Latest market price
490.30
+5.54+1.14%
OverviewShort InterestFilings
CACCQT49Credit Acceptance Corporation·NASDAQ
490.30+1.14%
TA
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Signal & projected range
QT Score downgradeHistorical pattern — not a prediction
Range still being built for this setupWe don’t yet have a frozen historical track record for qt score downgrade to describe a reliable spread of outcomes. The projected range appears once its backtest is established.

Ranges describe how this exact setup resolved in the past — derived from thousands of historical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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KLAR+0.00%$13.38NNI-0.48%$123.67SEZL-4.15%$123.00ENVA+1.15%$175.94BFH+0.05%$107.21JSM+0.89%$14.78OMF+0.07%$57.37SLM-1.17%$17.67
Snapshot
Index—P/E15.83EPS (ttm)30.62Insider Own19.06%Shs Outstand10.38MPerf Week-9.79%
Market Cap5.03BForward P/E8.62EPS next Y56.21Insider Trans-4.87%Shs Float5.12MPerf Month-8.10%
Enterprise Value11.11BPEG0.85EPS next Q12.70Short Float19.72%Perf Quarter-17.54%
Income337.00MP/S2.15EPS this Y24.06%Short Ratio8.60Perf Half Y-4.39%
Sales2.34BP/B3.62EPS next Y14.50%ROA3.80%Short Interest1.01MPerf YTD9.31%
Book/sh133.81P/C7.78EPS next 5Y18.65%ROE22.41%52W High668.86 -26.70%Perf Year7.16%
Cash/sh62.33P/FCF4.00EPS past 3/5Y-1.52% 9.85%ROIC8.40%52W Low401.90 22.00%Perf 3Y17.97%
Dividend Est.—EV/EBITDA12.61Sales past 3/5Y8.32% 6.83%Gross Margin80.88%Volatility5.40% 3.30%Perf 5Y-21.67%
Dividend TTM—EV/Sales4.74EPS Y/Y TTM-18.93%Oper. Margin38.42%ATR (14)25.09Perf 10Y162.83%
Dividend Ex-Date—Quick Ratio13.49Sales Y/Y TTM3.08%Profit Margin14.39%RSI (14)37.38Recom3.33
Dividend Gr. 3/5Y—Current Ratio13.49EPS Q/Q26.56%SMA20-9.77%Beta1.44Target Price500.00
Payout0.00%Debt/Eq4.84Sales Q/Q3.30%SMA50-13.74%Rel Volume2.34Prev Close484.76
Employees2,314LT Debt/Eq4.68EarningsFeb 01SMA200-9.87%Avg Volume113.44KPrice490.30
IPO DateJun 05, 1992Option/ShortNo / YesEPS/Sales Surpr.1.14% -0.30%Net Debt/EBITDA6.90Volume265,082Change1.14%
Analyst Ratings
DateActionAnalystRatingTarget
Apr-17-26ReiteratedStephens & Co.Equal Weight$500 → $540
Jan-31-25ReiteratedStephens & Co.Equal Weight$500
May-03-22ReiteratedCredit SuisseUnderperform$460
Jul-31-20UpgradeJanney Montgomery ScottSell → Neutral
Jul-31-20UpgradeJanney CapitalSell → Neutral
Jan-31-20DowngradeJanney CapitalNeutral → Sell
Jan-31-20DowngradeJanney Montgomery ScottNeutral → Sell
Jan-31-19DowngradeOppenheimerOutperform → Market Perform
Jan-03-19UpgradeStephens & Co.Underweight → Equal Weight
Aug-01-18UpgradeCompass PointSell → Neutral
Latest News· Times ET
Nov-02-26
Nov-02-2609:15AM
Credit Acceptance Sinks 19.3% Post Q3 Earnings: What's Hurting CACC?zacks.com
Nov-01-26
Nov-01-2607:12AM
Credit Acceptance Stock After A Net Loss And Lower Cash Flow OutlookYahoo
Oct-30-26
Oct-30-2606:10PM
Lost Money on Credit Acceptance Corporation Stock? Glancy Prongay Wolke & Rotter LLP Investigates Possible Securities Fraud After 19.40% Share Price Dropbusinesswire.com
06:01PM
Lost Money on Credit Acceptance Corporation Shares? The Law Offices of Frank R.businesswire.com
10:42AM
CACC ALERT: Credit Acceptance Investigated for Securities Fraud by Block & Leviton; Investors with Losses Should Contact the Firmglobenewswire.com
Oct-29-26
Oct-29-2607:58PM
Credit Acceptance Corporation (CACC) Q3 2026 Earnings Call Transcriptseekingalpha.com
07:16PM
Credit Acceptance Q3 Earnings Call Highlightsmarketbeat.com
04:02PM
Credit Acceptance Announces Third Quarter 2026 Resultsglobenewswire.com
Oct-24-26
Oct-24-2601:07PM
Credit Acceptance (CACC) Sets Q3 2026 Results Date, Is The 9% Upside Enough?Yahoo
Oct-22-26
Oct-22-2604:02PM
Credit Acceptance Announces Timing of Third Quarter 2026 Earnings Release and Webcastglobenewswire.com
Oct-21-26
Oct-21-2604:00PM
CREDIT ACCEPTANCE CORPORATION INVESTOR ALERT: Scott+Scott Attorneys at Law LLP Investigates Credit Acceptance Corporation's Directors and Officers for Breach of Fiduciary Duties – CACCbusinesswire.com
Oct-13-26
Oct-13-2602:50AM
Credit Acceptance: A Proven Underwriter, Priced About Right (Hold)SeekingAlpha
Oct-08-26
Oct-08-2612:31PM
Wells Fargo Faces HUD Lending Probe: A Setback for Regulatory Progress?Yahoo
Oct-07-26
Oct-07-2604:02PM
Fortune Media and Great Place To Work® Name Credit Acceptance to 2026 Best Workplaces in Financial Services™ List for the 12th Consecutive Yearglobenewswire.com
08:30AM
CREDIT ACCEPTANCE CORPORATION INVESTOR ALERT: Scott+Scott Attorneys at Law LLP Investigates Credit Acceptance Corporation's Directors and Officers for Breach of Fiduciary Duties – CACCbusinesswire.com
Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements
DataTimeframe
Line Item (USD, M)
TTM
—
FY 2025
12/31/2025
FY 2024
12/31/2024
FY 2023
12/31/2023
FY 2022
12/31/2022
FY 2021
12/31/2021
FY 2020
12/31/2020
FY 2019
12/31/2019
FY 2018
12/31/2018
Total Revenue2,3422,3172,1341,880—————
Cost of Goods Sold Incl. D&A44929802617—————
Gross Profit1,8942,2881,3321,262—————
Selling, General and Administrative Excl. Other2410192179—————
Research and Development
0000—————
Other Operating Expense7531,185815736—————
Operating Income9001,104325347—————
Interest Expense43646300—————
Unusual Expense
—————————
Non-Operating Income (Expense)-36-75420—————
Net Income Before Taxes428565330368—————
Income Taxes901428282—————
Consolidated Net Income337424248286—————
Net Income From Continuing Operations337424248286—————
Net Income337424248286—————
EPS (Recurring)31.3638.2620.1222.09—————
EPS (Basic, Before Extraordinaries)31.3638.2620.1222.09—————
EPS (Diluted)30.6237.5519.8821.99—————
EBITDA8811,055353374—————
Other After Tax Adjustments
—————————
Stock Option Compensation Expense
—————————
Price To Earnings Ratio16.0111.8123.6124.23—————
Price To Sales Ratio2.092.112.643.68—————
Gross Margin80.8798.7562.4267.13—————
Operating Margin38.4347.6515.2318.46—————
Net Margin14.3918.3011.6215.21—————
Shares Outstanding10111213—————
Market Capitalization4,9034,8785,6346,925—————
Operating Lease Expense
—————————
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Insider Trading Volume
$694.12$614.12$534.12$454.12$374.12● Close Price0.00M7.02M14.04M21.05M28.07MUSD Trades VolumeNovDec2026FebMarAprMayJunJulAugSepOctNov
Insider Trading
InsiderRelationshipDateTransactionCost#SharesValue ($)#Shares TotalSEC Form 4
Watson Jill Foss10% OwnerJul 16 '26Sale640.521,436919,78847,910Jul 20
Watson Jill Foss10% OwnerJul 02 '26Sale653.2411,0007,185,65649,346Jul 07
Elliott Nicholas JChief Transformation OfficerJun 26 '26Option Exercise333.942,306770,06623,203Jun 30
Elliott Nicholas JChief Transformation OfficerJun 26 '26Sale629.992,3061,452,74920,897Jun 30
KERBER ERIN JChief Legal OfficerJun 26 '26Option Exercise403.335,7202,307,05831,431Jun 30
KERBER ERIN JChief Legal OfficerJun 26 '26Sale629.805,7203,602,47425,711Jun 30
Elliott Nicholas JChief Transformation OfficerJun 25 '26Sale627.011,183741,75520,897Jun 26
Elliott Nicholas JChief Transformation OfficerJun 25 '26Option Exercise333.941,183395,05122,080Jun 26
KERBER ERIN JChief Legal OfficerJun 25 '26Option Exercise403.372,9371,184,71127,408Jun 26
KERBER ERIN JChief Legal OfficerJun 25 '26Sale627.192,9371,842,06125,711Jun 26
KERBER ERIN JChief Legal OfficerJun 24 '26Option Exercise403.358,6563,491,43530,711Jun 26
KERBER ERIN JChief Legal OfficerJun 24 '26Sale600.948,6565,201,75225,711Jun 26
Martin Jay DChief Financial OfficerJun 24 '26Sale601.043,0001,803,11925,963Jun 26
Elliott Nicholas JChief Transformation OfficerJun 24 '26Option Exercise333.943,4871,164,44924,384Jun 26
Elliott Nicholas JChief Transformation OfficerJun 24 '26Sale601.013,4872,095,73520,897Jun 26
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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.