CACC
Credit Acceptance Corporation Financial Services - Auto Lending Investor Relations →
Credit Acceptance Corporation (CACC) closed at $579.73 as of 2026-06-19, trading 19.5% above its 200-week moving average of $485.30. The stock moved further from the line this week, up from 12.9% last week. With a 14-week RSI of 72, CACC is in overbought territory.
A big jump in activity this week — 2.7x the usual volume, and the price went up. Significantly more people than usual decided to buy. This kind of surge, especially on a stock already below its 200-week average, can be an early sign that sentiment is shifting.
Over the past 1728 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 $6.1 billion, CACC is a mid-cap stock. Return on equity stands at 28.1%, indicating strong profitability. The stock trades at 4.0x 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 33.2 years, a hypothetical investment of $100 in CACC would have grown to $7401, compared to $2995 for the S&P 500. That represents an annualized return of 13.9% vs 10.8% for the index — confirming CACC as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -5.2% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($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 23 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 +72.1% vs +36.6% 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.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices CACC would reach each dislocation threshold.
Dislocation Price Levels
Prices where CACC's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-30.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $373.05 | Unusually cheap — potential buy zone |
| Value | +1σ | $412.71 | Cheap vs. own history |
| Fair Value | +0σ | $461.82 | Historical mean behavior |
| Expensive | -1σ | $524.19 | Expensive vs. own history |
| Deep Expensive | -2σ | $606.04 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from CACC's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
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% | +3143.2% |
| Dec 2002 | May 2003 | 22 | 29.0% | +121.5% | +8683.8% |
| Jul 2005 | Jul 2005 | 1 | 4.7% | +100.6% | +4464.8% |
| Sep 2007 | Sep 2007 | 1 | 3.8% | -11.7% | +2687.2% |
| Oct 2007 | May 2008 | 28 | 37.0% | -20.9% | +2889.8% |
| Jun 2008 | Mar 2009 | 38 | 43.1% | +4.6% | +2626.9% |
| Apr 2009 | Apr 2009 | 1 | 1.1% | +114.8% | +2595.2% |
| May 2009 | Jun 2009 | 4 | 6.4% | +117.7% | +2668.5% |
| Mar 2020 | May 2020 | 10 | 35.8% | +41.2% | +124.4% |
| Sep 2020 | Mar 2021 | 25 | 19.9% | +78.0% | +71.6% |
| Mar 2021 | Apr 2021 | 6 | 4.9% | +41.7% | +58.9% |
| Sep 2022 | Nov 2022 | 6 | 7.7% | +5.1% | +32.4% |
| Dec 2022 | Dec 2022 | 1 | 4.1% | +15.6% | +30.9% |
| Jan 2023 | Jan 2023 | 3 | 12.9% | +32.8% | +44.1% |
| Feb 2023 | Apr 2023 | 7 | 14.0% | +22.4% | +28.8% |
| May 2023 | May 2023 | 4 | 6.4% | +12.4% | +28.8% |
| Sep 2023 | Dec 2023 | 11 | 12.6% | -2.7% | +26.0% |
| May 2024 | Jun 2024 | 4 | 2.4% | -0.9% | +20.5% |
| Jul 2024 | Jan 2025 | 25 | 16.0% | -6.8% | +20.8% |
| Feb 2025 | Jun 2025 | 19 | 9.2% | N/A | +17.0% |
| Jul 2025 | Aug 2025 | 5 | 11.5% | N/A | +16.2% |
| Sep 2025 | Jan 2026 | 20 | 14.5% | N/A | +22.2% |
| Feb 2026 | Apr 2026 | 9 | 14.1% | N/A | +19.8% |
| Average | 20 | — | +30.9% | — |
Frequently Asked Questions
Is CACC below its 200-week moving average?
No. Credit Acceptance Corporation (CACC) is currently 19.5% above its 200-week moving average of $485.30. It would need to fall to $485.30 to cross below the line.
What is CACC's 200-week moving average price?
Credit Acceptance Corporation's 200-week moving average is $485.30 as of 2026-06-19. 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 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 72 (overbought). Return on equity is 28.1%. Price-to-book is 4.0x. 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 33.2 years, $100 invested in CACC would have grown to $7401, compared to $2995 for the S&P 500. That's 13.9% annualized vs 10.8% 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 2026-06-19