Start with its own history
At 11.22×, CACC is 25.1% below its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · CACCFinancial - Credit ServicesUpdated Nov 5, 2026
Credit Acceptance Corporation P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
11.22×
25.1% belowthe 10-year annual average
Share price498.68
÷Earnings per share44.46
Price and EPS in quote currency. Calculation details
Investors are paying 11.22 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 14.97×
3-year average19.68×3 positive annual observations
5-year average16.52×5 positive annual observations
10-year average14.97×10 positive annual observations
Peer median · TTM10.47×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 11.59× | -50.3% |
| Dec 31, 2024 | 23.33× | -3.2% |
| Dec 31, 2023 | 24.12× | +100.8% |
| Dec 31, 2022 | 12.01× | +4.0% |
| Dec 31, 2021 | 11.54× | -21.4% |
| Dec 31, 2020 | 14.69× | +15.2% |
| Dec 31, 2019 | 12.74× | -1.5% |
| Dec 31, 2018 | 12.93× | -3.6% |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 13.41× | +0.9% |
| Dec 31, 2016 | 13.29× | -10.9% |
| Dec 31, 2015 | 14.91× | +30.8% |
| Dec 31, 2014 | 11.41× | -6.9% |
| Dec 31, 2013 | 12.25× | +4.2% |
| Dec 31, 2012 | 11.75× | +2.1% |
| Dec 31, 2011 | 11.51× | +6.1% |
| Dec 31, 2010 | 10.84× | +23.1% |
| Dec 31, 2009 | 8.81× | +42.7% |
| Dec 31, 2008 | 6.17× | -45.4% |
| Dec 31, 2007 | 11.30× | -39.7% |
| Dec 31, 2006 | 18.72× | +128.0% |
| Dec 31, 2005 | 8.21× | -52.2% |
| Dec 31, 2004 | 17.20× | -24.7% |
| Dec 31, 2003 | 22.84× | +150.5% |
| Dec 31, 2002 | 9.11× | -39.6% |
| Dec 31, 2001 | 15.08× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How CACC compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 CACC This stockCredit Acceptance Corporation | 11.22× |
 CPSSConsumer Portfolio Services, Inc. | 9.30× |
 RMRegional Management Corp. | 7.70× |
 OPRTOportun Financial Corporation | 17.58× |
 WRLDWorld Acceptance Corporation | 14.77× |
 ATLCAtlanticus Holdings Corporation | 10.39× |
 FCFSFirstCash Holdings, Inc | 20.95× |
 PRGPROG Holdings, Inc. | 10.55× |
 SLMSLM Corporation | 6.70× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does CACC’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 10.47×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take CACC into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("CACC", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 498.68 ÷ EPS 44.46 = 11.22×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 5, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
CACC P/E ratio: common questions
The essentials behind the numbers.
Credit Acceptance Corporation's current P/E is 11.22× based on the quote data last updated Nov 5, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.