CACC
Credit Acceptance CorporationFinancial Services · $5.5B market cap
Verdict
Share price
$527.50
close of Oct 3, 2026
Fair value
$687.65
Sticker Price
Payback Price
$275.06
buy price
CACC is Undervalued: at $527.50 it trades 23% below its fair value of $687.65. Its buy price (Payback Price) is $275.06, 48% below today's price. Business quality is strong: all 5 key numbers clear the 10% bar.
How we valued it
Justified P/B (Financials). Most of its income comes from lending, so we value it like a bank: on its book value and how much it earns on it.
Business quality
5 of 5 clear the 10% bar. What are the Big Five?
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2 of the investors we track hold CACC. In Q2 2026, 2 trimmed. Who we track
Robert Vinall
RV Capital GmbH · as of Q2 2026
$68.9M
108,272 shares
Ruane Cunniff LP
Ruane Cunniff LP · as of Q2 2026
$3.4M
5,279 shares
Moves in Q2 2026
Trimmed: Ruane Cunniff LP, Robert Vinall
Insider activity
Since Jun 16, 2026: no open-market purchases, 83 sales worth $28.5M and 17 other filings (stock awards, tax withholding and similar). Why purchases matter
Sales
Watson Jill Foss
Owns 10%+ · 2026-07-16
Sold
$1K
Watson Jill Foss
Owns 10%+ · 2026-07-16
Sold
$293K
Watson Jill Foss
Owns 10%+ · 2026-07-16
Sold
$625K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$67K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$366K
Show all 83 salesShow fewer
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$783K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$976K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$733K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$53K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$54K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$540K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$334K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$120K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$103K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$115K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$569K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$535K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$450K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$676K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$291K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$268K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$34K
Watson Jill Foss
Owns 10%+ · 2026-07-02
Sold
$119K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$152K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$723K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$631K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$192K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$798K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$493K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$364K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Sold
$248K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$76K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$114K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$205K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$227K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$11K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$430K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$282K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Sold
$108K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$151K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$227K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$115K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$151K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$72K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$397K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$16K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$174K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$211K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Sold
$329K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-25
Sold
$151K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-25
Sold
$151K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-25
Sold
$15K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-25
Sold
$83K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-25
Sold
$342K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$212K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$151K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$123K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$192K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$496K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$975K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$1.4M
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Sold
$1.6M
Elliott Nicholas J
Chief Transformation Officer · 2026-06-24
Sold
$106K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-24
Sold
$214K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-24
Sold
$758K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-24
Sold
$1.0M
Martin Jay D
Chief Financial Officer · 2026-06-24
Sold
$98K
Martin Jay D
Chief Financial Officer · 2026-06-24
Sold
$251K
Martin Jay D
Chief Financial Officer · 2026-06-24
Sold
$443K
Martin Jay D
Chief Financial Officer · 2026-06-24
Sold
$1.0M
LUM JONATHAN
Chief Operating Officer · 2026-06-24
Sold
$3.6M
Martin Jay D
Chief Financial Officer · 2026-06-17
Sold
$575
Martin Jay D
Chief Financial Officer · 2026-06-17
Sold
$582
KERBER ERIN J
Chief Legal Officer · 2026-06-17
Sold
$576
KERBER ERIN J
Chief Legal Officer · 2026-06-17
Sold
$582
Elliott Nicholas J
Chief Transformation Officer · 2026-06-17
Sold
$1K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-17
Sold
$582
KERBER ERIN J
Chief Legal Officer · 2026-06-16
Sold
$2K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-16
Sold
$581
Elliott Nicholas J
Chief Transformation Officer · 2026-06-16
Sold
$5K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-16
Sold
$7K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-16
Sold
$6K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-16
Sold
$2K
Other filings
Prescott General Partners LLC
Owns 10%+ · 2026-07-02
J-Other
$6.5M
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Option exercise
$807K
KERBER ERIN J
Chief Legal Officer · 2026-06-26
Option exercise
$1.5M
Elliott Nicholas J
Chief Transformation Officer · 2026-06-26
Option exercise
$770K
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Option exercise
$414K
Show all 17 other filingsShow fewer
KERBER ERIN J
Chief Legal Officer · 2026-06-25
Option exercise
$771K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-25
Option exercise
$395K
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Option exercise
$1.2M
KERBER ERIN J
Chief Legal Officer · 2026-06-24
Option exercise
$2.3M
Elliott Nicholas J
Chief Transformation Officer · 2026-06-24
Option exercise
$1.2M
Martin Jay D
Chief Financial Officer · 2026-06-24
Option exercise
$1.0M
LUM JONATHAN
Chief Operating Officer · 2026-06-24
Option exercise
$2.0M
Martin Jay D
Chief Financial Officer · 2026-06-17
Option exercise
$668
KERBER ERIN J
Chief Legal Officer · 2026-06-17
Option exercise
$668
Elliott Nicholas J
Chief Transformation Officer · 2026-06-17
Option exercise
$1K
KERBER ERIN J
Chief Legal Officer · 2026-06-16
Option exercise
$9K
Elliott Nicholas J
Chief Transformation Officer · 2026-06-16
Option exercise
$12K
About Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle…
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works