CACC
Credit Acceptance Corp
$646.58
-10.62 (-1.62%)
At close · Jul 7
Market Cap
$6.76B
Shares
10,460,071
Price & Indicators
Indicators
Price
Panels
Event markers
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$646.58
Open$661.69
Day$641.37–667.10
52W$401.90–668.86
Avg vol 30d181K
Short int1.0M · 9.7% float · 6.4d
Short vol77%
Last earningsMay 5, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 5
Equibles Rating
blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 16.9 · calm
Equity put/call 0.86
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+31%
above
Price vs 50-day avg
+15%
above
RSI (14)
71
overbought
MACD trend
Positive
52-week position
92%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+19%
trailing
6-month return
+39%
trailing
YTD return
+46%
this year
Relative strength
+31%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $561 › 200d $493 — 50d above 200d
Institutional flow
Accumulating
6 of 262 funds reported for Jun 30 · net +292 sh shares
Insider flow
Distributing
Net -$50.2M over 90 days · 100% sells
Short interest
Rising
9.71% of float · ▲ +14.9% MoM · 6.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
262 holders — mid 3-yr range
Squeeze score
84
high risk · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+83%
Y/Y
Free cash flow
$1.1B
Valuation
P/E 16.1
in line
Balance sheet
$1.7B
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−23%
past year
ATR
3.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Up next
Next earnings call
Aug 5, 2026
Est · unconfirmed
· in 4 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+31%
Bullish
Price vs 50-day avg
+15%
Bullish
RSI (14)
71
Bearish
MACD trend
Positive
Bullish
52-week position
92%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $561 › 200d $493 — 50d above 200d
Institutional flow
Accumulating
6 of 262 funds reported for Jun 30 · net +292 sh shares
Insider flow
Distributing
Net -$50.2M over 90 days · 100% sells
Short interest
Rising
9.71% of float · ▲ +14.9% MoM · 6.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
262 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $402
Now $647 · 92%
52-wk high $669
vs 200-day avg +31%
vs 50-day avg +15%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Active dealers | 10,977 | Q1 2026 | — |
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| Adjusted net income non-GAAP | $117.3M | Q1 2026 | — |
| Adjusted net income per diluted share non-GAAP | $10.71 | Q1 2026 | — |
| Average balance of loan portfolio | $7.9B | Q1 2026 | — |
| Consumer Loan assignment dollar volume | $1.1B | Q1 2026 | — |
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| Consumer Loan assignment unit volume | 95,992 | Q1 2026 | — |
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| Dealer holdback and accelerated dealer holdback payments | $47.1M | Q1 2026 | — |
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| Dealers using digital credit applications product | 2,383 | Q1 2026 | — |
| Decrease in forecasted net cash flows | $9.1M | Q1 2026 | — |
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| Inbound customer service calls routed to AI agent | 27% | March 2026 | — |
| New dealers enrolled | 1,526 | Q1 2026 | — |
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| Shares repurchased | 365,258 | Q1 2026 | — |
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| ABS transaction all-in cost | 5.2% | Q1 2026 call | — |
| ABS transaction capital raised | $450M | Q1 2026 call | — |
| average loan portfolio (adjusted basis) non-GAAP | $8.9B | Q1 2026 call | — |
| average unit volume per active dealer year-over-year change | -6.5% | Q1 2026 call | — |
| collections | $1.5B | Q1 2026 call | — |
| consumer loan assignment unit volume year-over-year change | -4.3% | Q1 2026 call | — |
| contracts financed | 96,000 | Q1 2026 call | — |
| dealer holdback and accelerated dealer holdback paid | $47M | Q1 2026 call | — |
| forecasted net cash flows from loan portfolio change | -$9.1M | Q1 2026 call | — |
| loan dollar volume year-over-year change | -4% | Q1 2026 call | — |
| market share in core segment (subprime used vehicles) | 4.5% | first two months of Q1 2026 call | — |
| purchased loan mix | 28% | Q1 2026 call | — |
| Average balance of our loan portfolio | $7.9B | three months ended December 31, 2025 | — |
| Contingent loss excluded from adjusted results non-GAAP | $35.8M | three months ended December 31, 2025 | — |
| Decrease in forecasted net cash flows % change | 0.3% | three months ended December 31, 2025 | — |
| Share repurchase amount | $191.4M | three months ended December 31, 2025 | — |
| Unrestricted cash and cash equivalents and unused and available revolving lines of credit | $1.7B | as of December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CACC
this stock
Credit Acceptance Corp
|
$6.76B | +45.8% | +7.2% | 16.1 | 9.7% |
|
V
Visa Inc.
|
$631.76B | +0.6% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$469.73B | -6.7% | +16.4% | 30.8 | 0.8% |
|
AXP
American Express Co
|
$238.53B | -5.3% | +13.4% | 21.8 | 1.8% |
|
COF
Capital One Financial Corp
|
$120.48B | -16.0% | +36.6% | 49.4 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CACC | +1.3% | +18.7% | +38.8% | +1.6% | +45.8% |
| SPY | +0.9% | +1.4% | +7.6% | +0.1% | +9.7% |
| vs SPY | +0.4% | +17.3% | +31.2% | +1.4% | +36.2% |
Capital returns
Buyback program
· as of Mar 31, 2026
Authorized
shares 1.76M
Spent (derived)
shares 349,691
Remaining
shares 1.41M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.