CACC
Credit Acceptance
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CACC
- PE Ratio
As of Jun 25, 2026, the CACC stock has a PE ratio of 15.26. The calculation is based on the latest EPS of $40.88 and the stock price of $623.7 per share. An increase of 24% has been observed in the PE ratio compared to its average of 12.3 of the last four quarters.
CACC PE ratio history
The mean historical PE ratio of Credit Acceptance over the last ten years is 15.2. The current 15.26 P/E ratio is similar to the historical average. Looking back at the last ten years, CACC's PE ratio peaked in the Jun 2024 quarter at 36.53, with a price of $514.68 and an EPS of $14.09. The Jun 2021 quarter marked the lowest point at 8.73, with a price of $454.11 and an EPS of $52.
Credit Acceptance PE ratio by year
Maximum annual increase: 100.83% in 2023
Maximum annual decrease: -48.65% in 2025
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.98 | -48.65% | $443.46 | $37.02 |
| 2024 | 23.33 | -3.28% | $469.46 | $20.12 |
| 2023 | 24.12 | 100.83% | $532.73 | $22.09 |
| 2022 | 12.01 | 4.07% | $474.4 | $39.5 |
| 2021 | 11.54 | -21.44% | $687.68 | $59.57 |
| 2020 | 14.69 | 15.31% | $346.14 | $23.57 |
| 2019 | 12.74 | -1.47% | $442.33 | $34.71 |
| 2018 | 12.93 | -3.58% | $381.76 | $29.52 |
| 2017 | 13.41 | 0.9% | $323.48 | $24.12 |
| 2016 | 13.29 | -10.87% | $217.51 | $16.37 |
| 2015 | 14.91 | 30.67% | $214.02 | $14.35 |
| 2014 | 11.41 | -6.86% | $136.41 | $11.96 |
| 2013 | 12.25 | 4.26% | $129.99 | $10.61 |
| 2012 | 11.75 | 2.09% | $101.68 | $8.65 |
| 2011 | 11.51 | 6.18% | $82.28 | $7.15 |
Credit Acceptance PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 10.36 | -13.52% | $423.46 | $40.88 |
| Dec 2025 | 11.98 | -1.72% | $443.46 | $37.02 |
| Sep 2025 | 12.19 | -15.99% | $466.93 | $38.3 |
| Jun 2025 | 14.51 | -33.35% | $509.43 | $35.1 |
| Mar 2025 | 21.77 | -6.69% | $516.35 | $23.72 |
| Dec 2024 | 23.33 | -20.86% | $469.46 | $20.12 |
| Sep 2024 | 29.48 | -19.3% | $443.42 | $15.04 |
| Jun 2024 | 36.53 | 29.95% | $514.68 | $14.09 |
| Mar 2024 | 28.11 | 16.54% | $551.55 | $19.62 |
| Dec 2023 | 24.12 | 27.82% | $532.73 | $22.09 |
| Sep 2023 | 18.87 | -5.46% | $460.12 | $24.39 |
| Jun 2023 | 19.96 | 45.27% | $507.93 | $25.45 |
| Mar 2023 | 13.74 | 14.4% | $436.04 | $31.74 |
| Dec 2022 | 12.01 | 21.56% | $474.4 | $39.5 |
| Sep 2022 | 9.88 | 11.89% | $438 | $44.34 |
CACC Price vs fair value
CACC average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
CACC's current PE ratio is higher than the 10-year average, but it is lower than its 3 and 5-year averages.
PE comparison
Credit Acceptance's price to earnings (P/E) of 15.26 is higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 12.98, Credit Acceptance's price to earnings (P/E) is 18% higher.
CACC PE vs peers
In comparison to its peer FNMA, CACC's PE ratio is lower, but it is higher than ALLY's and RM's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| RM Regional Management Corp | 7.59 | $365.75M |
| ALLY Ally Financial Inc | 11.3 | $14.34B |
| ASPS Altisource Portfolio Solutions SA | 14.9 | $80.64M |
| CACC Credit Acceptance Corp | 15.48 | $6.62B |
| FNMA Federal National Mortgage Association Fannie Mae | 728 | $8.43B |
Frequently asked questions
What is Credit Acceptance's PE ratio?
CACC's price to earnings ratio is 15.26 as of Jun 25, 2026.
What is the 3-year average PE ratio for Credit Acceptance (CACC)?
Over the last 3 years, the average price to earnings ratio for CACC stock is 20.93.
What is the 5-year average PE ratio for Credit Acceptance (CACC)?
Over the last 5 years, the average price to earnings ratio for CACC stock is 16.77.
What is the highest PE ratio for CACC?
Over the last ten years, the Jun 2024 quarter recorded the highest quarterly PE ratio at 36.53.
How does the current PE ratio for CACC compare to its historical average?
CACC's current price to earnings ratio is 0.4% above its 10-year historical average.
How is CACC's PE ratio calculated (Credit Acceptance PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months EPS. As of today (Jun 25, 2026), Credit Acceptance's share price is $623.7. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $40.88. Therefore, Credit Acceptance's PE ratio for today is 15.26. PE RATIO(15.26) = STOCK PRICE($623.7) / TTM EPS($40.88)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.