Credit Acceptance Corporation (CACC) Stock Price & Analysis
Credit Acceptance Corporation (CACC) — MoonshotScore 97/100 (Exceptional band), calculated Oct 5, 2026. Price $527.50 (+3.04%), as of the Oct 2, 2026 trading session; market cap $5.52B. Expected results Oct 29, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 3942.86× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 29, 2026
Credit Acceptance Corporation · CACC · NASDAQ · Financial Services · Financial - Credit Services
Research dated 2026-09-13: Credit Acceptance Corporation operates as a specialized lender providing financing programs to independent and franchised automobile dealers. By advancing cash to dealers, the business secures the rights to service the underlying consumer vehicle loans and collects the consumer payments directly. The central tension for the stock is whether the cash generated from loan collections can outpace the massive debt load required to sustain dealer advances, especially as on-hand liquidity narrows.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Credit Acceptance (CACC)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, at a cheap price, though the balance sheet is only middling. Business Quality: Elite; Financial Safety: Okay; Valuation: Fair; Growth Durability: Compounding; Momentum: Slipping.
- quarterly revenue $587M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 3 of 8
- Altman Z 2.41 · Piotroski F 9
Holding back: weak price trend
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 97 | Exceptional | |
| 96 | Exceptional | |
| 97 | Exceptional | |
| 97 | Exceptional | |
| 97 | Exceptional | |
| 97 | Exceptional |
The score moved from 96 in the stored Oct 4, 2026 snapshot to 97 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Momentum +2 and Growth Durability +1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $527.50 |
| Change on the day | +3.04% |
| 52-week range | $401.90–$668.86 |
| Market capitalisation | $5.52B |
| Price / earnings (trailing) | 11.37 |
| Shares traded on the day | 122.0K |
| Beta (volatility vs the S&P 500) | 1.35 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Credit Acceptance (CACC): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
9-Factor Breakdown
Legends Council
4 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the CACC film — every key number, told as a short cinematic story
~2 min · open the film
What is Credit Acceptance (CACC), and what does it report?
Short answer · as of
The business functions as a vital financing backstop for vehicle dealerships, taking on consumer loans that traditional lenders decline.
Research dated 2026-09-13.
The business functions as a vital financing backstop for vehicle dealerships, taking on consumer loans that traditional lenders decline. It advances capital to dealers to close vehicle sales, taking over the servicing rights and keeping the subsequent loan collections.
The reported financial statements reflect this dynamic, where revenue recognized on the income statement is dictated by the performance of the loan portfolio over time. Beneath the accounting earnings, the operating cash flow metric tracks the actual money coming in from consumer payments against the ongoing cash required to fund new dealer advances.
What do the latest results show for Credit Acceptance (CACC)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $587M.
Research dated 2026-09-13.
Recent reporting periods show a business sustaining steady revenue generation while preserving high gross profit margins. The operating cash flow remains robust, comfortably eclipsing the negligible capital expenditures required to run the operation.
Profitability on a per-share basis has consistently exceeded consensus forecasts over recent cycles, reflecting strong collection yields on the existing portfolio. Although net income has experienced historical fluctuations, the core engine of cash generation from servicing rights remains largely uninterrupted.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $587.40M Jun 30, 2026
- Latest quarter · SG&A
- $56.00M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $276.00M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $587.40M | Not available | $56.00M | $276.00M |
| Mar 31, 2026 | $580.00M | Not available | $52.60M | $283.40M |
| Dec 31, 2025 | $579.90M | Not available | $0.00 | $306.60M |
| Sep 30, 2025 | $576.40M | Not available | $61.10M | $142.90M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $587.40M Aug 4, 2026
- Latest report · revenue estimate
- $588.07M Aug 4, 2026
- Latest report · revenue vs estimate
- Below estimate Aug 4, 2026
- Latest report · EPS vs estimate
- Below estimate Aug 4, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 4, 2026 | $587.40M | $588.07M | $12.1200 | $12.2000 |
| May 5, 2026 | $580.00M | $580.77M | $10.7100 | $10.6100 |
| Jan 29, 2026 | $579.90M | $585.37M | $11.3500 | $10.3000 |
| Oct 30, 2025 | $576.40M | $593.77M | $10.2800 | $9.8700 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $587M | $136M | $12.66 (diluted) |
| Q1 FY2026 | $580M | $136M | $12.40 (diluted) |
| Q4 FY2025 | $580M | $122M | $10.99 (diluted) |
| Q3 FY2025 | $576M | $108M | $9.43 (diluted) |
What are the financial strengths and risks for Credit Acceptance (CACC)?
Short answer
Cash and short-term investments were $1.40M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $309.50M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
The platform generates exceptional operating margins and a strong return on equity, underscoring the lucrative nature of financing high-yield vehicle loans. However, the balance sheet carries extreme leverage, with total debt dwarfing the available liquid cash and short-term investments.
That cash buffer has contracted significantly over recent periods, leaving the company heavily reliant on continuous, uninterrupted loan collections to service its own borrowing obligations. Any broad economic downturn that limits consumer ability to make vehicle payments would immediately threaten this precarious liquidity structure.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $309.50M Jun 30, 2026
- Previous quarter · operating cash flow
- $346.80M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $309.50M | −$1.60M |
| Mar 31, 2026 | $346.80M | −$1.30M |
| Dec 31, 2025 | $269.30M | −$400,000 |
| Sep 30, 2025 | $299.40M | −$600,000 |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Credit Acceptance (CACC)?
Short answer · as of
The next earnings report is expected on Oct 29, 2026.
Research dated 2026-09-13.
Market participants will look to the upcoming earnings release to see if the company can maintain its streak of beating consensus profitability estimates amidst elevated interest burdens. Observers will also monitor the analyst consensus, which projects continued expansion in top-line revenue and bottom-line earnings over future reporting cycles.
Furthermore, recent regulatory filings reveal a persistent pattern of executive departures and leadership reshuffling, alongside heavy insider selling of equity. Stabilization in the executive suite and a shift toward insider accumulation would signal internal confidence in managing the heavily leveraged balance sheet.
How does Credit Acceptance compare with its peers?
Short answer
Credit Acceptance's score ranks tied for 1st of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Unlike diversified consumer banks or broad credit card issuers, this firm is entirely tethered to the retail automotive market and the specific health of independent dealerships. It structures its deals to align with dealer success by advancing cash up front and occasionally reinsuring vehicle service contracts, intertwining its own fate with automotive retail volumes.
This narrow focus means the portfolio lacks the diversification of traditional lenders, exposing the entire enterprise to the concentrated risk of consumer auto loan defaults. The heavy reliance on external debt to fund these dealer advances further distinguishes its risk profile from traditional deposit-taking institutions.
| Company | Price | Market value | Score |
|---|---|---|---|
| Credit Acceptance (CACC) — this page | $527.50 | $5.52B | 97 |
| $98.05 Oct 2, 2026 | $3.96B | 97 5-pillar Oct 5, 2026 | |
| $56.02 Oct 2, 2026 | $6.47B | 96 5-pillar Oct 5, 2026 | |
| $73.75 Oct 2, 2026 | $6.61B | 95 5-pillar Oct 5, 2026 | |
| $10.30 Oct 2, 2026 | $5.11B | 93 5-pillar Oct 5, 2026 | |
| $172.89 Oct 2, 2026 | $4.30B | 93 5-pillar Oct 5, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 5, 2026 | |
| $107.41 Oct 2, 2026 | $3.61B | 86 5-pillar Oct 5, 2026 | |
| $58.79 Oct 2, 2026 | $12.5B | 84 5-pillar Oct 5, 2026 | |
| $210.36 Oct 2, 2026 | $9.12B | 81 5-pillar Oct 5, 2026 | |
| $158.21 Oct 2, 2026 | $30.4B | 76 5-pillar Oct 5, 2026 | |
| $123.87 Oct 2, 2026 | $4.45B | 76 5-pillar Oct 5, 2026 | |
| $55.11 Oct 2, 2026 | $5.12B | 74 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $540.00 – $540.00
- Consensus target
- $540.00
- Median target
- $540.00
Consensus record · Captured .
Measured against a quoted price of $527.50 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Jul 16, 2026
- Transactions
- 59
- Identified insiders
- 7
- Purchases
- 0
- Sales
- 45
- Other transactions
- 14
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 73.4% Period end Jun 30, 2026
- Previous quarter · ownership
- 63.4% Prior to period end Jun 30, 2026
- Reporting holders
- 308 Period end Jun 30, 2026
- Previous quarter · holders
- 269 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Prescott General Partners LLC | 1,436,951 |
| Blackrock, INC. | 642,097 |
| Boston Partners | 573,616 |
| Gobi Capital LLC | 358,067 |
| Beck Mack & Oliver LLC | 305,983 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Credit Acceptance (CACC)?
CACC Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does Credit Acceptance source its vehicle loan portfolio?
The business partners directly with franchised and independent automotive dealerships to facilitate sales. It advances capital to these dealers at the point of sale, acquiring the rights to service the loans and collect all subsequent consumer payments.
What threatens the liquidity position of this auto lender?
The balance sheet is structured with massive debt loads and a cash buffer that has depleted sharply in recent reporting periods. Because capital expenditures are practically nonexistent, the primary risk is a disruption in consumer loan repayments failing to cover the heavy institutional borrowing obligations.
Are corporate executives buying shares in the dealership financing platform?
Internal equity holders have demonstrated a clear preference for selling, with a high volume of disposal transactions recorded over recent reporting cycles. No purchasing activity by insiders has been registered during this window, suggesting those closest to the operations are reducing their personal exposure.
Why are there frequent regulatory disclosures regarding the executive team?
Recent filings show a cluster of reports detailing the departure and appointment of principal officers and directors. This elevated turnover in the leadership ranks introduces operational uncertainty as the new management attempts to navigate the highly leveraged vehicle loan portfolio.
What is the CACC stock price today?
The last price recorded on this page for Credit Acceptance Corporation (CACC) is $527.50, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the CACC price target?
The analyst consensus price target for Credit Acceptance Corporation (CACC) is $540.00 (range $540.00 to $540.00, median $540.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (77 figures)
The 77 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Southfield, MI | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "25505 West Twelve Mile Road, Southfield, MI, 48034-8339, US". |
FMP — 69 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 29, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $527.50 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T19:24:38.895Z. | |
px.change | Change on the day | +3.04% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.52B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:01.000Z. Captured from FMP at 2026-10-04T19:24:37.939Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$15.55 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $587M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $401.90–$668.86 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 11.37 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 122.0K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.35 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Vinayak R. | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 2,314 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.85B, net result $958.30M; FY2022 revenue $1.82B, net result $535.80M; FY2023 revenue $1.88B, net result $286.10M; FY2024 revenue $2.13B, net result $247.90M; FY2025 revenue $2.32B, net result $423.90M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.gross_margin | Gross margin (trailing twelve months) | 89.7% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $587.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $56.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $276.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $580.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $52.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $283.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $579.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $306.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $576.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $61.10M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $142.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-04.revenue_actual | Revenue · reported — report date 2026-08-04 | $587.40M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-04.revenue_estimated | Revenue · estimate — report date 2026-08-04 | $588.07M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-04.eps_actual | EPS · reported — report date 2026-08-04 | $12.1200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-04.eps_estimated | EPS · estimate — report date 2026-08-04 | $12.2000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.revenue_actual | Revenue · reported — report date 2026-05-05 | $580.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.revenue_estimated | Revenue · estimate — report date 2026-05-05 | $580.77M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.eps_actual | EPS · reported — report date 2026-05-05 | $10.7100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-05.eps_estimated | EPS · estimate — report date 2026-05-05 | $10.6100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.revenue_actual | Revenue · reported — report date 2026-01-29 | $579.90M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.revenue_estimated | Revenue · estimate — report date 2026-01-29 | $585.37M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.eps_actual | EPS · reported — report date 2026-01-29 | $11.3500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-29.eps_estimated | EPS · estimate — report date 2026-01-29 | $10.3000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_actual | Revenue · reported — report date 2025-10-30 | $576.40M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.revenue_estimated | Revenue · estimate — report date 2025-10-30 | $593.77M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_actual | EPS · reported — report date 2025-10-30 | $10.2800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-30.eps_estimated | EPS · estimate — report date 2025-10-30 | $9.8700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $1.40M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $309.50M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $116.60M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $6.29B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 3.48× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $309.50M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $346.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$1.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$1.30M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $269.30M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$400,000 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $299.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$600,000 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $540.00 – $540.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $540.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $540.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 59 transactions · 0 purchases, 45 sales, 14 other transactions · 7 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Jul 16, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 73.4% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 63.4% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 308 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 269 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Prescott General Partners LLC — shares in provider snapshot | 1,436,951 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Blackrock, INC. — shares in provider snapshot | 642,097 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Boston Partners — shares in provider snapshot | 573,616 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Gobi Capital LLC — shares in provider snapshot | 358,067 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Beck Mack & Oliver LLC — shares in provider snapshot | 305,983 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 3 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-14 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 2.41 · Piotroski F 9 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 3942.86× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $1.40M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-08-04.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($587.40M) with the recorded estimate ($588.07M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-04.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($12.1200) with the recorded estimate ($12.2000) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 97 of 100 · Exceptional · pillars 100 / 42 / 69 / 99 / 32 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 96 (stored snapshot Oct 4, 2026) → 97 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-04. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-04.revenue_actual,earn.history.depth.2026-08-04.revenue_estimated,earn.history.depth.2026-08-04.revenue_actual.comparison,earn.history.depth.2026-08-04.eps_actual.comparison,earn.history.depth.2026-08-04.eps_actual,earn.history.depth.2026-08-04.eps_estimated,earn.history.depth.2026-05-05.revenue_actual,earn.history.depth.2026-05-05.revenue_estimated,earn.history.depth.2026-05-05.eps_actual,earn.history.depth.2026-05-05.eps_estimated,earn.history.depth.2026-01-29.revenue_actual,earn.history.depth.2026-01-29.revenue_estimated,earn.history.depth.2026-01-29.eps_actual,earn.history.depth.2026-01-29.eps_estimated,earn.history.depth.2025-10-30.revenue_actual,earn.history.depth.2025-10-30.revenue_estimated,earn.history.depth.2025-10-30.eps_actual,earn.history.depth.2025-10-30.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Cash, investments and debt | Total debt: $6.29B; Liquidity basis: cash and short-term investments; Total liabilities: $7.03B; Cash and short-term investments: $1.40M; Cash and investments: $118.00M; Long-term investments: $116.60M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-08-04 | FMP | Financial Modeling Prep (FMP) earnings |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Trailing twelve-month ratio set | Quick ratio: 21.22; Current ratio: 21.22; Debt to equity: 3.96; Net margin: 21.6%; Gross margin: 89.7%; Operating margin: 43.4%; Return on assets: 5.8%; Return on equity: 32.4% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Next earnings report | Date: 2026-10-29; EPS estimate: $12.36 per share; Revenue estimate: $594.21M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 3 analysts contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Recent SEC filings |
| 2026-09-04 | OFFICIAL | SEC EDGAR filer submissions |
| Insider transactions, last 180 days | Net shares: -32,885; Window days: 180; Price low: $333.94; Clustered days: 2026-06-24; Price high: $666.22; Buy transactions: 0; Distinct insiders: 7; Sell transactions: 45; Other transactions: 14; Total transactions: 59; Other transaction types: A-Award: 1, J-Other: 1, M-Exempt: 12; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-07-16 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6141 — Personal Credit Institutions. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Named officers | CEO: Vinayak R.; Officers: Jeetu Mirchandani — Title: Chief Technology Officer, Pay: $1.75M; Robert Bourrier — Title: Chief Sales Officer, Pay: $718,241; Siddharth Lal — Title: Chief Marketing Officer; Jay Brinkley — Title: Senior Vice President & Treasurer; Jay D. Martin — Title: Advisor, Pay: $623,458, Born: 1974; Joseph Billante — Title: CFO and Principal Financial & Accounting Officer, Born: 1976; Nicholas J. Elliott — Title: Chief Transformation Officer, Born: 1978; Ravi Mohan — Title: Executive Officer, Pay: $1.75M, Born: 1973 Titles and pay come from the company's proxy statement as our provider parsed it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) |
| What the sources do not tell us | Captured record · 3 entries
Each entry names a family of information the packet has no fact for.; The list is drawn from a fixed catalogue keyed to fact ids — it is not written per ticker and contains no generated text.; An absent family means our sources did not answer; it does not mean the company has nothing to report. | 2026-09-13 | COMPUTED | Derived from which sources answered this build |
Data provided for informational purposes only.
ETFs that hold CACC
Funds in our ETF coverage that list CACC among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| QSY ETF | 1.79% |