Credit Acceptance Corp. (CACC) intrinsic value & 10-year financials
Credit Acceptance Corp. (CACC) has a Graham intrinsic value of $768.97 per share. At $540.98 on Oct 17, 2026, the stock trades 30% below that value. Over the last 10 fiscal years revenue grew 10.2% a year to $2.3B, with an average return on invested capital of 27.8%.
- Graham intrinsic value
- $768.97
- Share price (Oct 17, 2026)
- $540.98
- Price vs Graham value
- 30% below
- Market cap
- $6.3B
- Revenue (FY2025)
- $2.3B
- Revenue growth (10-yr CAGR)
- 10.2%
- ROIC (10-yr avg)
- 27.8%
- Free cash flow (FY2025)
- $1.1B
CACC 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $2.3B | $423.9M | $36.38 | $1.1B | — | 25.9% |
| FY2024 | $2.2B | $247.9M | $19.88 | $1.1B | — | 14.2% |
| FY2023 | $1.9B | $286.1M | $21.99 | $1.2B | — | 16.9% |
| FY2022 | $1.8B | $535.8M | $39.32 | $1.2B | — | 31.1% |
| FY2021 | $1.9B | $958.3M | $59.52 | $1.1B | — | 46.4% |
| FY2020 | $1.7B | $421.0M | $23.47 | $976.7M | — | 18.1% |
| FY2019 | $1.5B | $656.1M | $34.57 | $785.5M | — | 30.2% |
| FY2018 | $1.3B | $574.0M | $29.39 | $678.8M | — | 32.6% |
| FY2017 | $1.1B | $470.2M | $24.04 | $557.6M | — | 34.7% |
| FY2016 | $969.2M | $332.8M | $16.31 | $501.7M | — | 28.4% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
CREDIT ACCEPTANCE CORP is a consistent compounder, expanding top-line revenue at 10.2% annually over the past decade.
CREDIT ACCEPTANCE CORP 10-year average ROIC is N/A; capital efficiency cannot be assessed from the available history.
Over the decade, CREDIT ACCEPTANCE CORP shows that management has aggressively returned capital to shareholders by retiring 42.9% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, CREDIT ACCEPTANCE CORP is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $768.97 per share.