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CACC

Credit Acceptance Corporation
Chart
568.91 USD
Latest Week 2026-07-31
Financial ServicesCredit ServicesMID
Snapshot 2026-07-26 · 0.9w · Fresh
0.82
OS Score
68.0%
Value
95.0%
Quality
35.0%
Momentum
7/9
F-Score
0.804
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
7 of 23 passing
★
OS Composite
OS 0.820
↗
Trending Value
✗
◆
Quality × Value
QV 0.804
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 13.2
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
11.6%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 21%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.69
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
68.0%ile
P/E
13.2×
P/S
2.6×
P/B
4.0×
E/P
0.0651
FCF Yield
0.085
EBITDA/EV
0.067
SH Yield
0.116
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
34.00000000
/100 — 1=cheapest
VC2 (Trending Value)
25.00000000
/100
VC3 (Buyback)
26.00000000
/100
FCF yield of 8.5% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
95.0%ile
ROE
0.299
ROA
0.052
Net Margin
0.196
Op Margin
0.349
GPA
0.214
D/E
4.74
Current
20.57
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.053
Earn Growth
0.564
Stability
0.661
lower=better
Accruals
-0.069
lower=better
5yr Consist
No
ROE of 30% is exceptional. Highly leveraged with D/E of 4.74 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
35.0%ile
6M Return
28.9%
12M Return
10.3%
12-1 Mom
20.8%
Risk-Adj
0.50
Vol 252d
41.7%
Vol 60d
89.9%
↑ Expanding
Max DD 12M
-20.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 21% is very strong — a clear uptrend. Near-term vol (90%) is expanding vs long-term (42%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.82
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
26.5%
Sector Quality %ile
97.4%
P/E z-score
-0.14
P/B z-score
0.00
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
SBFG SB Financial Group Inc 98.0% 96.0% 93.0% 76.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 79.0%
IX Orix Corp Ads 98.0% 97.0% 82.0% 91.0%
Factor Interactions
Strong Capital Return
Shareholder yield 11.6% backed by 8.5% FCF yield. Returns are well-funded.
Leveraged Returns
Strong ROE (30%) boosted by high leverage (D/E 4.7). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (90%) significantly exceeds 252-day (42%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
67.5% avg (7 factors)
Quality
B
65.5% avg (8 factors)
Momentum
C
54.2% avg (4 factors)
Risk
C
47.1% avg (1 factors)
This stock sits in the O'Shaughnessy sweet spot — cheap AND high quality. Historically, this combination has generated the strongest long-term returns.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.820—3—
Value %ile0.680—0—
Quality %ile0.950—8—
Momentum %ile0.350—0—
F-Score7.000—8—
Confidence0.929—8—
Volatility0.417—8—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
13.24
Earnings Yield (E/P)
0.0651
Price / Sales
2.60
Price / Book
3.97
Price / Cash Flow
5.69
FCF Yield
8.5%
EBITDA / EV
6.7%
Sales Yield (1/P·S)
0.1866
Shareholder Yield
Div + net buyback / mktcap
11.6%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
29.9%
Return on Assets
5.2%
Net Margin
19.6%
Operating Margin
34.9%
Gross Profit / Assets
Novy-Marx GPA
21.4%
Debt / Equity
4.74
Current Ratio
20.57
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.069
External Financing
Net issuance — lower=better
0.090
MomentumPrice trend strength over different horizons
6M Return
28.9%
12M Return
10.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
20.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.50
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
5.3%
Earnings Growth (YoY)
56.4%
Earnings Stability (CV)
Lower = more stable
0.661
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
7
Buyback Yield
11.6%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
34
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
25
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
26
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity