CACC Stock and Options Trade Setup — Credit Acceptance Corporation
Nasdaq · S&P 400 · Specialty Auto Finance · Low-moderate liquidity options · Mid cap · ~$6B
Credit Acceptance operates in the non-prime auto finance segment through a dealer-centric model that has proven exceptionally durable across credit cycles. Rather than lending directly to consumers, CACC advances funds to dealer partners who retain a subordinate economic interest in each loan — this alignment of incentives means dealers self-select higher-quality borrowers. The company has grown book value per share consistently for two decades through disciplined underwriting and aggressive share repurchases. Non-prime auto demand is structurally supported by wage growth at the lower end of the income distribution as workers need vehicles to access employment. The stock corrected sharply during the 2023–2024 credit normalization cycle and is now recovering from an oversold base as net charge-off trends stabilize. Options activity is thin but the setup risk/reward is attractive for patient directional traders.
Score History & Signal Changelog
Preview dataThis page is a living document — updated every 72 hours from the last scan. Each data point below represents one complete algorithmic snapshot.
Signal Breakdown
Today's Trade Card
Options Profile
Risks & Fundamentals
Every setup carries risk. Here's what could move CACC against you, plus the key stats that frame any position.
- 1.Non-prime consumer credit quality is cyclically sensitive to unemployment rate changes
- 2.FTC and CFPB regulatory scrutiny of subprime auto lending practices
- 3.Vehicle depreciation risk: used car values normalizing post-COVID could impair collateral values
CACC Options Setup — Frequently Asked Questions
Is CACC a good options trade today?+
Credit Acceptance Corporation (CACC) currently has an Amora Edge Score of 58/100, ranking it top 48% of today's scan. This composite score is built from four sub-signals — EMA cross, RSI zone, relative strength vs SPY, and volume surge — each scored 0–25. The current read is a bullish setup, so the algorithm is positioned bullish (calls / call debit spreads). A score above 65 typically warrants a trade card with stop and target; below that, the setup is on the watchlist but not actionable.
What is CACC's win rate on Stoptions.ai setups?+
CACC's historical win rate on closed Stoptions setups is 57%. Win rate is calculated as the percentage of past CACC trade cards that hit their target price before stopping out. Win rate is most meaningful once a ticker has 10+ closed trades — individual ticker rates can be noisy at smaller samples. Our portfolio-wide win rate across all closed trades is the more stable benchmark.
What strike and expiry does Stoptions.ai suggest for CACC?+
The strike and expiry are shown on the trade card at the top of this page when the setup is active. Stoptions.ai algorithmically selects strikes targeting delta 0.35–0.45 and expirations 30–45 days out, adjusted for current implied volatility rank (IVR). When IVR is high, the system favors call debit spreads to limit vega risk; when IVR is low, single-leg long calls are preferred. The card includes the contract symbol, mid-price entry, stop, and target.
How often is the CACC setup updated?+
Every 72 hours we refresh CACC's Amora Edge Score and trade card. The underlying scan runs daily at 9:00 AM ET (pre-market) and 9:30 AM ET (post-open), so any new signal change is reflected within one trading session. If CACC drops below the entry threshold or the regime shifts (e.g., SPY enters a confirmed bear), the trade card is replaced with a "no setup" notice automatically.
What does the Amora Edge Score measure for CACC?+
The Amora Edge Score is a 0–100 composite of four technical sub-signals applied to CACC: (1) EMA cross — is the 20-day above the 50-day with both trending up? (2) RSI zone — is momentum in the 50–70 sweet spot, or extended/weak? (3) Relative strength vs SPY — is CACC outperforming the market over 20 sessions? (4) Volume surge — is participation above the 20-day average? Each sub-signal contributes 0–25 points. CACC currently scores 58.
How does CACC compare to other Specialty Auto Finance setups?+
CACC's sector rank and percentile against other Specialty Auto Finance tickers we track is shown on the /tickers index — sortable by Amora Edge Score, win rate, or sector. For direct comparison, see the "Related Specialty Auto Finance Options Setups" panel above. When multiple tickers in the same sector are scoring 80+, the algorithm flags the cluster as a sector rotation signal and may upweight position sizing.
Educational content only — not personalized investment advice. Options carry substantial risk.
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