CACC
Credit Acceptance Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Neutral
-13/100
Last price
536.65
▲ 5.30 (1.00%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
536.50
Prev close
531.35
Day high
538.96
Day low
530.23
Volume
72.47K
Market cap
$5.57B
P/E (TTM)
11.73
52W range
401.90 – 668.86
Day trading desk
Gap from prior close
+0.97%
Prior close 531.35
VWAP
535.05
+0.30% from price
Relative volume
0.50×
Quiet session
Session range
2.04%
530.23 – 541.06
Position in range
59%
Mid range
ATR (14D)
20.05
3.74% of price
Prior day high
539.12
PDH
Prior day low
524.88
PDL
Bid / ask spread
—
Quote not published
Session volume
62.13K
Avg 124.08K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.10%
-2.0%
1M
-11.27%
-12.4%
3M
-14.69%
-19.2%
6M
+20.66%
+2.5%
YTD
+21.00%
+6.7%
1Y
+10.44%
-6.0%
3Y
+16.62%
-65.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CACC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-17.86K
Net selling
Buy transactions
39
105.98K shares
Sell transactions
37
123.85K shares
Net transactions
+76
Buys less sells
Sell : buy shares
1.2 : 1
Mixed
Insider-held shares
3.81M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 16, 26 | WATSON JILL FOSS Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.44K | $919.79K | Indirect |
| Jul 2, 26 | WATSON JILL FOSS Beneficial Owner of more than 10% of a Class of Security |
SELL | 11.00K | $7.19M | Indirect |
| Jun 26, 26 | KERBER ERIN J. Officer |
SELL | 5.72K | $3.60M | Direct |
| Jun 26, 26 | KERBER ERIN J. Officer |
CONVERSION | 5.72K | $2.31M | Direct |
| Jun 26, 26 | ELLIOTT NICHOLAS J Officer |
SELL | 2.31K | $1.45M | Direct |
| Jun 26, 26 | ELLIOTT NICHOLAS J Officer |
CONVERSION | 2.31K | $770.07K | Direct |
| Jun 25, 26 | KERBER ERIN J. Officer |
SELL | 11.59K | $7.04M | Direct |
| Jun 25, 26 | KERBER ERIN J. Officer |
CONVERSION | 11.59K | $4.68M | Direct |
| Jun 25, 26 | ELLIOTT NICHOLAS J Officer |
SELL | 4.67K | $2.84M | Direct |
| Jun 25, 26 | ELLIOTT NICHOLAS J Officer |
CONVERSION | 4.67K | $1.56M | Direct |
| Jun 24, 26 | LUM JONATHAN Chief Operating Officer |
SELL | 6.00K | $3.60M | Direct |
| Jun 24, 26 | LUM JONATHAN Chief Operating Officer |
CONVERSION | 6.00K | $2.00M | Direct |
| Jun 24, 26 | MARTIN JAY D. Chief Financial Officer |
SELL | 3.00K | $1.80M | Direct |
| Jun 24, 26 | MARTIN JAY D. Chief Financial Officer |
CONVERSION | 3.00K | $1.00M | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
HEGDE VINAYAK R |
Chief Executive Officer | 140.50K | Stock Award(Grant) |
LUM JONATHAN |
Chief Operating Officer | 31.61K | Sale |
MARTIN JAY D. |
Chief Financial Officer | 25.96K | Sale |
PRESCOTT GENERAL PARTNERS L L C |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
SMITH ARTHUR L |
Officer | 28.79K | Stock Award(Grant) |
TRYFOROS THOMAS N |
Director | 402.27K | Stock Award(Grant) |
ULATOWSKI DANIEL A |
Officer | 31.34K | Sale |
VALIYAVEETTIL RAVI MOHAN |
Chief Technology Officer | 25.98K | Sale |
VASSALLUZZO SCOTT J |
Director and Beneficial Owner of more than 10% of a Class of Security | 68.52K | Stock Award(Grant) |
WATSON JILL FOSS |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
Fundamentals
Market cap$5.57B
Enterprise value$11.85B
Revenue (TTM)$1.30B
Gross profit$1.23B
EBITDA—
Net income$501.90M
EPS (TTM)$45.74
Free cash flow—
Total cash$1.40M
Total debt$6.29B
Book value / share$153.13
Shares outstanding10.38M
Float5.12M
Short % of float28.68%
Dividend yield0.00%
Beta (5Y)1.40
Valuation & profitability ratios
Trailing P/E11.73
Forward P/E9.79
PEG ratio1.77
Price / sales—
Price / book3.50
EV / revenue9.10
EV / EBITDA—
Gross margin94.65%
Operating margin52.56%
Profit margin38.51%
Return on equity31.93%
Return on assets5.79%
Debt / equity395.63
Current ratio4.83
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $2.29B | $2.13B | $1.88B | $1.82B | +7.2% |
| Operating revenue | $2.29B | $2.13B | $1.88B | $1.82B | +7.2% |
| Cost of revenue | $871.70M | $802.20M | $617.40M | $475.00M | +8.7% |
| Gross profit | $1.42B | $1.33B | $1.26B | $1.35B | +6.3% |
| Selling, general & admin | $180.20M | $192.30M | $178.90M | $164.30M | -6.3% |
| Total operating expense | $796.30M | $1.01B | $915.10M | $645.70M | -20.9% |
| Operating income | $619.90M | $325.10M | $347.30M | $702.30M | +90.7% |
| Net interest income | $27.50M | $26.20M | $19.70M | $6.60M | +5.0% |
| Pre-tax income | $565.40M | $329.50M | $367.60M | $711.70M | +71.6% |
| Tax provision | $141.50M | $81.60M | $81.50M | $175.90M | +73.4% |
| Net income | $423.90M | $247.90M | $286.10M | $535.80M | +71.0% |
| Net income to common | $423.90M | $247.90M | $286.10M | $535.80M | +71.0% |
| Basic EPS | 37.02 | 20.12 | 22.09 | 39.50 | +84.0% |
| Diluted EPS | 36.38 | 19.88 | 21.99 | 39.32 | +83.0% |
| EBIT | $619.90M | $325.10M | $347.30M | $702.30M | +90.7% |
| EBITDA | $646.50M | $352.90M | $373.90M | $727.90M | +83.2% |
| Basic shares | 11.45M | 12.32M | 12.95M | 13.56M | -7.1% |
| Diluted shares | 11.65M | 12.47M | 13.01M | 13.63M | -6.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $22.80M | $343.70M | $13.20M | $7.70M | — | -93.4% |
| Cash & short-term investments | $22.80M | $343.70M | $13.20M | $7.70M | — | -93.4% |
| Total current assets | $8.49B | $8.71B | $7.44B | $6.73B | — | -2.6% |
| Property, plant & equipment | $12.60M | $14.70M | $46.50M | $51.40M | — | -14.3% |
| Total assets | $8.63B | $8.85B | $7.61B | $6.90B | — | -2.5% |
| Total current liabilities | $400.20M | $433.00M | $399.80M | $263.30M | — | -7.6% |
| Current debt | — | — | — | — | $2.60M | — |
| Long-term debt | $6.35B | $6.35B | $5.07B | $4.59B | — | +0.0% |
| Total debt | $6.35B | $6.35B | $5.07B | $4.59B | — | +0.0% |
| Total liabilities | $7.11B | $7.11B | $5.86B | $5.28B | — | +0.0% |
| Retained earnings | $1.12B | $1.41B | $1.48B | $1.38B | — | -20.9% |
| Shareholder equity | $1.52B | $1.75B | $1.75B | $1.62B | — | -12.9% |
| Working capital | $8.09B | $8.28B | $7.04B | $6.46B | — | -2.3% |
| Net tangible assets | $1.52B | $1.75B | $1.75B | $1.62B | — | -12.9% |
| Shares issued | 10.68M | 12.05M | 12.52M | 12.76M | — | -11.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $423.90M | $247.90M | $286.10M | $535.80M | +71.0% |
| Depreciation & amortisation | $26.60M | $27.80M | $26.60M | $25.60M | -4.3% |
| Stock-based compensation | $50.70M | $45.00M | $39.10M | $36.50M | +12.7% |
| Change in working capital | -$98.30M | $48.40M | $151.40M | $166.80M | -303.1% |
| Operating cash flow | $1.05B | $1.14B | $1.20B | $1.24B | -7.3% |
| Capital expenditure | -$1.60M | -$1.80M | -$4.00M | -$3.10M | +11.1% |
| Investing cash flow | -$674.30M | -$1.72B | -$1.42B | -$460.60M | +60.8% |
| Share buybacks | -$725.40M | -$313.30M | -$202.60M | -$784.50M | -131.5% |
| Financing cash flow | -$724.60M | $957.30M | $266.20M | -$794.60M | -175.7% |
| Free cash flow | $1.05B | $1.14B | $1.20B | $1.24B | -7.3% |
| End cash position | $500.70M | $845.00M | $470.90M | $417.70M | -40.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $582.20M | $574.80M | $573.60M | $576.40M | $575.60M | — | +1.3% |
| Operating revenue | $582.20M | $574.80M | $573.60M | $576.40M | $575.60M | — | +1.3% |
| Cost of revenue | $203.60M | $212.80M | $210.30M | $220.40M | $221.60M | — | -4.3% |
| Gross profit | $378.60M | $362.00M | $363.30M | $356.00M | $354.00M | — | +4.6% |
| Selling, general & admin | $56.00M | $52.60M | $400.00K | $61.10M | $71.80M | — | +6.5% |
| Total operating expense | $215.20M | $192.20M | $130.00M | $213.10M | $244.40M | — | +12.0% |
| Operating income | $163.40M | $169.80M | $233.30M | $142.90M | $109.60M | — | -3.8% |
| Net interest income | $5.00M | $4.80M | $5.60M | $5.70M | $7.80M | — | +4.2% |
| Pre-tax income | $168.60M | $175.00M | $157.00M | $148.90M | $117.80M | — | -3.7% |
| Tax provision | $32.70M | $39.20M | $35.00M | $40.70M | $30.40M | — | -16.6% |
| Net income | $135.90M | $135.80M | $122.00M | $108.20M | $87.40M | — | +0.1% |
| Net income to common | $135.90M | $135.80M | $122.00M | $108.20M | $87.40M | — | +0.1% |
| Basic EPS | — | 12.64 | 11.18 | 9.62 | 7.55 | 8.79 | — |
| Diluted EPS | — | 12.40 | 10.99 | 9.43 | 7.42 | 8.66 | — |
| EBIT | $163.40M | $169.80M | $233.30M | $142.90M | $109.60M | — | -3.8% |
| EBITDA | $168.80M | $175.70M | $239.40M | $149.70M | $116.40M | — | -3.9% |
| Basic shares | — | 10.74M | 10.91M | 11.25M | 11.57M | 12.09M | — |
| Diluted shares | — | 10.95M | 11.10M | 11.47M | 11.77M | 12.28M | — |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.40M | $25.70M | $22.80M | $15.90M | $70.00M | -94.6% |
| Cash & short-term investments | $1.40M | $25.70M | $22.80M | $15.90M | $70.00M | -94.6% |
| Total current assets | $8.47B | $8.54B | $8.49B | $8.49B | $8.58B | -0.9% |
| Property, plant & equipment | $14.10M | $13.20M | $12.60M | $12.90M | $13.20M | +6.8% |
| Total assets | $8.62B | $8.69B | $8.63B | $8.64B | $8.72B | -0.8% |
| Total current liabilities | $398.30M | $415.30M | $400.20M | $394.80M | $392.60M | -4.1% |
| Long-term debt | $6.29B | $6.41B | $6.35B | $6.37B | $6.47B | -1.9% |
| Total debt | $6.29B | $6.41B | $6.35B | $6.37B | $6.47B | -1.9% |
| Total liabilities | $7.03B | $7.18B | $7.11B | $7.06B | $7.17B | -2.0% |
| Retained earnings | $1.08B | $1.08B | $1.12B | $1.19B | $1.18B | -0.2% |
| Shareholder equity | $1.59B | $1.51B | $1.52B | $1.58B | $1.55B | +4.9% |
| Working capital | $8.07B | $8.13B | $8.09B | $8.10B | $8.19B | -0.7% |
| Net tangible assets | $1.59B | $1.51B | $1.52B | $1.58B | $1.55B | +4.9% |
| Shares issued | 10.38M | 10.42M | 10.68M | 11.04M | 11.24M | -0.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $135.90M | $135.80M | $122.00M | $108.20M | $87.40M | +0.1% |
| Depreciation & amortisation | $5.40M | $5.90M | $6.10M | $6.80M | $6.80M | -8.5% |
| Stock-based compensation | $8.70M | $11.30M | $13.00M | $12.10M | $12.70M | -23.0% |
| Change in working capital | $7.60M | $51.50M | -$57.00M | $28.30M | -$124.80M | -85.2% |
| Operating cash flow | $309.50M | $346.80M | $269.30M | $299.40M | $139.70M | -10.8% |
| Capital expenditure | -$1.60M | -$1.30M | -$400.00K | -$600.00K | -$300.00K | -23.1% |
| Investing cash flow | -$171.40M | -$192.10M | -$60.90M | -$127.60M | -$194.20M | +10.8% |
| Share buybacks | -$141.40M | -$178.90M | -$191.40M | -$107.40M | -$262.20M | +21.0% |
| Financing cash flow | -$197.40M | -$104.00M | -$206.50M | -$236.80M | -$502.30M | -89.8% |
| Free cash flow | $307.90M | $345.50M | $268.90M | $298.80M | $139.40M | -10.9% |
| End cash position | $492.10M | $551.40M | $500.70M | $498.80M | $563.80M | -10.8% |
Options analytics
Put / call volume
0.05
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
220.00
-59.0% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
+37.5%
Puts bid over calls
Call volume
21
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
600.00
1 contracts
Heaviest put OI
220.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 11.85 | 12.12 | +2.3% |
| Mar 2026 | 10.51 | 10.71 | +1.9% |
| Dec 2025 | 9.85 | 11.35 | +15.2% |
| Sep 2025 | 9.45 | 10.28 | +8.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 12.42 | 2 | $602.70M | +3.5% |
| Next quarter | 12.51 | 2 | $610.00M | +5.2% |
| Current year | 47.73 | 2 | $2.14B | -7.8% |
| Next year | 54.81 | 2 | $2.29B | +7.2% |
Analyst targets & ownership
Mean target$636.67
High target$660.00
Low target$600.00
Implied upside18.64%
Analyst count3
ConsensusNONE
Strong buy / Buy0 / 0
Hold3
Sell / Strong sell0 / 0
Held by insiders36.72%
Held by institutions76.49%
Institutions holding393
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
538.37
-0.32% from price
SMA 20
564.63
-4.97% from price
SMA 50
577.31
-7.05% from price
SMA 100
582.61
-7.89% from price
SMA 200
530.65
+1.12% from price
EMA 12
544.33
-1.41% from price
EMA 26
561.51
-4.43% from price
EMA 50
571.91
-6.17% from price
RSI (14)
37.8
Neutral
MACD (12,26,9)
-17.18
Hist -3.54
ATR (14)
20.05
3.74% of price
Realised vol 30D
23.7%
Annualised
Bollinger upper
624.70
20, 2σ
Bollinger lower
504.57
20, 2σ
50 / 200 cross
Golden
577.31 vs 530.65
Trend bias
Above 200
+1.12%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.27
More volatile than market
Correlation to SPY
0.44
Loosely linked
Realised vol 30D
23.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-22.1%
Peak to trough
Max drawdown 5Y
-45.7%
Peak to trough
ATR 14
20.05
3.74% of price
Beta (reported)
1.40
5Y monthly, from filing
Short interest
Shares short
982.76K
Prior 944.52K
Change vs prior
+4.0%
Shorts adding
% of float
28.68%
Heavily shorted
% of shares out
9.47%
Against total outstanding
Days to cover
9.5
Crowded exit
Float
5.12M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Oct 6, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Aug 5, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Jul 7, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| May 6, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Apr 17, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jan 30, 26 | TD Cowen | MAINTAINED | Hold | Hold |
| Oct 31, 25 | TD Cowen | MAINTAINED | Sell | Sell |
| Jan 31, 25 | TD Cowen | MAINTAINED | Sell | Sell |
| Jan 31, 25 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jan 8, 25 | TD Cowen | MAINTAINED | Sell | Sell |
| Nov 13, 24 | Stephens & Co. | INITIATED | — | Equal-Weight |
| Nov 1, 24 | TD Cowen | MAINTAINED | Sell | Sell |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split2:1
Split dateDec 21, 1994
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-21
Corporate Changes & Voting Matters
8-K · 2026-09-18
Corporate Changes & Voting Matters
8-K · 2026-09-04
Corporate Changes & Voting Matters
8-K · 2026-08-25
Corporate Changes & Voting Matters
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Asset-backed securities report pursuant to Section 15G
ABS-15G · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-24
Corporate Changes & Voting Matters
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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