MARKET WIRECNN • 8h ago
symbol__ Stock Quote Price and ForecastCNN report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Why CACC Stock dropped -19.26% Today — RQD Quant Desk Flash
$464.89 -19.26% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $447.89
Credit Acceptance Corporation (CACC) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
ROARABLE C • HOLD / WATCH
Cap $5.98B
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Is CACC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Credit Acceptance Corporation (NASDAQ: CACC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $464.89 (-19.26% 1D, market cap $5.98B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CACC ranks #335 in composite RQD confidence.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CACC compare to WULF and FIGR in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), CACC carries a Roarable C (63/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (29/100 RQD, P/E N/A, ROIC -28.9%, cap $6.36B) and FIGR (Figure Technology Solutions Inc.) posts a D grade (51/100 RQD, P/E 39.5x, ROIC 21.9%, cap $5.29B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CACC?
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Per CACC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000885550), Credit Acceptance Corporation generated $2.32B in revenue (+7.2% YoY), $424 in net income, and $1.05B in free cash flow against $8.63B in total assets and $3.20B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $447.88 (-3.66%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 45.4% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →RQD QUANT TACHOMETERHOLD / WATCH • C
JEV AI Jury Split (Battleground)
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw C · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+2.2% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CACC)Realized 20D OHLCV Swing Band: ±8%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY CACC SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (24% of score)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (22% of score)
20D Institutional Volume Accumulation (±8% realized swing band)
▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)
Macro rate sensitivity & RSI-14 (54.7) create a -10 pt regime headwind
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade B$545.96-1.4% Next Q
71
Q2 (-2Q)Grade B-$538.16+0.8% Next Q
68
Q3 (-1Q)Grade B-$542.52-14.3% Next Q
66
CurrentGrade C$464.89+0.9% Hist 90D α
63
Trajectory: B (71) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the CACC Bull Thesis Could Fail
Even with a 63/100 (C) score, CACC faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($563.25) or 200D SMA ($538.82) invalidates the momentum regime and cuts Target Base ($475.35) toward Bear Floor ($370.77).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $CACC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CACC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CACC Stock dropped -19.26% Today — RQD Quant Desk Flash
Credit Acceptance Corporation (CACC) dropped -19.26% to $464.89, trading at 24% of its 52-week range ($401.9 – $668.86). Solid steady margins (0% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 24% of its 52-week range ($401.9 – $668.86) with RSI-14 at 54.7 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±8% around $464.89 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $1.1B annual free cash flow.
Live CACC Headlines & Catalysts
RISK WATCHYahoo Finance • 11h ago
Why Credit Acceptance (CACC) shares are falling todayYahoo Finance report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREStocktwits • 14h ago
CACC: Credit Acceptance Corp. Latest Stock Price, Analysis, News and Trading IdeasStocktwits report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
RISK WATCHTradingView • 17h ago
Credit Acceptance Sinks 19.3% Post Q3 Earnings: What's Hurting CACC?TradingView report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESimply Wall St • 20h ago
Credit Acceptance (Nasdaq:CACC) - Stock AnalysisSimply Wall St report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESeeking Alpha • 23h ago
Credit Acceptance Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:CACC) 2026-10-29Seeking Alpha report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
MARKET WIREMoomoo • 1d ago
Earnings Flash (CACC) Credit Acceptance Corporation Posts Q3 Adjusted EPS $13.01 per Share, Vs. FactSet Est of $12.86Moomoo report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
RISK WATCHYahoo • 1d ago
Credit Acceptance Stock After A Net Loss And Lower Cash Flow OutlookCredit Acceptance reported third quarter 2026 revenue of US$594.6 million, but moved from net income of US$108.2 million a year earlier to a net loss of US$56.6 million as weaker loan collections cut into profitability.
CATALYSTYahoo • 3d ago
CACC (CACC) Q3 2026 Earnings Call TranscriptEconomic profit surged 18% as dealer count hit record highs and loan volume accelerated.
RISK WATCHYahoo • 3d ago
Credit Acceptance Sinks 20% on $291 Million Loan Forecast Cut After “Small but Consistent” UnderperformanceKey TakeawaysCredit Acceptance shares fell 20% today after a $291. 2 million loan forecast cut pushed it to a third-quarter loss.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (CACC Tape Review)
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- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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CACC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -8.31%🛡️ HOLDING TREND SUPPORT
2026-11-02O $544.9H $575.8L $464.9C $464.9VOL 150.9K
RES: $576.4SUP: $452.7SMA50: $563.3SMA200: $538.8
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
CACC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
48.0%/yr Implied 5Y Growth
vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on CACC today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for CACC. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CACC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CACC)
Financials Rank #335 of 1096
⚔️ WULF vs CACC Full Matrix →
1. Head-to-Head Financials Peer Comparison (CACC vs. WULF, FIGR, OMF, RIOT)
Industry: Finance: Consumer Services (156 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Credit Acceptance Corporation (CACC) ranks #335 by composite RQD confidence (63/100, grade C) and #245 by equity capitalization ($5.98B). Within this direct 5-issuer industry benchmark cohort, OMF leads on earnings valuation at 8.7x trailing P/E, while FIGR leads on capital efficiency and profitability with 21.9% ROIC and — gross margin. OMF currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CACC at 63/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| CACC
ACTIVE
Credit Acceptance Corporation | C | 63/100 | — | — | 0.0% | -19.26% | $5.98B | Benchmark Subject |
| WULF TeraWulf Inc. | E | 29/100 | — | — | -28.9% | -8.00% | $6.36B | /wulf-vs-cacc → |
| FIGR Figure Technology Solutions Inc. | D | 51/100 | 39.5x | — | 21.9% | -8.52% | $5.29B | /figr-vs-cacc → |
| OMF OneMain Holdings Inc. | C+ | 69/100 | 8.7x | — | 6.0% | -4.70% | $6.83B | /omf-vs-cacc → |
| RIOT Riot Platforms Inc. | E | 32/100 | — | — | -15.3% | -6.77% | $5.16B | /riot-vs-cacc → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000885550In its most recent audited fiscal period (FY2025, filed 2025-12-31), Credit Acceptance Corporation (CACC) reported GAAP revenue of $2.32B (+7.2% vs. FY2024 revenue of $2.16B , and +21.8% cumulative change since FY2023) , GAAP net income of $424, operating cash flow of $1.05B, and free cash flow of $1.05B (-7.3% YoY). On the balance sheet, CACC closed FY2025 with $8.63B in total assets against $3.20B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.32B | $424 | $1.05B | $1.05B | $8.63B | $3.20B |
| FY2024 (FY) | 2024-12-31 | $2.16B | $248 | $1.14B | $1.14B | $8.85B | $3.20B |
| FY2023 (FY) | 2023-12-31 | $1.90B | $286 | $1.20B | $1.12B | $3.29B | $769.2M |
3. CACC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs CACC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Credit Acceptance Corporation (NASDAQ: CACC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $464.89 (-19.26% 1D, market cap $5.98B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CACC ranks #335 in composite RQD confidence.
How does CACC compare to WULF and FIGR in the Financials sector?
Within the Financials sector (Finance: Consumer Services), CACC carries a Roarable C (63/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, WULF (TeraWulf Inc.) holds a E grade (29/100 RQD, P/E N/A, ROIC -28.9%, cap $6.36B) and FIGR (Figure Technology Solutions Inc.) posts a D grade (51/100 RQD, P/E 39.5x, ROIC 21.9%, cap $5.29B). Among the 5-stock peer group, OMF leads on earnings multiple (8.7x) while FIGR leads on capital efficiency (21.9% ROIC).
What are the biggest fundamental strengths and SEC risk factors for CACC?
Per CACC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000885550), Credit Acceptance Corporation generated $2.32B in revenue (+7.2% YoY), $424 in net income, and $1.05B in free cash flow against $8.63B in total assets and $3.20B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is CACC trading relative to its 50-day, 200-day, and 52-week technical levels?
CACC last traded at $464.89 (-19.26% on volume of 386,494 shares), positioning the stock -17.46% below its 50-day simple moving average ($563.25) and -13.72% below its 200-day simple moving average ($538.82). Across its 52-week range of $401.90 to $668.86, CACC sits at the 23.6% percentile with a 14-day RSI of 54.7 (NEUTRAL RANGE) and an implied next-earnings move of ±8.0% ($427.70 to $502.08).
CACC Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is CACC stock moving today?
Why CACC Stock dropped -19.26% Today — RQD Quant Desk Flash. Solid steady margins (0% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
ROARABLE RATING BRIEF • RQD 63/100 (C)
✓ STAGE-C NUMBER FIREWALL VERIFIED
CACC — Credit Acceptance Corporation: What the Facts Mean to a Prospective Investor
Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:19:33Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, CACC carries an RQD Score of 63, a letter grade of C, and the verdict label "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
- Fundamental Cash Engine: 11 / 20. Reported ROIC is 0%, while the FCF yield is 17.62%. The cash generation metric is strong relative to market value, but the return on invested capital metric is flat. An investor should weigh the high free-cash-flow yield against the absence of a measurable return on capital.
- Whale 13F Flow: 14 / 20. The rating reflects institutional accumulation and options positioning. This is a moderate-positive signal, with no further detail in the source data.
- Insider Conviction: 13 / 20. The rating reflects SEC Form 4 and Congressional PTR cluster flow. This is a moderate signal; the source data does not break out the direction or size of individual transactions.
- Macro Regime Fit: 10 / 20. Beta is 1.02, and the rating notes sector sensitivity. The stock moves roughly in line with the market, and the lowest-scoring pillar indicates limited alignment with the current macro regime.
- Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 8/9, and Debt/Equity is 0.5. These are the strongest pillar readings and support the view that the balance sheet is a relative strength.
Taken together, the rating is a middling score. The balance sheet and cash-flow yield offer support, while the flat ROIC, weak macro fit, and only moderate insider and institutional signals limit conviction. A prospective investor would be evaluating a balanced risk-reward profile rather than a clear-cut opportunity, and the valuation tradeoff is significant given the elevated EV/EBITDA shown below.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $2317.2M | $0.0M | $0.0M | N/A | $1053.0M | $22.8M | $3198.6M |
| FY 2024 | $2162.4M | $0.0M | $0.0M | N/A | $1136.1M | $343.7M | $3197.2M |
| FY 2023 | $1901.9M | $0.0M | $0.0M | N/A | $1118.2M | N/A | $769.2M |
Per the SEC financials, reported revenue rose from $1901.9M in FY 2023 to $2317.2M in FY 2025, while operating income and net income are reported as $0.0M in each period. Gross, operating, and net margins are each 0%, and ROIC is 0% per the market data. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, and the balance sheet shows Debt/Equity of 0.5. Cash declined from $343.7M in FY 2024 to $22.8M in FY 2025, while debt was broadly stable at $3198.6M and $3197.2M across those two years.
Recent Catalysts & News Wire Analysis
Per the recent news and catalysts section, six items are listed, related to CACC:
- Market wire items (YELLOW): Items from CNN, Stocktwits, and Simply Wall St are flagged as market wire coverage, along with a Seeking Alpha item covering the 2026 Q3 results and earnings call presentation dated 2026-10-29.
- Risk watch items (RED): Items from Yahoo Finance and TradingView are flagged as risk watch. The Yahoo Finance headline states that the shares are falling today, and the TradingView headline references a 19.3% decline following Q3 earnings.
- Proprietary signals: The Butterfly Supply-Chain Graph lists no proprietary signals.
The most salient catalyst in the feed is the post-Q3 earnings decline. Per the news wire, the shares fell 19.3% after Q3 earnings, while the market data shows the stock up 5.67% on the reporting day. The feed therefore contains both a negative earnings reaction and a same-day gain, and the source data does not reconcile the two.
Open Questions
- What are the company's reported P/E (TTM), forward P/E, and EPS, given that these fields are absent while the market data shows an EV/EBITDA of 95?
- Why are reported net income and operating income $0.0M in each fiscal year, and how does that reconcile with the 0% net margin and the 17.62% FCF yield?
- What drove the post-Q3 earnings decline described in the news wire, and how does it reconcile with the same-day 5.67% price change?
- Which institutional holders, insiders, or Congressional traders are behind the flow signals referenced in the RQD pillars, given that the holders section is empty?
- What explains the drop in cash from $343.7M in FY 2024 to $22.8M in FY 2025, and what is the company's plan for its $3198.6M debt load?
CACC Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Credit Acceptance Corporation (CACC) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE CNN • 8h ago
symbol__ Stock Quote Price and Forecast CNN report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Yahoo Finance • 11h ago
Why Credit Acceptance (CACC) shares are falling today Yahoo Finance report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Stocktwits • 14h ago
CACC: Credit Acceptance Corp. Latest Stock Price, Analysis, News and Trading Ideas Stocktwits report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH TradingView • 17h ago
Credit Acceptance Sinks 19.3% Post Q3 Earnings: What's Hurting CACC? TradingView report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Simply Wall St • 20h ago
Credit Acceptance (Nasdaq:CACC) - Stock Analysis Simply Wall St report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Seeking Alpha • 23h ago
Credit Acceptance Corporation 2026 Q3 - Results - Earnings Call Presentation (NASDAQ:CACC) 2026-10-29 Seeking Alpha report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Moomoo • 1d ago
Earnings Flash (CACC) Credit Acceptance Corporation Posts Q3 Adjusted EPS $13.01 per Share, Vs. FactSet Est of $12.86 Moomoo report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Yahoo • 1d ago
Credit Acceptance Stock After A Net Loss And Lower Cash Flow Outlook Credit Acceptance reported third quarter 2026 revenue of US$594.6 million, but moved from net income of US$108.2 million a year earlier to a net loss of US$56.6 million as weaker loan collections cut into profitability.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
CACC Bull vs. Bear Conversation Board — What's Your Call at $464.89?
🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CACC 🐻 50% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST
🎯 Target: $621.84 (+8.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is CACC (C • RQD 63/100) a Buy at $575.78?
Welcome to the CACC (Credit Acceptance Corporation) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
FO ForensicBear Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $431.84 (-25.0%)
Spot @ $575.78 Pump the brakes on CACC — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on CACC, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Credit Acceptance Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH
🎯 Target: $737.00 (+28.0%)
Spot @ $575.78 CACC cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on CACC, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $575.78 (52-wk range $401.90 - $668.86), any beat on forward guidance forces shorts and underweight funds to chase.