A Look At Credit Acceptance (CACC) Valuation After Extending Its $100 Million ABS Facility

Simply Wall St.

01/27

Credit Acceptance (CACC) recently amended its Term ABS 2021-1 facility, extending the $100.0 million asset-backed non-recourse financing to January 18, 2028, and reducing the spread to SOFR plus 140 ...

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See our latest analysis for Credit Acceptance. The financing extension and the planned retirements of the Chief Analytics Officer and Chief Sales Officer come against a mixed backdrop, with a 1-day share price return of 1.69% set against a 90-day share price return decline of 8.34% and a 1-year total shareholder return decline of 13.58%. This suggests that shorter term momentum has softened while longer term returns have been modest but positive over five years. If this kind of funding update has you thinking about where else capital might be working hard, it could be a good moment to widen your search with fast growing stocks with high insider ownership. With Credit Acceptance shares at $452.95, recent annual revenue of $1.23b and net income of $453.8m, the key question is whether today’s price leaves room for upside or if the market is already pricing in future growth. AdvertisementMost Popular Narrative: 1% Undervalued The most followed narrative pegs Credit Acceptance’s fair value at about $458 per share, sitting slightly above the last close at $452.95, and builds a detailed case around growth, margins and capital returns.  A record-high loan portfolio despite recent origination and collection headwinds, combined with active share repurchases, positions the company for strong per-share earnings growth if collections stabilize and loan performance improves as projected.  Read the complete narrative. Curious what sits behind that fair value? Revenue lines growing faster than the wider market, margins reset lower, and a future earnings multiple that has to do some work. Want to see exactly how those moving parts are wired together? Result: Fair Value of $458 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, this hinges on loan performance and competition not worsening. Weaker recent vintages or further share loss in subprime auto could quickly undermine that fair value case. Find out about the key risks to this Credit Acceptance narrative. Another View: Cash Flows Point the Other Way There is a wrinkle. While the popular narrative suggests Credit Acceptance looks slightly undervalued, our DCF model, which prices the stock at $288.02 based on projected future cash flows, indicates the current $452.95 share price appears overvalued. So which signal should carry more weight: sentiment or cash flows? Look into how the SWS DCF model arrives at its fair value. CACC Discounted Cash Flow as at Jan 2026Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Credit Acceptance for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover 888 undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.  Build Your Own Credit Acceptance Narrative If you look at the numbers and reach a different conclusion, or simply prefer to test your own assumptions, you can sketch out a custom narrative in just a few minutes with Do it your way. A great starting point for your Credit Acceptance research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision. Looking for more investment ideas? If Credit Acceptance has you thinking harder about where your next dollar should go, do not stop here. Widen the funnel and pressure test more ideas.  Target higher potential income streams by scanning these 13 dividend stocks with yields > 3% that may suit a portfolio focused on steady cash returns. Explore technology-related opportunities by checking out these 23 AI penny stocks that link artificial intelligence themes to listed companies. Look for potential mispriced opportunities with these 888 undervalued stocks based on cash flows that screen for stocks where cash flow metrics appear out of sync with current prices.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}