CACC
Credit Acceptance Corporation Financial Services - Auto Lending Investor Relations →
Credit Acceptance Corporation (CACC) closed at $431.18 as of 2026-03-20, trading 11.4% below its 200-week moving average of $486.66. This places CACC in the extreme value zone. The stock is currently moving closer to the line, down from -8.1% last week. The 14-week RSI sits at 43, indicating neutral momentum.
Trading volume is running at 1.4x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.37 ratio) is neutral — neither side is clearly dominating.
Over the past 1715 weeks of data, CACC has crossed below its 200-week moving average 23 times. On average, these episodes lasted 20 weeks. Historically, investors who bought CACC at the start of these episodes saw an average one-year return of +30.9%.
With a market cap of $4.8 billion, CACC is a mid-cap stock. Return on equity stands at 25.9%, indicating strong profitability. The stock trades at 3.0x book value.
The company has been aggressively buying back shares, reducing its share count by 16.3% over the past three years.
Over the past 32.9 years, a hypothetical investment of $100 in CACC would have grown to $5504, compared to $2594 for the S&P 500. That represents an annualized return of 12.9% vs 10.4% for the index — confirming CACC as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -5.2% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: CACC vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After CACC Crosses Below the Line?
Across 22 historical episodes, buying CACC when it crossed below its 200-week moving average produced an average return of +29.4% after 12 months (median +10.0%), compared to +18.4% for the S&P 500 over the same periods. 65% of those episodes were profitable after one year. After 24 months, the average return was +75.3% vs +36.0% for the index.
Each line shows $100 invested at the moment CACC crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
CACC has crossed below its 200-week MA 23 times with an average 1-year return of +30.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Mar 1997 | Apr 2001 | 214 | 72.0% | -46.9% | +2312.2% |
| Dec 2002 | May 2003 | 22 | 29.0% | +121.5% | +6433.0% |
| Jul 2005 | Jul 2005 | 1 | 4.7% | +100.6% | +3295.1% |
| Sep 2007 | Sep 2007 | 1 | 3.8% | -11.7% | +1973.0% |
| Oct 2007 | May 2008 | 28 | 37.0% | -20.9% | +2123.7% |
| Jun 2008 | Mar 2009 | 38 | 43.1% | +4.6% | +1928.1% |
| Apr 2009 | Apr 2009 | 1 | 1.1% | +114.8% | +1904.6% |
| May 2009 | Jun 2009 | 4 | 6.4% | +117.7% | +1959.1% |
| Mar 2020 | May 2020 | 10 | 35.8% | +41.2% | +66.9% |
| Sep 2020 | Mar 2021 | 25 | 19.9% | +78.0% | +27.6% |
| Mar 2021 | Apr 2021 | 6 | 4.9% | +41.7% | +18.2% |
| Sep 2022 | Nov 2022 | 6 | 7.7% | +5.1% | -1.6% |
| Dec 2022 | Dec 2022 | 1 | 4.1% | +15.6% | -2.6% |
| Jan 2023 | Jan 2023 | 3 | 12.9% | +32.8% | +7.2% |
| Feb 2023 | Apr 2023 | 7 | 14.0% | +22.4% | -4.2% |
| May 2023 | May 2023 | 4 | 6.4% | +12.4% | -4.2% |
| Sep 2023 | Dec 2023 | 11 | 12.6% | -2.7% | -6.3% |
| May 2024 | Jun 2024 | 4 | 2.4% | -0.9% | -10.4% |
| Jul 2024 | Jan 2025 | 25 | 16.0% | -6.8% | -10.2% |
| Feb 2025 | Jun 2025 | 19 | 9.2% | N/A | -13.0% |
| Jul 2025 | Aug 2025 | 5 | 11.5% | N/A | -13.6% |
| Sep 2025 | Jan 2026 | 20 | 14.5% | N/A | -9.1% |
| Feb 2026 | Ongoing | 6+ | 11.4% | Ongoing | -10.9% |
| Average | 20 | — | +30.9% | — |
Frequently Asked Questions
Is CACC below its 200-week moving average?
Yes. As of 2026-03-20, Credit Acceptance Corporation (CACC) is trading 11.4% below its 200-week moving average of $486.66. The current price is $431.18.
What is CACC's 200-week moving average price?
Credit Acceptance Corporation's 200-week moving average is $486.66 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when CACC drops below its 200-week moving average?
CACC has crossed below its 200-week moving average 23 times in our data. On average, buying at that moment produced a one-year return of +30.9%. These dips have historically been decent entry points. These episodes lasted 20 weeks on average.
Is CACC a good value right now?
Here's what our data says about CACC as of 2026-03-20: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 43. Return on equity is 25.9%. Price-to-book is 3.0x. This is not a buy or sell recommendation — always do your own research.
How does CACC compare to the S&P 500?
Over the past 32.9 years, $100 invested in CACC would have grown to $5504, compared to $2594 for the S&P 500. That's 12.9% annualized vs 10.4% for the index. CACC has outperformed the broader market over this period.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20