Credit Acceptance Corp (CACC)
Credit Acceptance Corp brought in $2.3B of revenue over the twelve months to September 30, 2026, up 1.7% from a year earlier. Net income was $337.1M, a net margin of 14.4%. Operating cash flow minus capital spending left $1.1B of free cash flow in fiscal 2025. At September 30, 2026 it held $1.3M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 29, 2026.
Key facts about Credit Acceptance Corp
- Net worth
- Credit Acceptance Corp has a market value (market cap) of $5.6B at the latest share price, and shareholders' equity of $1.4B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $2.3B (+7.2% year on year), with net income of $423.9M. Over the 12 months to September 30, 2026: revenue $2.3B, net income $337.1M.
- Cash flow
- In fiscal 2025 operations brought in $1.1B of cash; after $1.6M of capital spending, free cash flow was $1.1B.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 29, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Credit Acceptance Corp's next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Credit Acceptance Corp does
Credit Acceptance Corp is registered with the SEC under industry code SIC 6141 (Personal Credit Institutions). Its shares trade on NASDAQ under the ticker CACC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $2.3B | $423.9M | $36.38 | $1.1B |
| 2024 | $2.2B | $247.9M | $19.88 | $1.1B |
| 2023 | $1.9B | $286.1M | $21.99 | $1.2B |
| 2022 | $1.8B | $535.8M | $39.32 | $1.2B |
| 2021 | $1.9B | $958.3M | $59.52 | $1.1B |
| 2020 | $1.7B | $421M | $23.47 | $976.7M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CACC ranks in Finance
Latest SEC filings
What Credit Acceptance Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Form ABS-15G filing ABS-15G
- October 29, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 2.1% to $594.6M versus the same quarter last year; diluted EPS -$5.43 versus $9.43.
- October 29, 2026
- September 21, 2026Material agreement8-KCredit Acceptance extended two $500.0 million financing facilities to September 2028.
- September 18, 2026Material agreement8-KCredit Acceptance agreed to consent judgments with 40 states and the District of Columbia to resolve a 2023 lawsuit and multi-state investigation.
- September 4, 2026
- August 25, 2026
- August 13, 2026Passive stake changed SCHEDULE 13G/A
- August 4, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 0.6% to $587.4M versus the same quarter last year; diluted EPS $12.66 versus $7.42.
- August 4, 2026
What is CACC worth? A DCF from its reported cash flow
Insider trades
What the people running Credit Acceptance Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $1.5M worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 2, 2026 | Tryforos Thomas NDirector | Boughtindirect | 3,000 | $1.5M |
| July 16, 2026 | Watson Jill Foss10% owner | Soldindirect | 977 | $625.4K |
| July 16, 2026 | Watson Jill Foss10% owner | Soldindirect | 457 | $293.1K |
| July 16, 2026 | Watson Jill Foss10% owner | Soldindirect | 2 | $1.3K |
| July 2, 2026 | Prescott General Partners LLC10% owner | Other changeindirect | 9,891 | $6.5M |
| July 2, 2026 | Watson Jill Foss10% owner | Soldindirect | 184 | $119K |
| July 2, 2026 | Watson Jill Foss10% owner | Soldindirect | 53 | $34.4K |
| July 2, 2026 | Watson Jill Foss10% owner | Soldindirect | 413 | $268.4K |
Who owns CACC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Allan V. Apple, not individually but solely in capacity as trustee13D, may seek influence with 5 related filers | 19.8% | June 5, 2026 |
| Jill Foss Watson13D, may seek influence with 5 related filers | 14.5% | June 5, 2026 |
| Prescott General Partners LLC13D, may seek influence with 4 related filers | 13.6% | July 7, 2026 |
| John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 198113G, passive | 6.3% | August 13, 2026 |
| Boston Partners13G, passive | 5.09% | May 14, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 298 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Prescott General Partners LLC | 1,436,951 | 0 |
| BlackRock, Inc. | 642,097 | +410,464 |
| Boston Partners | 573,616 | +13,408 |
| Gobi Capital LLC | 358,067 | 0 |
| Beck Mack & Oliver LLC | 305,983 | -3,001 |
| Wellington Management Group Llp | 260,084 | +1,186 |
| Dimensional Fund Advisors LP | 237,444 | +6,729 |
| Vanguard Portfolio Management LLC | 225,244 | +52,857 |
| Universal- Beteiligungs- und Servicegesellschaft mbH | 213,684 | -17,647 |
| Vanguard Capital Management LLC | 208,412 | -4,619 |
| Smead Capital Management, Inc. | 198,808 | -11,662 |
| State Street Corp | 176,917 | +82,655 |
| Goldman Sachs Group Inc | 169,014 | +106,740 |
| Fmr LLC | 162,447 | +58,190 |
| UBS Group AG | 153,563 | +90,994 |
| Axxion S.A. | 140,739 | new |
| American Century Companies Inc | 119,230 | +27,494 |
| RV Capital AG | 108,272 | -15,888 |
| Goodnow Investment Group, LLC | 106,131 | -10,240 |
| Northern Trust Corp | 103,975 | +15,071 |
Insiders
18 insiders reported holding 1,445,562 shares in total, about $774.8M at the last price.
| Holder | Shares |
|---|---|
| Prescott General Partners LLC10% owner | 901,241901,241 held indirectly |
| Hegde VinayakChief Executive Officer, Director | 140,502 |
| Vassalluzzo Scott JDirector, 10% owner | 65,758 |
| Watson Jill Foss10% owner | 47,91047,910 held indirectly |
| Lum JonathanChief Operating Officer | 31,609 |
| Smith Arthur LChief Analytics Officer | 27,894 |
| Ulatowski Daniel A.Chief Sales Officer | 27,338 |
| Valiyaveettil Ravi MohanChief Technology Officer | 25,985 |
| Martin Jay DChief Financial Officer | 25,963 |
| Kerber Erin JChief Legal Officer | 25,711 |
Questions about CACC
What does Credit Acceptance Corp do?
Credit Acceptance Corp is a company in the Finance sector, listed on NASDAQ as CACC. Its shares trade on NASDAQ under the ticker CACC.
What is Credit Acceptance Corp's net worth?
Credit Acceptance Corp has a market value (market cap) of $5.6B at the latest share price, and shareholders' equity of $1.4B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Credit Acceptance Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $337.1M on revenue of $2.3B, a net margin of 14.4%.
How much revenue does Credit Acceptance Corp make?
Over the twelve months to September 30, 2026 Credit Acceptance Corp reported revenue of $2.3B. That is 1.7% more than a year earlier.
When did Credit Acceptance Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 29, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the form ABS-15G filing from November 6, 2026.
When is Credit Acceptance Corp's next earnings report?
Credit Acceptance Corp's next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Credit Acceptance Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.