Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-08-27), Credit Acceptance's 3-1 Month Momentum % is 4.00%.
The industry rank for Credit Acceptance's 3-1 Month Momentum % or its related term are showing as below:
CACC's 3-1 Month Momentum % is ranked better than 61.65% of 558
companies
in the Credit Services industry
Industry Median: 0.435
vs CACC: 4.00
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 3-1 Month Momentum % measures the total return to a stock over the past three 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 3-1 Month Momentum % Related Terms
CACC vs ENVA, KLAR, SEZL: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Credit Acceptance's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's 3-1 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 3-1 Month Momentum % of 4.00% as of Aug. 27, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Credit Acceptance and its competitors. According to the industry distribution chart, Credit Acceptance ranks #214 out of 558 companies in the Credit Services industry, placing it in the top 38.4%.
Is Credit Acceptance's 3-1 Month Momentum % too high?
Credit Acceptance's current 3-1 Month Momentum % is 4.00%. The Credit Services industry median 3-1 Month Momentum % is 0.44. Credit Acceptance's value of 4.00% is 819.5% above this industry median. Based on the distribution chart, Credit Acceptance ranks #214 out of 558 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 3-1 Month Momentum % compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #214 out of 558 companies for 3-1 Month Momentum %. This puts Credit Acceptance in the upper half of its industry. The industry median 3-1 Month Momentum % is 0.44. Credit Acceptance's value of 4.00% is 819.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
The median 3-1 Month Momentum % among Credit Services companies is 0.44, based on 558 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current 3-1 Month Momentum % of 4.00% is 819.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median 3-1 Month Momentum % is 0.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current 3-1 Month Momentum % is 4.00%. 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 $592.50, compared to a current price of $599.85 — trading 1.2% above its estimated fair value. The current 3-1 Month Momentum % is 4.00% and 819.5% above the Credit Services industry median of 0.44. Credit Acceptance's overall GF Score™ is 73/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Credit Acceptance (CACC), the current 3-1 Month Momentum % is 4.00% as of Aug. 27, 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 overvalued.
The current stock price of $599.85 is trading 1.2% above its estimated GF Value™ of $592.50.
GuruFocus considers Credit Acceptance to be Fairly Valued.
Key valuation signals for CACC:
3-1 Month Momentum %: 4.00%
GF Value™: $592.50 vs. price of $599.85 (1.2% above fair value)
Industry Position: 819.5% above the Credit Services median (#214 of 558)
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
Get the complete analysis for CACC
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CACC has been successfully added to your 
