Credit Acceptance Corporation (CACC)

From the record

Credit Acceptance Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Credit Acceptance Corporation's 10 filed years say what it did: revenue went from $969 million in fiscal 2016 to $2.3 billion in fiscal 2025, up 10.2% a year; it rose in 8 of 9 years; the deepest fall was 1% from fiscal 2021 to fiscal 2022; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Credit Acceptance Corporation's diluted share count shrank about 5.1% a year, and dividends and buybacks returned about 37% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 200 sales (189 under scheduled 10b5-1 plans) and 1 purchase of their own stock on the open market in the year to 2026-11-04, buying about $1 million (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Credit Acceptance Corporation earned about 28 cents of profit for every dollar of shareholders' money. Leverage: it owed about 82 cents per dollar of assets, and net share issuance: its share count shrank 6.6% over the year (the filed statements).

From the record

Credit Acceptance Corporation's standing among 11 graded names in its industry family: revenue of $2.3 billion in fiscal 2025 ranks in the top 50% by size; a net margin of 18.3% ranks in the top 32%; revenue growth of 8.1% a year over the last 3 filed years ranks in the top 50% (its annual reports).

From the record

Credit Acceptance Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Hegde, Vinayak (Chief Executive Officer, as filed), filing under that title since 2025-11-17, 12 months (bottom 23% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 5.5 years (bottom 23%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 50%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Credit Acceptance Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $23 million against no long-term debt tagged leaves 0.3% of its assets as net cash, top 23% of its family; cash from operations less capital spending is 45.4% of revenue (top 41%) (its annual report).

From the record

Credit Acceptance Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 8.1% a year over the last three filed years against 10.2% over all 10, slowing (top 41% of its family); the newest year grew 7.2% (bottom 41%); capital spending grew -19.8% a year (bottom 28%) (its annual reports). Credit Acceptance Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Credit Acceptance Corporation's newest year against its own record: revenue of $2.3 billion in fiscal 2025 came in 1.4% below the $2.3 billion its prior three years' pace pointed to (top 50% of its family); net income of $424 million against a prior three-year average of $357 million (bottom 41%); a net margin of 18.3% against 18.6% before (bottom 23%) (its annual reports).