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12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-09-21), Credit Acceptance's 12-1 Month Momentum % is 13.14%.
The industry rank for Credit Acceptance's 12-1 Month Momentum % or its related term are showing as below:
CACC's 12-1 Month Momentum % is ranked better than 72.11% of 570
companies
in the Credit Services industry
Industry Median: -7.13
vs CACC: 13.14
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Credit Acceptance 12-1 Month Momentum % Related Terms
CACC vs ENVA, KLAR, OMF: 12-1 Month Momentum % Comparison
For the Credit Services subindustry, Credit Acceptance's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Acceptance 12-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's 12-1 Month Momentum % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Acceptance (CACC) has a 12-1 Month Momentum % of 13.14% as of Sep. 21, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Credit Acceptance and its competitors. According to the industry distribution chart, Credit Acceptance ranks #159 out of 570 companies in the Credit Services industry, placing it in the top 27.9%.
Is Credit Acceptance's 12-1 Month Momentum % too high?
Credit Acceptance's current 12-1 Month Momentum % is 13.14%. Based on the distribution chart, Credit Acceptance ranks #159 out of 570 companies in the Credit Services industry, which is above the industry midpoint. Overall, Credit Acceptance has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Acceptance's 12-1 Month Momentum % compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #159 out of 570 companies for 12-1 Month Momentum %. This puts Credit Acceptance in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Credit Services company?
A good 12-1 Month Momentum % depends on the Credit Services industry context. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Credit Acceptance and its competitors. Credit Acceptance's current 12-1 Month Momentum % is 13.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Acceptance stock overvalued right now?
Based on GuruFocus' analysis, Credit Acceptance (CACC) is currently considered Fairly Valued. The stock's GF Value™ is $585.05, compared to a current price of $564.27 — trading 3.6% below its estimated fair value. The current 12-1 Month Momentum % is 13.14%. Credit Acceptance's overall GF Score™ is 73/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Credit Acceptance (CACC), the current 12-1 Month Momentum % is 13.14% as of Sep. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Acceptance (CACC) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be undervalued.
The current stock price of $564.27 is trading 3.6% below its estimated GF Value™ of $585.05.
GuruFocus considers Credit Acceptance to be Fairly Valued.
Key valuation signals for CACC:
12-1 Month Momentum %: 13.14%
GF Value™: $585.05 vs. price of $564.27 (3.6% below fair value)
No single metric tells the full story. See the CACC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far a source of revenue.
73GF Score
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