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Credit Acceptance Corp Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 20 Sept 2024.
Credit Acceptance Corp: what insiders have been doing
Every trade that managers of Credit Acceptance Corp disclose to SEC (Form 4) is tracked on this page. The company sits in the Finance & Banking sector and is based in Southfield. It was founded in 1972. From 18 October 2025 to 18 October 2026, the disclosure feed for Credit Acceptance Corp logged 255 filings by 35 insiders.
No insider bought on the market over the period, while 8 insiders filed 145 sales totalling €28.9M. The totals do not cover 81 filings with an undisclosed amount. Biggest ticket of the year: €2.5M, sold by Lum Jonathan and made public on 2 June 2026 (0.043% of market cap).
For context, the typical company on the same exchange (median of 5,458 companies) published 22 filings over the same period, against 255 filings here. Looking back to 2016, when coverage begins, insiders filed 1 purchase and 241 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists revenue at 2.32 bn USD and net income at 423.9 m USD.
Typically, a trade is published a median of 2 days after it takes place. The legal deadline for a Form 4 is two business days after the transaction. A sale on its own says little: insiders also sell to pay tax, fund a purchase or diversify.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
427
Thresholds
n/a
Buy Volume
€400,582
1 ops. · all time
Sell Volume
€159M
241 ops. · all time
Who traded when
BuySaleKerber Erin J42 sales
Jill Foss Watson36 sales
Elliott Nicholas J35 sales
Martin Jay D23 sales
Booth Kenneth4 sales
Lum Jonathan4 sales
+3 other insiders
Analyst consensus: bullish or bearish?
Analysts rate Credit Acceptance Corp Hold (neutral), based on 3 analysts. Average price target: US$596.67.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 5,288 of 24,161 companies
65.8
score / 100
Value65
Quality67
FCF yld19%
Earn yld7.5%
EV/EBITDA18.6x
ROE32%
Gross mgn62%
Net mgn19%
Debt/EBITDA9.8x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$540.98
Analyst consensus
3 analystsHold
US$590.00Target US$596.67(+10%)US$600.00
Income statement
RevenueUS$2.3B
Gross profitUS$1.4B62% margin
EBITDAUS$646.5M28% margin
Net incomeUS$423.9M38.5% margin
Valuation
PER (trailing)11.9x
PER (forward)9.8x
P/Book3.5x
Beta1.40
Balance sheet & cash
Market capUS$5.7B
Total debtUS$6.4B
Free Cash FlowUS$1.1B
Debt / Equity396%
Profitability & ownership
ROE31.9%
ROA5.8%
% insiders36.7%
% institutions76.7%
Last declaration on 6 October 2026
Declarations427 total
15,000 shares@ US$535.000.14% mcap46.8% of flowCommonSEC144:0001969223-26-001064
12,000 shares@ US$555.000.12% mcap51.7% of flowCommonSEC144:0001969223-26-001037
5,568 shares@ US$555.000.054% mcap33.2% of flowCommonSEC144:0001969223-26-001038
14,064 shares@ US$555.000.14% mcap38.5% of flowCommonSEC144:0001969223-26-001041
6,105 shares@ US$555.000.059% mcap100.0% of flowCommonSEC144:0001969223-26-001040
10,000 shares@ US$615.750.11% mcap24.4% of flowCommonSEC144:0001959173-26-006723
1,453 shares@ US$589.000.015% mcap3.4% of flowCommonSEC144:0001959173-26-006311
2,500 shares@ US$604.000.026% mcap5.9% of flowCommonSEC144:0001959173-26-006345
2,547 shares@ US$594.00630.026% mcap6.0% of flowCommonSEC144:0001959173-26-005725
457 shares@ US$641.310.0051% mcap0.8% of flowCommon StockSEC:0001568982-26-000004:1
2 shares@ US$642.080.0000% mcap0.0% of flowCommon StockSEC:0001568982-26-000004:2
977 shares@ US$640.14880.011% mcap1.8% of flowCommon StockSEC:0001568982-26-000004:0
15,000 shares@ US$620.000.16% mcap100.0% of flowCommonSEC144:0001969223-26-000774
3,494 shares0Common StockSEC:0000885550-26-000168:0
20,000 shares@ US$650.000.23% mcap100.0% of flowCommonSEC144:0001969223-26-000766
20,000 shares@ US$650.000.23% mcap100.0% of flowCommonSEC144:0001969223-26-000767
1,503 shares@ US$649.380.017% mcap2.8% of flowCommon StockSEC:0001193125-26-297504:16
80 shares@ US$666.220.0009% mcap0.2% of flowCommon StockSEC:0001193125-26-297504:14
9,891 shares@ US$655.720.11% mcap7.1% of flowCommon StockSEC:0001104659-26-081269:0
689 shares@ US$653.080.0078% mcap1.3% of flowCommon StockSEC:0001193125-26-297504:5
175 shares@ US$657.110.0020% mcap0.3% of flowCommon StockSEC:0001193125-26-297504:8
156 shares@ US$659.020.0018% mcap0.3% of flowCommon StockSEC:0001193125-26-297504:9
813 shares@ US$664.110.0094% mcap1.5% of flowCommon StockSEC:0001193125-26-297504:12
81 shares@ US$665.280.0009% mcap0.2% of flowCommon StockSEC:0001193125-26-297504:13
1,130 shares@ US$648.320.013% mcap2.1% of flowCommon StockSEC:0001193125-26-297504:15
25 of 427 declarations
About Credit Acceptance Corp
Credit Acceptance Corp. (Nasdaq: CACC) is a U.S.-based specialty finance company focused on automobile financing for consumers who often do not qualify for traditional credit. The company is publicly listed on the Nasdaq Stock Market in the United States and is headquartered in Southfield, Michigan. Its core model is to provide innovative financing solutions that help auto dealers sell vehicles to consumers regardless of credit history, positioning Credit Acceptance as a dealer-focused finance partner rather than a conventional retail lender. ([ir.creditacceptance.com](https://www.ir.creditacceptance.com/?utm_source=openai))
According to the company’s own materials, Credit Acceptance was founded around the idea of enabling vehicle ownership for more people, and it describes itself as having been built “by a dealer for dealers.” That origin matters because it helps explain the company’s long-standing emphasis on dealer relationships, operational support, and ease of use for franchise and independent automobile dealers. In its latest reporting, the company states that it operates in a single reportable operating segment centered on offering dealers innovative financing solutions and related products. ([creditacceptance.com](https://www.creditacceptance.com/about?utm_source=openai))
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From a business-line perspective, the company’s main activity is auto finance. It works through a nationwide network of dealers that benefit from incremental vehicle sales to consumers who otherwise might not obtain financing, as well as from repeat and referral business. Credit Acceptance also continues to invest in product development, with management highlighting recent releases in digital credit applications, franchise dealer experience, and consumer self-service. That suggests the platform is becoming more digital and more integrated across the dealer and consumer journey. ([ir.creditacceptance.com](https://www.ir.creditacceptance.com/?utm_source=openai))
Credit Acceptance’s competitive position rests on several pillars: a specialized underwriting and servicing model, a national dealer footprint, and a long track record in subprime and near-prime auto finance. The company also highlights an important ancillary benefit of its programs: because it reports payment activity to the three major U.S. credit bureaus, consumers may be able to rebuild credit and transition to more traditional financing over time. This can strengthen customer value proposition and dealer retention. ([ir.creditacceptance.com](https://www.ir.creditacceptance.com/?utm_source=openai))
Recent developments have been constructive. In 2025, the company extended the non-revolving date on its $300.0 million revolving secured warehouse facility to July 30, 2028, improving funding flexibility. Its 2025 and 2026 earnings releases also show ongoing capital returns through share repurchases and continued product investments, while the company reported strong liquidity in its most recent quarterly materials. For investors, CACC is best viewed as a niche U.S. finance stock tied to the health of the auto credit market, underwriting performance, and funding-market conditions, with the added relevance of insider-trading monitoring through SEC Form 4 filings. ([sec.gov](https://www.sec.gov/Archives/edgar/data/885550/000088555025000088/cacc_8k20250730pr.htm?utm_source=openai))
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