CACC
Credit Acceptance CorporationNASDAQ
Financial Services • Credit Services
Factor tilt: Mid-Cap Blend
$529.56+1.34%
Close Nov 6, 2026
- Market cap
- $5.54B
- 1 month
- -2.4%
- 3 months
- -8.9%
- 1 year
- +17.3%
- 52-week range
- $411.04$657.20
- Dividend
- No dividends on record
- Short interest
- 19.7% of float1M shares · settled Oct 15, 2026 · +5.1% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Sep 30, 2026
- Revenue
- $2.34B
- Net income
- $337.1M
- Free cash flow
- —
- Book value
- $1.39B
- Total debt
- —
- P/E
- 16.4×
- Price / sales
- 2.4×
- Price / book
- 4×
- FCF yield
- —
- Net margin
- +14.4%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
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.
Read more
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.
- Website
- creditacceptance.com
- Headquarters
- Southfield, MI, United States
- Employees
- 2,314
- Listed
- Jun 5, 1992
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 31, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier. Gross margin and operating income are not shown for a bank or insurer.
| Quarter | Revenue | YoY | Net income |
|---|---|---|---|
| Sep 2026filed Oct 29, 2026 | $594.6M | +3.2% | -$56.6M |
| Jun 2026filed Aug 4, 2026 | $587.4M | +2.1% | $135.9M |
| Mar 2026filed May 5, 2026 | $580.0M | +3.1% | $135.8M |
| Dec 2025filed Feb 13, 2026 | $579.9M | +4.0% | $122.0M |
| Sep 2025filed Oct 30, 2025 | $576.4M | +6.0% | $108.2M |
| Jun 2025filed Jul 31, 2025 | $575.6M | +8.3% | $87.4M |
| Mar 2025filed Apr 30, 2025 | $562.3M | +12.1% | $106.3M |
| Dec 2024filed Feb 12, 2025 | $557.7M | +14.9% | $151.9M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Net income |
|---|---|---|---|
| Dec 2025filed Feb 13, 2026 | $2.3B | +8.6% | $423.9M |
| Dec 2024filed Feb 12, 2025 | $2.1B | +12.2% | $247.9M |
| Dec 2023filed Jan 31, 2024 | $1.9B | +4.3% | $286.1M |
| Dec 2022filed Feb 10, 2023 | $1.8B | -1.5% | $535.8M |
| Dec 2021filed Feb 11, 2022 | $1.9B | +11.2% | $958.3M |
| Dec 2020filed Feb 12, 2021 | $1.7B | +12.6% | $421.0M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched CACC. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
1,010,300 shares short
+48,584 shares (+5.1%) vs Sep 30, 2026
19.7% of the stored float. Published Oct 26, 2026.
Settlement Sep 30, 2026
961,716 shares short
-21,045 shares (-2.1%) vs Sep 15, 2026
18.8% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
982,761 shares short
-12,173 shares (-1.2%) vs Aug 31, 2026
Share of float unavailable. Published Sep 24, 2026.
Settlement Aug 31, 2026
994,934 shares short
+50,418 shares (+5.3%) vs Aug 14, 2026
19.4% of the stored float. Published Sep 10, 2026.
Settlement Aug 14, 2026
944,516 shares short
-97,422 shares (-9.4%) vs Jul 31, 2026
18.4% of the stored float. Published Aug 25, 2026.
Settlement Jul 31, 2026
1,041,938 shares short
-167,430 shares (-13.8%) vs Jul 15, 2026
20.3% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind CACC’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
No qualified cash-dividend records are stored. This does not establish that the company pays no dividend.
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
2 for 1 · forward split
Effective Dec 21, 1994
Each 1 pre-split share becomes 2 post-split shares.
Source: EODHD
3 for 2 · forward split
Effective Dec 27, 1993
Each 2 pre-split shares become 3 post-split shares.
Source: EODHD
2 for 1 · forward split
Effective Mar 18, 1993
Each 1 pre-split share becomes 2 post-split shares.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: LOW
29 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Nov 3, 2026
Smart-money 13F trend: distributing (heavy)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: neutral
Last trade: buy 3 days ago
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: neutral. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 7
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: neutral. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
301 filers reported a long position in CACC for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
58.7%
of the 7.6M shares 13-F filers reported
Moves vs Q1 2026
5 added3 trimmed
2 unchanged
Net shares held
+11.5%
across the 10 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | Prescott General Partners LLC | $915M · 1.4M shares | 1.4M | Unchanged |
| 2 | BlackRock, Inc. | $408.8M · 642.1K shares | 642.1K | +177.2% |
| 3 | Boston Partners | $365.1M · 573.6K shares | 573.6K | +2.4% |
| 4 | GOBI CAPITAL LLC | $228M · 358.1K shares | 358.1K | Unchanged |
| 5 | BECK MACK & OLIVER LLC | $194.8M · 306K shares | 306K | -1% |
| 6 | WELLINGTON MANAGEMENT GROUP LLP | $165.6M · 260.1K shares | 260.1K | +0.5% |
| 7 | DIMENSIONAL FUND ADVISORS LP | $151.2M · 237.4K shares | 237.4K | +2.9% |
| 8 | VANGUARD PORTFOLIO MANAGEMENT LLC | $143.4M · 225.2K shares | 225.2K | +30.7% |
| 9 | Universal- Beteiligungs- und Servicegesellschaft mbH | $136.1M · 213.7K shares | 213.7K | -7.6% |
| 10 | VANGUARD CAPITAL MANAGEMENT LLC | $132.7M · 208.4K shares | 208.4K | -2.2% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of CACC file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| Aug 13, 2026 | Neary John P13G · passive · amended | 6.3% |
| Jul 27, 2026 | BlackRock, Inc.13G · passive | 6% |
| Jul 7, 2026 | Prescott General Partners LLC13D · activist · amended | 13.6% |
| Jun 5, 2026 | Watson Jill Foss13D · activist · amended | 14.5% |
| Jun 5, 2026 | Donald A Foss 2009 Annuity Trust13D · activist · amended | 19.8% |
| May 14, 2026 | Boston Partners13G · passive | 5.09% |
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