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Credit Acceptance Corporation (CACC) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$464.89 -19.26% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $447.89

Credit Acceptance Corporation (CACC) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

πŸ“Š Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) β†’
ROARABLE D β€’ SELL / AVOID Cap $4.71B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CACC Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CACC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Credit Acceptance Corporation (NASDAQ: CACC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $464.89 (-19.26% 1D, market cap $4.71B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CACC ranks #639 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CACC compare to RIOT and FIGR in the Financials sector?
β–Ό

Within the Financials sector (Finance: Consumer Services), CACC carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of 0.0%. By comparison, RIOT (Riot Platforms Inc.) holds a E grade (33/100 RQD, P/E N/A, ROIC -15.3%, cap $4.81B) and FIGR (Figure Technology Solutions Inc.) posts a D grade (50/100 RQD, P/E 39.5x, ROIC 21.9%, cap $4.84B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CACC?
β–Ό

Per CACC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000885550), Credit Acceptance Corporation generated $2.32B in revenue (+7.2% YoY), $424 in net income, and $1.05B in free cash flow against $8.63B in total assets and $3.20B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $447.88 (-3.66%)🧬 Cannibal Buyback (-1.52% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 45.4% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY β€’ 49.3% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D
025507510050
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D Β· Rk D+
Cash (11)Whales (5)SEC (15)Macro (6)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-3.6% Base Target
$702 Bull$448 Base$350 Bear
πŸ“¬ FREE CACC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CACC)Realized 20D OHLCV Swing Band: Β±9.7%
Deterministic 5-Pillar Attribution (50/100 Composite)
πŸ” WHY CACC SCORES 50/100 (D) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 8/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy β€’ Cannibal Buyback (-1.52% YoY Shares)

β–Ό #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
58
Grade C$532.31+1.7% Next Q
Q2 (-2Q)
55
Grade C$541.25+0.7% Next Q
Q3 (-1Q)
53
Grade C-$544.90-14.7% Next Q
Current
50
Grade D$464.89-1.4% Hist 90D Ξ±
Trajectory: C (58) β†’ D (50)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a CACC Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While CACC currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($560.46) and Max Pain ($488.13) forces dealer call-delta covering toward $702.30.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CACCβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCACC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 50%NO 50%Trade / Inspect Odds β†’
SEC FORM 4 Γ— 13F HEDGE FUNDS Γ— CONGRESSIONAL STOCK ACT

CACC Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales β†’
β–² Disclosed Buys: 0 ($0)β–Ό Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CACC)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CACC. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CACC)

  • βœ“Walkthrough of CACC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CACC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -8.31%πŸ›‘οΈ HOLDING TREND SUPPORT
2026-11-03O $575.8H $575.8L $464.9C $464.9VOL 386.5K
RES: $575.3SUP: $451.3SMA50: $560.5SMA200: $538.9
$683.8$621.9$560.0$498.1$436.2RES $575.3SUP $451.3$464.92026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CACC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ CACC Butterfly Map β†’ + Track CACC β†’
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
48.0%/yr Implied 5Y Growth

vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CACC today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for CACC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CACC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CACC)

Financials Rank #639 of 1096 βš”οΈ RIOT vs CACC Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (CACC vs. RIOT, FIGR, SEZL, NNI)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Credit Acceptance Corporation (CACC) ranks #639 by composite RQD confidence (50/100, grade D) and #280 by equity capitalization ($4.71B). Within this direct 5-issuer industry benchmark cohort, NNI leads on earnings valuation at 10.3x trailing P/E, while SEZL leads on capital efficiency and profitability with 38.6% ROIC and β€” gross margin. SEZL currently holds the highest overall quantitative score in the immediate peer group at 79/100 (B+) compared with CACC at 50/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CACC ACTIVE
Credit Acceptance Corporation
D 50/100 β€” β€” 0.0% -19.26% $4.71B Benchmark Subject
RIOT
Riot Platforms Inc.
E 33/100 β€” β€” -15.3% -6.77% $4.81B /riot-vs-cacc β†’
FIGR
Figure Technology Solutions Inc.
D 50/100 39.5x β€” 21.9% -8.52% $4.84B /figr-vs-cacc β†’
SEZL
Sezzle Inc.
B+ 79/100 β€” β€” 38.6% +0.74% $4.56B /sezl-vs-cacc β†’
NNI
Nelnet Inc.
D+ 53/100 10.3x β€” 11.6% -0.87% $4.38B /nni-vs-cacc β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000885550

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Credit Acceptance Corporation (CACC) reported GAAP revenue of $2.32B (+7.2% vs. FY2024 revenue of $2.16B , and +21.8% cumulative change since FY2023) , GAAP net income of $424, operating cash flow of $1.05B, and free cash flow of $1.05B (-7.3% YoY). On the balance sheet, CACC closed FY2025 with $8.63B in total assets against $3.20B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.32B $424 $1.05B $1.05B $8.63B $3.20B
FY2024 (FY) 2024-12-31 $2.16B $248 $1.14B $1.14B $8.85B $3.20B
FY2023 (FY) 2023-12-31 $1.90B $286 $1.20B $1.12B $3.29B $769.2M

3. CACC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CACC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Credit Acceptance Corporation (NASDAQ: CACC) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $464.89 (-19.26% 1D, market cap $4.71B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CACC ranks #639 in composite RQD confidence.

How does CACC compare to RIOT and FIGR in the Financials sector?

Within the Financials sector (Finance: Consumer Services), CACC carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of 0.0%. By comparison, RIOT (Riot Platforms Inc.) holds a E grade (33/100 RQD, P/E N/A, ROIC -15.3%, cap $4.81B) and FIGR (Figure Technology Solutions Inc.) posts a D grade (50/100 RQD, P/E 39.5x, ROIC 21.9%, cap $4.84B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while SEZL leads on capital efficiency (38.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CACC?

Per CACC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000885550), Credit Acceptance Corporation generated $2.32B in revenue (+7.2% YoY), $424 in net income, and $1.05B in free cash flow against $8.63B in total assets and $3.20B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CACC trading relative to its 50-day, 200-day, and 52-week technical levels?

CACC last traded at $464.89 (-19.26% on volume of 386,494 shares), positioning the stock -17.05% below its 50-day simple moving average ($560.46) and -13.74% below its 200-day simple moving average ($538.94). Across its 52-week range of $401.90 to $668.86, CACC sits at the 23.6% percentile with a 14-day RSI of 39.3 (NEUTRAL RANGE) and an implied next-earnings move of Β±9.7% ($419.80 to $509.98).

CACC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

Are CACC insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies CACC leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: CACC RQD Cockpit CACC 12M Forecast CACC Earnings & Move CACC Dividends & DRIP CACC Insiders & 13F CACC Whale Options CACC Profit Sankey CACC News & Why
ROARABLE RATING BRIEF β€’ RQD 50/100 (D) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

CACC β€” Credit Acceptance Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:19:33Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, CACC carries an RQD Score of 63, a letter grade of C, and the verdict label "Roarable Hold β€” Fair / Balanced Risk-Reward." The five pillars are:

  • Fundamental Cash Engine: 11 / 20. Reported ROIC is 0%, while the FCF yield is 17.62%. The cash generation metric is strong relative to market value, but the return on invested capital metric is flat. An investor should weigh the high free-cash-flow yield against the absence of a measurable return on capital.
  • Whale 13F Flow: 14 / 20. The rating reflects institutional accumulation and options positioning. This is a moderate-positive signal, with no further detail in the source data.
  • Insider Conviction: 13 / 20. The rating reflects SEC Form 4 and Congressional PTR cluster flow. This is a moderate signal; the source data does not break out the direction or size of individual transactions.
  • Macro Regime Fit: 10 / 20. Beta is 1.02, and the rating notes sector sensitivity. The stock moves roughly in line with the market, and the lowest-scoring pillar indicates limited alignment with the current macro regime.
  • Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 8/9, and Debt/Equity is 0.5. These are the strongest pillar readings and support the view that the balance sheet is a relative strength.

Taken together, the rating is a middling score. The balance sheet and cash-flow yield offer support, while the flat ROIC, weak macro fit, and only moderate insider and institutional signals limit conviction. A prospective investor would be evaluating a balanced risk-reward profile rather than a clear-cut opportunity, and the valuation tradeoff is significant given the elevated EV/EBITDA shown below.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$2317.2M$0.0M$0.0MN/A$1053.0M$22.8M$3198.6M
FY 2024$2162.4M$0.0M$0.0MN/A$1136.1M$343.7M$3197.2M
FY 2023$1901.9M$0.0M$0.0MN/A$1118.2MN/A$769.2M

Per the SEC financials, reported revenue rose from $1901.9M in FY 2023 to $2317.2M in FY 2025, while operating income and net income are reported as $0.0M in each period. Gross, operating, and net margins are each 0%, and ROIC is 0% per the market data. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, and the balance sheet shows Debt/Equity of 0.5. Cash declined from $343.7M in FY 2024 to $22.8M in FY 2025, while debt was broadly stable at $3198.6M and $3197.2M across those two years.

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts section, six items are listed, related to CACC:

  • Market wire items (YELLOW): Items from CNN, Stocktwits, and Simply Wall St are flagged as market wire coverage, along with a Seeking Alpha item covering the 2026 Q3 results and earnings call presentation dated 2026-10-29.
  • Risk watch items (RED): Items from Yahoo Finance and TradingView are flagged as risk watch. The Yahoo Finance headline states that the shares are falling today, and the TradingView headline references a 19.3% decline following Q3 earnings.
  • Proprietary signals: The Butterfly Supply-Chain Graph lists no proprietary signals.

The most salient catalyst in the feed is the post-Q3 earnings decline. Per the news wire, the shares fell 19.3% after Q3 earnings, while the market data shows the stock up 5.67% on the reporting day. The feed therefore contains both a negative earnings reaction and a same-day gain, and the source data does not reconcile the two.

Open Questions

  • What are the company's reported P/E (TTM), forward P/E, and EPS, given that these fields are absent while the market data shows an EV/EBITDA of 95?
  • Why are reported net income and operating income $0.0M in each fiscal year, and how does that reconcile with the 0% net margin and the 17.62% FCF yield?
  • What drove the post-Q3 earnings decline described in the news wire, and how does it reconcile with the same-day 5.67% price change?
  • Which institutional holders, insiders, or Congressional traders are behind the flow signals referenced in the RQD pillars, given that the holders section is empty?
  • What explains the drop in cash from $343.7M in FY 2024 to $22.8M in FY 2025, and what is the company's plan for its $3198.6M debt load?

CACC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Credit Acceptance Corporation (CACC) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CACC Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CACC Bull vs. Bear Conversation Board β€” What's Your Call at $464.89?

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CACC 🐻 50% BEARISH CONVICTION
1. Pick Your Side on CACC:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $621.84 (+8.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is CACC (C β€’ RQD 63/100) a Buy at $575.78?

Welcome to the CACC (Credit Acceptance Corporation) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold β€” Fair / Balanced Risk-Reward) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $431.84 (-25.0%)
Spot @ $575.78

Pump the brakes on CACC β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on CACC, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Credit Acceptance Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $737.00 (+28.0%)
Spot @ $575.78

CACC cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on CACC, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $575.78 (52-wk range $401.90 - $668.86), any beat on forward guidance forces shorts and underweight funds to chase.

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