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CACCCredit Acceptance Corporation
$646.58$6.7B
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CACC logo

Credit Acceptance Corporation (CACC) Price Target Analysis

Updated Jul 2, 2026
Analyst Rating: Hold
Based on 18 analysts

16.5% Above Target

CACC trades 16.5% above Wall Street's consensus target of $540.00.

Current Price$646.58
Average Target$540.00
Low$540.00
Median$540.00
High$540.00

Analyst Target Range

Forward P/E13.4x
(Value)
PEG Ratio1.36
(Fair)
Implied Growth+16.3%
(Moderate)
Analyst Spread0.0%
(High Agreement)

Price Forecast (1 Year)

Last 12 months price action with 12-month analyst target path

Current$646.58
Consensus$540.00
High$540.00
Low$540.00

Consensus Scenario Assumptions

The base valuation assumes CACC achieves its forward estimates and maintains a stable P/E multiple of 13.4x. This scenario reflects the blended consensus of 18 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.

Analyst Ratings Distribution

Breakdown of 18 published analyst recommendations for CACC

67% hold / mixed conviction
-17
BearishBullish
Weighted analyst sentiment score based on 18 ratings
ConsensusHold
Coverage18 Analysts
Net Score-17
Bull / Bear0% / 33%
Strong Buy00%
Buy00%
Hold1267%
Sell633%
Strong Sell00%
Strong Buy
00%
Buy
00%
Hold
1267%
Sell
633%
Strong Sell
00%
Recommendation Mix0% Buy · 67% Hold · 33% Sell
Buy (0)Hold (12)Sell (6)

CACC Price Target Analysis

Updated July 8, 2026

As of July 8, 2026, Credit Acceptance Corporation (CACC) has a Wall Street consensus price target of $540.00, based on estimates from 18 covering analysts. With the stock currently trading at $646.58, this represents a potential downside of -16.5%. The company has a market capitalization of $6.74B.

Analyst price targets range from a low of $540.00 to a high of $540.00, representing a 0% spread in expectations. The median target of $540.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.

The current analyst consensus rating is Hold, with 0 analysts rating the stock as a Buy or Strong Buy,12 rating it Hold, and 6 rating it Sell or Strong Sell. The bearish sentiment suggests caution about the stock at current levels.

From a valuation perspective, CACC trades at a trailing P/E of 17.2x and forward P/E of 13.4x. The forward PEG ratio of 1.36 indicates reasonable valuation for growth. Analysts expect EPS to grow +16.3% over the next year.

Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $743.39, with bear and bull scenarios of $468.33 and $979.49 respectively. Model confidence stands at 53/100, reflecting moderate uncertainty in projections.

Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.

Analyst Sentiment Comparison

Industry Peer Analysis
Avg Peer Upside
+11.9%
Industry Consensus
Avg Forward P/E
13.4x
(Value)
Peers with Coverage
9 / 10
Active Analyst Tracking
CompanyMarket CapPriceTargetUpside PotentialRatingFwd P/EAnalysts
ALLY logo
ALLYAlly Financial Inc.
$13.9B$45.40$53.75
+18.4%
Buy8.5x38
DT logo
DTDynatrace, Inc.
$13.1B$45.11$46.41
+2.9%
Buy23.2x34
WRLD logo
WRLDWorld Acceptance Corporation
$924M$199.11——Hold28.2x10
COF logo
COFCapital One Financial Corporation
$125.0B$202.89$265.17
+30.7%
Buy10.4x56
SYF logo
SYFSynchrony Financial
$25.8B$76.77$89.75
+16.9%
Buy8.3x41
OMF logo
OMFOneMain Holdings, Inc.
$7.0B$59.62$67.50
+13.2%
Buy8.2x31
ENVA logo
ENVAEnova International, Inc.
$5.9B$237.00$226.67
-4.4%
Buy14.4x10
PRAA logo
PRAAPRA Group, Inc.
$688M$18.03$25.00
+38.7%
Hold7.2x13
ECPG logo
ECPGEncore Capital Group, Inc.
$1.9B$90.17$85.00
-5.7%
Buy7.0x15
KMX logo
KMXCarMax, Inc.
$7.2B$51.05$49.11
-3.8%
Hold18.9x36

CACC — Frequently Asked Questions

Quick answers to the most common questions about buying CACC stock.

What is the CACC stock price target for 2026?

CACC's consensus price target is $540, -16.5% below the current price of $646.58. The 18 analysts tracking CACC see downside risk at present valuations.

Is CACC a buy, sell, or hold?

CACC has a consensus rating of "Hold" based on 18 Wall Street analysts. The rating breakdown is leaning bearish, with 6 Sell/Strong Sell ratings. The consensus 12-month price target of $540 implies -16.5% downside from current levels.

Is CACC stock overvalued or undervalued?

With a forward P/E of 13.4277x, CACC trades at a relatively low valuation. The consensus target of $540 implies -16.5% move, suggesting the market may be pricing in risks.

How high can CACC stock go?

The most bullish Wall Street analyst has a price target of $540 for CACC, while the most conservative target is $540. The consensus of $540 represents the median expectation. Our quantitative valuation model projects a bull case target of $979 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

How many analysts cover CACC stock?

CACC is well covered by analysts, with 18 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 0 have Buy ratings, 12 recommend Hold, and 6 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

What is the CACC stock forecast?

The 12-month CACC stock forecast based on 18 Wall Street analysts shows a consensus price target of $540, with estimates ranging from $540 (bear case) to $540 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $743, with bear/bull scenarios of $468/$979.

What is CACC's fair value based on fundamentals?

Our quantitative valuation model calculates CACC's fair value at $743 (base case), with a bear case of $468 and bull case of $979. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 53/100.

What is CACC's forward P/E ratio?

CACC trades at a forward P/E ratio of 13.4x based on next-twelve-months earnings estimates compared to a trailing P/E of 17.2x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Should I buy CACC stock?

Analysts are cautious on CACC, with 6 Sell ratings and a price target of $540 (-16.5% from current price). The "Hold" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

Why do CACC price targets vary so much?

CACC analyst price targets range from $540 to $540, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $540 consensus represents the middle ground. Our model's $468-$979 range provides an independent fundamental perspective.

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