2D5 Stock Chart & Stats
€505.00
-€2.00(-0.42%)
At close: 4:00 PM EDT
€505.00
-€2.00(-0.42%)
Day’s Range― - ―
52-Week Range€350.00 - €570.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€4.97B
Enterprise Value€12.62B
Total Cash (Recent Filing)€1.40M
Total Debt (Recent Filing)€6.29B
Price to Earnings (P/E)11.5
Beta0.38
Next Earnings
Nov 02, 2026EPS Estimate
11.48Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)46.41
Shares Outstanding10,380,580
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)3.22
Price to Sales (P/S)2.12
P/FCF Ratio4.67
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€525.86Price Target Upside4.13% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)43.27
Revenue Forecast (FY)€2.11B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistently strong operating and free cash flow indicates that reported profitability is supported by cash, not merely accounting gains. This provides capacity to fund receivables, service obligations, invest in underwriting capabilities, and maintain financial flexibility through the next several quarters.
Broadening Dealer NetworkA larger active dealer network strengthens CACC’s origination reach in its specialized subprime market and can support durable loan volume when dealer engagement improves. Record dealer participation also gives the company more data and distribution opportunities for disciplined underwriting and pricing.
Improved Funding FlexibilityExtending secured funding maturities reduces near-term refinancing pressure and supports continued financing of auto receivables. Maintaining sizeable facilities with established counterparties improves liquidity planning and gives CACC greater flexibility to pursue profitable originations across the next two to six months.
Bears Say
Regulatory ObligationsThe settlement creates lasting compliance and operating obligations, including tighter collection protocols, expanded disclosures, affordability protections, and dealer oversight. Even with costs covered by existing accruals, these changes may increase execution complexity and constrain practices across the lending platform.
Prepayment And Provision PressurePersistent prepayment timing weakness makes portfolio cash-flow forecasts less predictable and increases uncertainty around provisions. Because CACC’s earnings depend on collecting and servicing consumer receivables, prolonged changes in repayment behavior can complicate underwriting, pricing, and future profit planning.
Leverage And Earnings VolatilityHistorically elevated leverage increases financial sensitivity in a credit-focused business, while volatile margins make normalized earnings harder to assess. Although TTM debt is reported at zero, the sharp discontinuity from prior years reduces confidence that the improved balance-sheet profile represents a stable trend.
Credit Acceptance News
2D5 FAQ
What was Credit Acceptance Corp.’s price range in the past 12 months?
Credit Acceptance Corp. lowest stock price was €350.00 and its highest was €570.00 in the past 12 months.
What is Credit Acceptance Corp.’s market cap?
Credit Acceptance Corp.’s market cap is €4.97B.
When is Credit Acceptance Corp.’s upcoming earnings report date?
Credit Acceptance Corp.’s upcoming earnings report date is Nov 02, 2026 which is in 25 days.
How were Credit Acceptance Corp.’s earnings last quarter?
Credit Acceptance Corp. released its earnings results on Aug 04, 2026. The company reported €10.814 earnings per share for the quarter, missing the consensus estimate of €10.884 by -€0.07.
Is Credit Acceptance Corp. overvalued?
According to Wall Street analysts Credit Acceptance Corp.’s price is currently Undervalued.
Does Credit Acceptance Corp. pay dividends?
Credit Acceptance Corp. does not currently pay dividends.
What is Credit Acceptance Corp.’s EPS estimate?
Credit Acceptance Corp.’s EPS estimate is 11.48.
How many shares outstanding does Credit Acceptance Corp. have?
Credit Acceptance Corp. has 10,380,580 shares outstanding.
What happened to Credit Acceptance Corp.’s price movement after its last earnings report?
Credit Acceptance Corp. reported an EPS of €10.814 in its last earnings report, missing expectations of €10.884. Following the earnings report the stock price went up 3.061%.
Which hedge fund is a major shareholder of Credit Acceptance Corp.?
Currently, no hedge funds are holding shares in DE:2D5
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Credit Acceptance Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
€525.86 (4.13% Upside)
€525.86 (4.13% Upside)
Blogger Sentiment
Neutral
DE:2D5 Sentiment 50%
Sector Average 63%
Sector Average 63%
Insider Transactions
Sold Shares
Worth €7.2M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.02%
12-Months-Change
Fundamentals
Return on Equity
32.35%
Trailing 12-Months
Asset Growth
-1.17%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Credit Acceptance Corp.
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 service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
2D5 Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed materially positive near-term financial results—strong GAAP and adjusted earnings growth, improving origination trends (monthly unit growth in June/July), record active dealer counts, modest loan-dollar growth, and strengthened liquidity—while acknowledging persistent but moderating credit and timing headwinds. Management emphasized disciplined, data-driven improvements (pricing, segmentation, AI tooling) and called the transformation early but showing tangible results. Key risks highlighted include slower-than-expected prepayments (continuing to pressure provisions), modest underperformance in the 2025 vintage, and unit/per-dealer activity still below peak. On balance, the positive operational momentum and significant earnings improvement outweigh the measured portfolio challenges.View all DE:2D5 earnings summaries2D5 Revenue Breakdown
92.30% Finance charges
4.19% Premiums earned
3.52% Other
2D5 Stock 12 Month Forecast
Average Price Target
€525.86
▲(4.13% Upside)