What is Credit Acceptance Corporation's Shariah compliance score?

Credit Acceptance Corporation's (CACC) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Credit Acceptance Corporation pass AAOIFI screening?

Credit Acceptance Corporation (CACC) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (CACC: 97.4%), (3) interest-bearing deposits below 30% (CACC: 5.2%), and (4) prohibited income below 5% (CACC: 95.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Credit Acceptance Corporation stock?

Credit Acceptance Corporation (CACC) has a non-permissible income ratio of 94.96%. Muslim investors should purify this percentage of any dividends received and capital gains realized from CACC shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Credit Acceptance Corporation for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Credit Acceptance Corporation (CACC) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about CACC's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

CACC: Is Credit Acceptance Corporation Halal?

Credit Acceptance Corporation

NASDAQFinancial ServicesUS

$628.86

+0.83%

Market Cap: 6.6B

Compliance Status

Not Halal

Screened on Jul 13, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Credit Acceptance Corporation (CACC) halal? Not Halal. Based on AAOIFI screening, Credit Acceptance Corporation passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

97.4% of 30.0% limit

What this means for you

Most scholars advise not holding CACC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Credit Acceptance Corporation

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 13, 2026

Compliance History

Not Halalnow
since Jun 2026
Halal
until the change above
Not Halal
until the change above

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

Visa Inc.

Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

Track CACC and 10,000+ stocks with AI insights

Create your free account to unlock AI-powered compliance analysis, track your portfolio, calculate purification, and get unlimited AAOIFI screening.

Get Started Free Browse Screener

10,000+ assets AAOIFI standards Free watchlist

Frequently Asked Questions

Is Credit Acceptance Corporation (CACC) halal to invest in?

Credit Acceptance Corporation (CACC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Credit Acceptance Corporation get a F compliance rating?

Credit Acceptance Corporation (CACC) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 97.4% (limit 30%); interest-bearing deposits of 5.2% (limit 30%); prohibited income of 94.96% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Credit Acceptance Corporation's Shariah verdict?

Credit Acceptance Corporation's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Credit Acceptance Corporation re-screened for Shariah compliance?

Credit Acceptance Corporation (CACC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 13, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.