CACC maintains its fair value at $714. Critics have been asking if Credit Acceptance will become the next goeasy. Their thinking is completely backwards. Goeasy has just given us the best evidence yet of why CACC is the only non-prime lender worth holding. Awaiting the 8-K filing to reveal Goeasy's settlement: $330 million in quarterly write-offs, emergency restructuring, and a collapsed merchant pipeline—this is what a non-prime lender looks like without CACC's dealer-first structure, 30-year-old collection system, and pooled loss pricing mechanism built from the beginning. CACC doesn't chase volume, nor does it need to. While goeasy was busy expanding into the power sports dealer space, CACC quietly did what it had been doing in every credit cycle since 1972: collecting loans and buying back inventory.