CACC — Credit Acceptance Corporation

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Credit Acceptance Corporation

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 cons… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$560.41
Market Cap$5.73B
Float5.1M
Shares Outstanding10.5M
P/E (Forward)10.75
P/E (TTM)13.66
Price/Sales (TTM)4.49
vs. Analyst Target-4.2% to analyst PT
Profit Margin35.54%
Operating Margin (TTM)52.71%
Revenue (TTM)$1.28B
Earnings Growth (YoY)43.20%
Dividend RateNone
Analyst Target Price$536.67 (4 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $1.67B $421M $1.25B $577M
2021 $1.85B $958M $1.43B $1.28B
2022 $1.82B $536M $1.35B $728M
2023 $1.90B $286M $1.90B $368M
2024 $2.13B $248M $1.33B $353M
2025 $2.32B $424M $2.29B $1.06B

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $576M $87.4M
Sep 2025 $576M $108M
Dec 2025 $580M $122M
Mar 2026 $580M $136M

Ownership & Float

Insider Ownership56.2%
Institutional Ownership69.3%
Short Float18.0%
% of All Funds Holding2.97%
Number of Funds Holding244

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$503.38Near-term / short-term trend
Weekly40-Week SMA$480.38Medium-term trend
Weekly80-Week SMA$485.10Cyclical trend (business cycle)
Weekly200-Week SMA$485.36Secular trend (multi-year)
Monthly10-Month SMA$479.46Near-term monthly trend
Monthly20-Month SMA$483.39Medium-term monthly trend
Monthly40-Month SMA$488.80Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$423.00 support 1.43x 17 months ago

Historical Earnings Reactions (133 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap -0.98% 0.00% 45.86% 10.53% -42.31%
1 Day -0.09% 0.00% 48.12% 20.16% -38.46%
1 Week 0.61% 0.24% 51.13% 36.25% -44.87%
2 Weeks 1.11% 2.04% 57.89% 40.46% -43.59%
1 Month 2.55% 2.35% 56.82% 44.21% -47.44%

Next earnings: July 24, 2026 (56 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan2.0%55.9%34
Feb0.8%44.1%34
Mar1.5%58.8%34
Apr4.7%58.8%34
May4.1%57.6%33
Jun1.8%60.6%33
Jul3.2%52.9%34
Aug1.3%58.8%34
Sep0.3%58.8%34
Oct-1.0%44.1%34
Nov1.6%61.8%34
Dec4.7%76.5%34

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.04% 48.0% 1609
Tuesday 0.25% 50.0% 1757
Wednesday 0.16% 48.2% 1754
Thursday 0.04% 48.5% 1720
Friday 0.10% 47.5% 1711

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 69.3%

Insider Transactions — Smart Summary

Total insider ownership: 56.2%

12-Month Insider Activity Summary

Total Filings36
Net Value-$17.8M
Net Shares Change-41,960
% of Float-0.8%
C-Suite Filings28
Clusters Detected4

Key Insiders

NameTitleNet ValueFilingsActivity
Watson Jill Foss -$15.9M 2 2 sell
Booth Kenneth -$5.3M 4 4 sell
Martin Jay D Chief Financial Officer -$1.2M 1 1 sell
ULATOWSKI DANIEL A. Chief Sales Officer -$1.1M 2 3 sell
LUM JONATHAN Chief Operating Officer -$1.1M 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-08-26 – 2025-09-09 3 3 -$1.9M 3 C-suite
2026-02-03 – 2026-02-11 7 4 -$8.1M 5 C-suite
2026-04-21 – 2026-04-22 5 5 -$7.8M 3 C-suite
2026-05-08 – 2026-05-20 13 7 -$8.1M 10 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-05-20 Booth Kenneth -$1.8M Transaction at $443.97, now +26.2%
2026-05-18 Booth Kenneth -$830,500 Transaction at $437.75, now +28.0%
2026-04-22 Watson Jill Foss -$5.1M Transaction at $538.52, now +4.1%
2025-08-26 ULATOWSKI DANIEL A. Chief Sales Officer -$662,363.526 Transaction at $450.25, now +24.5%
2026-02-11 Martin Jay D Chief Financial Officer -$1.2M Transaction at $423.25, now +32.4%
2026-02-06 Booth Kenneth -$1.6M Transaction at $510.90, now +9.7%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Credit Acceptance Corporation (CACC) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for CACC on Trend Edge →