CACC · Credit Acceptance Corp
$600.85
+7.21 (+1.21%)
At close · Aug 27
Market Cap
$6.25B
Shares
10.38M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$593.64
Open$603.06
Day$593.63–609.32
52W close$411.04–657.20
Avg vol 30d122K
Short int945K · 9.1% float · 8.1d
Short vol78%
Last earningsAug 4, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Nov 3, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 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
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
−1%
below
RSI (14)
52
neutral
MACD trend
Positive
52-week position
74%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+16%
trailing
YTD return
+34%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $600 › 200d $513 — 50d above 200d
Institutional flow
Accumulating
+14% holders QoQ · +74 funds added
Insider flow
Distributing
Net -$8.1M over 90 days · 100% sells
Short interest
Falling
9.10% of float · ▼ -9.4% MoM · 8.1 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
300 holders — near 3-yr high, broad support
Squeeze score
73
high risk · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+83%
Y/Y
Free cash flow
$1.1B
Valuation
P/E 13.3
in line
Balance sheet
$1.7B
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
3.0%
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.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+16%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
52
Neutral
MACD trend
Positive
Bullish
52-week position
74%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $600 › 200d $513 — 50d above 200d
Institutional flow
Accumulating
+14% holders QoQ · +74 funds added
Insider flow
Distributing
Net -$8.1M over 90 days · 100% sells
Short interest
Falling
9.10% of float · ▼ -9.4% MoM · 8.1 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr high
300 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $411
Now $594 · 74%
Range high $657
vs 200-day avg +16%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Active dealers | 11,004 | Q2 2026 | — |
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| Adjusted average capital non-GAAP | $8.59B | For the Three Months Ended June 30 | — |
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GAAP → non-GAAP reconciliationGAAP GAAP average debt 6.35B
+1.55B GAAP average shareholders' equity
-96.9M Income tax adjustment
+783.1M Floating yield adjustment
= Adjusted average capital 8.59B
|
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| Adjusted average loans receivable non-GAAP | $8.99B | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP GAAP average loans receivable, net 7.95B
+1.04B Average floating yield adjustment
= Adjusted average loans receivable 8.99B
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| Adjusted finance charges non-GAAP | $391.8M | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP GAAP finance charges 546.2M
-154.4M Floating yield adjustment
= Adjusted finance charges 391.8M
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| Adjusted finance charges as a percentage of adjusted average loans receivable non-GAAP | 17.4% | Q2 2026 | — |
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| Adjusted loans receivable non-GAAP | $9.01B | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP GAAP loans receivable, net 7.96B
+1.05B Floating yield adjustment
= Adjusted loans receivable 9.01B
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| Adjusted net income non-GAAP | $130.1M | Q2 2026 | — |
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| Adjusted net income per diluted share non-GAAP | $12.12 | Q2 2026 | — |
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| Adjusted net income plus interest expense (after-tax) non-GAAP | $210.6M | For the Three Months Ended June 30 | — |
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GAAP → non-GAAP reconciliationGAAP Adjusted net income 130.1M
+80.5M Interest expense (after-tax)
= Adjusted net income plus interest expense (after-tax) 210.6M
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| Adjusted operating expenses non-GAAP | $134.1M | Q2 2026 | — |
| Adjusted operating expenses as a percentage of adjusted average capital non-GAAP | 6.2% | Q2 2026 | — |
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| Adjusted return on capital non-GAAP | 9.8% | For the Three Months Ended June 30 | — |
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| Adjusted revenue non-GAAP | $415M | Q2 2026 | — |
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GAAP → non-GAAP reconciliationGAAP GAAP total revenue 587.4M
-154.4M Floating yield adjustment
-18M GAAP provision for claims
= Adjusted revenue 415M
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| Adjusted revenue as a percentage of adjusted average capital non-GAAP | 19.3% | Q2 2026 | — |
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| Average balance of our loan portfolio | 8B | Q2 2026 | — |
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| Average volume per active dealer | 7.7 | For the Three Months Ended June 30 | — |
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| Average volume per dealer active both periods | 9.9 | For the Three Months Ended June 30 | — |
| Average volume per dealer not active both periods | 4 | For the Three Months Ended June 30 | — |
| Consumer Loan assignment unit volume | 84,615 | Q2 2026 | — |
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| Cost of capital non-GAAP | 7.4% | For the Three Months Ended June 30 | — |
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| Dealer holdback and accelerated dealer holdback payments | $43.5M | Q2 2026 | — |
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| Dealers active both periods | 6,860 | For the Three Months Ended June 30 | — |
| Decrease in forecasted net cash flows | $39.1M | Q2 2026 | — |
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| Dollar Volume - Dealer Loans percentage | 65.2% | Three Months Ended June 30 | — |
| Dollar Volume - Purchased Loans percentage | 34.8% | Three Months Ended June 30 | — |
| Economic profit non-GAAP | $52.6M | For the Three Months Ended June 30 | — |
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| Economic profit per diluted share non-GAAP | $4.9 | For the Three Months Ended June 30 | — |
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| Forecasted Collection % - Dealer Loans 2026 Assignment Year as of June 30, 2026 | 65.7% | As of June 30, 2026 | — |
| Forecasted Collection % - Purchased Loans 2026 Assignment Year as of June 30, 2026 | 70.2% | As of June 30, 2026 | — |
| Interest expense (after-tax) non-GAAP | $80.5M | For the Three Months Ended June 30 | — |
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GAAP → non-GAAP reconciliationGAAP GAAP interest expense 107.4M
-26.9M Adjustment to record tax effect
= Interest expense (after-tax) 80.5M
|
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| Liquidity (unrestricted cash and cash equivalents and amounts available for borrowing under revo | 1.4B | Q2 2026 | — |
| Net dealer loans receivable as a percentage of total net loans receivable | 71% | As of June 30, 2026 | — |
| New active dealers | 1,210 | For the Three Months Ended June 30 | — |
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| New dealers enrolled | 1,456 | Q2 2026 | — |
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| Shares repurchased | 262,963 | Q2 2026 | — |
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| Spread % - Dealer Loans 2026 Assignment Year | 22.4% | As of June 30, 2026 | — |
| Spread % - Purchased Loans 2026 Assignment Year | 20.3% | As of June 30, 2026 | — |
| Year over Year Percent Change in Unit Volume | -1% | Three Months Ended June 30 | — |
| Consumer Loan assignment dollar volume | $1.1B | First Quarter 2026 | — |
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| Consumer Loan unit volume from dealers active both periods | 77,990 | Three Months Ended March 31, 2026 | — |
| Dealer Loans % of Consumer Loan Dollar Volume | 69.2% | Three Months Ended March 31, 2026 | — |
| Dealer Loans % of Consumer Loan Unit Volume | 72% | Three Months Ended March 31, 2026 | — |
| Dealers using digital applications product | 2,383 | First Quarter 2026 | — |
| Net dealer loans receivable as a percentage of total net loans receivable balance | 71.7% | As of March 31, 2026 | — |
| Percentage change in adjusted average capital compared to the same period in the prior year non-GAAP | -3.9% | Three Months Ended March 31, 2026 | — |
| Purchased Loans % of Consumer Loan Dollar Volume | 30.8% | Three Months Ended March 31, 2026 | — |
| Purchased Loans % of Consumer Loan Unit Volume | 28% | Three Months Ended March 31, 2026 | — |
| Unrestricted cash and cash equivalents and unused and available revolving lines of credit | $1.3B | As of March 31, 2026 | — |
| Year over Year Percent Change in Consumer Loan Dollar Volume | -4% | Three Months Ended March 31, 2026 | — |
| Year over Year Percent Change in Consumer Loan Unit Volume | -4.3% | Three Months Ended March 31, 2026 | — |
| Share repurchases | $191.4M | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
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
|
$6.25B | +33.9% | +7.2% | 13.3 | 9.1% |
|
V
Visa Inc.
|
$685.04B | +9.5% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$522.63B | +4.8% | +16.4% | 32.8 | 0.8% |
|
AXP
American Express Co
|
$227.01B | -9.1% | +13.4% | 20.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.81B | -10.4% | +36.6% | — | 1.7% |
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 | +1.8% | +6.6% | +16.1% | +4.4% | +33.9% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | +2.2% | +1.6% | +3.7% | +1.8% | +21.5% |
Capital returns
Buyback program
· as of Jun 30, 2026
Authorized
shares 1.76M
Spent (derived)
shares 607,148
Remaining
shares 1.15M
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.