Credit Acceptance Corporation (CACC)

Over the past six months, Credit Acceptance Corp.'s stock price has experienced a decline. As of March 18, 2026, the share price was $461.25, representing an 8.12% decrease from March 19, 2025. More recently, the stock fell by 16.42% over the last month and 6.76% compared to the previous week as of March 31, 2026. On January 29, 2026, CACC reported its Q4 CY2025 earnings, which exceeded market expectations, with revenue up 46.3% year-on-year. Following this positive earnings announcement, CACC shares gained 10.4% the next day. Other notable events include a leadership transition, contingent legal loss expenses, and moderately declined loan performance.

Credit Acceptance Corp.'s business model focuses on providing auto financing to subprime borrowers. The company has historically demonstrated an ability to grow its loan volume consistently by expanding its network of dealer partners, even during varying market conditions. CACC's demand is more influenced by the availability of alternative financing for subprime borrowers and its strategic response to competitive landscapes rather than direct seasonal fluctuations in consumer demand for vehicles.

Credit Acceptance Corporation (CACC) is a consumer finance company specializing in automobile loans for consumers with limited or impaired credit histories. The company operates within the Financial Services sector, specifically in the Credit Services and Auto Loan industries. CACC provides auto financing solutions through a nationwide network of automobile dealers, offering Portfolio and Purchase Programs. The company also generates revenue through ancillary products such as vehicle service contracts (VSCs) and Guaranteed Asset Protection (GAP) coverage.

Credit Acceptance Corporation operates through a nationwide network of automobile dealers across the United States and maintains market area managers throughout the U.S. While CACC aims for a diverse geographic presence, a significant portion of its consumer loan assignments are expected to continue originating from dealers in five specific states due to prevailing economic, demographic, regulatory, and competitive conditions in those areas.

Credit Acceptance Corp. has faced scrutiny regarding its business practices, including investigations by the Department of Justice and the Federal Trade Commission. The company has also been criticized for repossessing a high percentage of the cars it finances and for its opaque accounting methods. Despite these criticisms, Credit Acceptance has also received positive recognition for its workplace environment, being named one of the "Best Places to Work in IT" and recognized as one of the "US Fortune Best Workplaces for Women™".

Credit Acceptance Corp. has a mixed ownership structure comprising institutional, insider, and individual investors. Institutional investors hold a significant portion, with approximately 51.44% to 58.21% of the company's stock. Insiders own approximately 22.64% of the stock. Key individual owners include Donald A. Foss Trust, which holds 11% of shares outstanding, and Marital Trust U/A Donald A. Foss Trust, owning 9.5% of common stock. The general public holds about a 10% stake.