risk
24/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Credit Acceptance Corporation (CACC) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Credit Acceptance Corporation (CACC) appears overvalued as of : the median of 5 independent fair value estimates is $436.11, 27.4% below the current price of $600.48. Estimates range from $354.75 to $801.88. CACC scores 7.8/10 on fundamental quality and 24/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CACC’s -27.4% gap is wider than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Credit Acceptance Corporation Stock in 2026? →

What Fair Value Does Each Model Give CACC?

5 Intrinsic Value Models vs. Current Price ($600.48)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $354.75 -40.9%
Ensemble · Medium Conviction
 $436.11 -27.4%
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What Is CACC's Fair Value Range?

Spread across 5 independent models · $354.75 to $801.88

CirclFi's 5 active models place Credit Acceptance Corporation (CACC) between $354.75 and $801.88 per share, a spread of 103% of the median. The median of that range — $436.11 — is the fair value CirclFi publishes for CACC, against a current price of $600.48.

Low · EPVHigh · Regime Cross
$354.75median $436.11$801.88
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$354.75
Most bullish modelRegime Cross-Sectional$801.88
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CACC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CACC, not a CirclFi price target. How each model works →

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 $436.11. Trading at its current price of $600.48, the valuation engine raises significant caution: 4 of 5 models flag downside risk, projecting a median implied return of -27.4%. Model dispersion is worth noting: Regime Cross targets $801.88 (+33.5%), versus EPV at $354.75 (-40.9%). This +74.5% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About CACC?

5 of 13 models are currently active for CACC. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for CACC is $436.11 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CACC Rank in Credit Services?

Among 54 Credit Services stocks, CACC ranks #19 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

The Credit Services 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 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Credit Acceptance Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Credit Acceptance Corporation scores 7.8 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 +74.5% — 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 5 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Credit Acceptance Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

OPRTOportun Financial CorporationQOC 7.9ECPGEncore Capital Group, Inc.QOC 7.8ENVAEnova International, Inc.QOC 7.9SPFXStandard Premium Finance Holdings, Inc.QOC 7.7BFHBread Financial Holdings, Inc.QOC 8.0RMRegional Management Corp.QOC 7.6AFRMAffirm Holdings, Inc.QOC 7.2LULufax Holding LtdQOC 5.3QFINQfin Holdings, Inc.QOC 9.0JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: OPRT · ECPG · ENVA · SPFX · BFH · RM · AFRM · LU · QFIN · JFIN · MA

Which Other Stocks Have a Similar Quality Score to CACC?

7 companies across all industries closest to CACC’s Quality of Company score of 7.8/10.

AOXYAdvanced Oxygen Technologies, Inc.QOC 7.8GLOBGlobant S.A.QOC 7.8MYEMyers Industries, Inc.QOC 7.8CFBKCF Bankshares Inc.QOC 7.8KRYSKrystal Biotech, Inc.QOC 7.8CMPRCimpress plcQOC 7.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AOXY · GLOB · MYE · CFBK · KRYS · CMPR · NVDA

Where Does CACC Sit in CirclFi's Credit Services Rankings?

CACC is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Credit Acceptance Corporation’s Valuation?

What is Credit Acceptance Corporation's intrinsic value in 2026?

CirclFi puts Credit Acceptance Corporation (CACC)'s intrinsic value at $436.11 — the median of 5 independent model estimates as of 2026-08-27, ranging from $354.75 to $801.88. The Quality of Company score is 7.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CACC overvalued or undervalued right now?

At $600.48, 1 of 5 active models suggest CACC may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $436.11, 27.4% below the current price of $600.48 — a consensus view that CACC is overvalued. The assessment depends on which methodology best fits Credit Acceptance Corporation's business model in Credit Services.

What does a Quality of Company score of 7.8 mean for CACC?

Credit Acceptance Corporation's QOC of 7.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CACC?

CirclFi analyzes CACC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CACC?

Of the 5 models currently active on CACC, Regime Cross-Sectional is the most bullish at $801.88 per share, and Earnings Power Value (EPV) is the most bearish at $354.75. CirclFi's published fair value for CACC is the median of that range, $436.11, not either extreme. The gap between the two ends equals 103% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CACC a value trap in 2026?

Credit Acceptance Corporation's Value Trap score is 24/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Credit Acceptance Corporation (CACC) has a median fair value of $436.11 — 27.4% below the current price of $600.48 — as of 2026-08-27.” Source: circlfi.com/stock/CACC/ · Methodology
Primary sources for this CACC valuation
  • Financial statements: Credit Acceptance Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000885550) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CACC as of ; valuations recomputed .

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