CACC (Credit Acceptance) Growth Rank: 3 (As of Sep. 20, 2026) — 70% Below Median

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CACC Credit Acceptance Corp CACC
73 GF Score
Price $577.97
GF Value $588.88
Valuation Fairly Valued
! 10 Warning Signs
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What is Credit Acceptance Growth Rank?

Credit Acceptance CACC -2.15% 73 Growth Rank is 3 as of Sep. 20, 2026, which is 70% below its 10-year median of 10.00. GuruFocus rates CACC with a GF Score™ of 73/100 and a GF Value™ of $588.88 (Fairly Valued). The stock has 10 warning signs investors should review.

Credit Acceptance has the Growth Rank of 3.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Credit Acceptance Growth Rank Related Terms

CACC vs ENVA, KLAR, OMF: Growth Rank Comparison

For the Credit Services subindustry, Credit Acceptance's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Credit Acceptance's Growth Rank distribution charts can be found below:

* The bar in red indicates where Credit Acceptance's Growth Rank falls into.


CACC
73GF Score
Credit Acceptance Corp CACC
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 3 mean?
Credit Acceptance (CACC) has a Growth Rank of 3 as of Sep. 20, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Credit Acceptance and its competitors. This is 70% below median its historical median of 10.00. Over the past decade, Credit Acceptance's Growth Rank has ranged from 3.00 to 10.00.
Is Credit Acceptance's Growth Rank too high?
Credit Acceptance's current Growth Rank of 3 is 70% below median its 10-year median of 10.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 10.00. 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 Growth Rank compare to ENVA and KLAR?
Credit Acceptance's Growth Rank of 3 can be compared against companies in the Credit Services industry. Historically, Credit Acceptance's own Growth Rank has ranged from 3.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Credit Acceptance and its competitors. Credit Acceptance's current Growth Rank is 3, which is 70% below median its own 10-year median of 10.00. 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 $588.88, compared to a current price of $577.97 — trading 1.9% below its estimated fair value. The current Growth Rank is 3, which is 70% below median its 10-year median of 10.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Credit Acceptance (CACC), the current Growth Rank is 3 as of Sep. 20, 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 $577.97 is trading 1.9% below its estimated GF Value™ of $588.88. GuruFocus considers Credit Acceptance to be Fairly Valued.

Key valuation signals for CACC:

  • Growth Rank: 3 (70% below median its 10-year median of 10.00)
  • GF Value™: $588.88 vs. price of $577.97 (1.9% below fair value)
  • GF Score™: 73/100 with 10 warning signs

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 Business Description

Other Exchanges 2D5:Germany
Address 25505 West Twelve Mile Road, Southfield, MI, USA, 48034-8339
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

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$577.97
Price
$588.88
GF Value