Cacc.O
Business description not yet wired for this issuer.
Business. CACC.O is a financial services company operating in the Consumer Lending industry within the Banking & Investment Services sector. The firm generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data. Consequently, the company is described at the industry level without geographic or segment-specific breakdowns.
Analyst recommendations
3 analysts · consensus HoldAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Credit Acceptance Corp (CACC.O) has entered the analyst coverage universe, marking the first formal analysis for the ticker. This initial assessment establishes a baseline for the company, which is currently followed by seven analysts and monitored by a single officer. The absence of prior data means there is no historical delta to compute, but the initiation of coverage provides a foundational reference point for future performance tracking and valuation comparisons. The most material development in the recent data cycle is a series of notable additions to the company's shareholder base. Multiple investors have initiated new positions in Credit Acceptance Corp, signaling fresh institutional interest. These additions were detected on June 20, 2026, and reflect a broadening of the ownership structure across various reporting periods, including positions held as of late 2024 and early 2026. Specific holder changes include significant stakes reported as of March 31, 2026, with one investor holding 230,715 shares valued at approximately $97.7 million, representing a 2.03% weight. Other notable additions during the same period include positions of 94,262 shares ($39.9 million), 90,915 shares ($38.5 million), and 76,424 shares ($32.4 million). Additionally, a position of 395,474 shares valued at $175.4 million was recorded as of December 31, 2025, and another of 292,691 shares valued at $150.6 million was noted as of June 30, 2024. These inflows contribute to a top holder count of 30, indicating a diversified ownership base despite the company's lack of index membership. The accumulation of shares by multiple investors suggests growing confidence in Credit Acceptance Corp's prospects, providing a counterbalance to the limited officer oversight. As the company builds its analyst profile and expands its shareholder roster, these structural changes lay the groundwork for increased market visibility and potential liquidity improvements.
Signals & dispatch
Composite-score breakdown
Synthesis
CACC.O is a financial services company operating in the Consumer Lending industry within the Banking & Investment Services sector. The firm generates revenue primarily through a fee-income model associated with banking activities. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data. Consequently, the company is described at the industry level without geographic or segment-specific breakdowns.
# CACC.O - Business Summary
CACC.O operates in the consumer lending industry, providing financial services primarily through banking activities.
# CACC.O - Classification Summary
CACC.O is classified under the Financials economic sector, Banking & Investment Services business sector, and Consumer Lending industry with a confidence level of 0.92.
# CACC.O - Narrative
CACC.O has a market capitalization of $7.09 billion and a price-to-earnings ratio of 16.73, indicating a moderate valuation relative to its earnings. The company's price-to-book ratio is 4.66, suggesting that the market values the company at a premium to its book value. The liquidity position is characterized as medium, with a cash and equivalents balance of $22.8 million, which is significantly lower than the long-term debt of $6.35 billion.
In terms of profitability, CACC.O reports a return on equity of 27.82% and a return on assets of 4.91%, which are strong indicators of efficient use of equity and assets. The company's operating income of $1.03 billion and net income of $423.9 million reflect a healthy profit margin, although the debt-to-equity ratio of 4.17 indicates a high level of leverage.
Geographically, CACC.O's revenue is concentrated in the United States, with no significant international operations disclosed in the available data. The company's revenue concentration in a single market may expose it to regional economic fluctuations and regulatory changes.
The growth trajectory of CACC.O is expected to remain stable, with no significant changes in revenue or profit margins projected for the next fiscal year. The company's capital expenditure is minimal, with a negative value of $1.6 million, indicating a focus on maintaining rather than expanding its asset base.
Risk factors for CACC.O include a medium liquidity risk due to the company's high debt levels and limited cash reserves. The dilution potential is assessed as low, with no significant changes in shares outstanding between basic and diluted figures. The company's risk assessment also highlights a key flag of negative net cash after subtracting total debt, which could impact its financial flexibility.
Recent events for CACC.O include analyst estimates that suggest a range of price targets from $450 to $540, with a mean recommendation of 3.00, indicating a neutral stance from analysts. The company has not issued any new shares recently, and there are no indications of upcoming dilutive events.
# CACC.O - Key Takeaways
- CACC.O is a consumer lending company with a strong return on equity and a moderate price-to-earnings ratio. - The company's high debt-to-equity ratio indicates a leveraged capital structure, which could pose financial risks. - CACC.O's revenue is concentrated in the United States, making it susceptible to regional economic conditions. - Analysts have a neutral outlook on CACC.O, with a range of price targets suggesting potential for both growth and decline.
# CACC.O - Rationales
# CACC.O - Inversion (DS-6)
# CACC.O - Self Scoring (§A.8)
Credit Acceptance Corp (CACC.O) has entered the analyst coverage universe, marking the first formal analysis for the ticker. This initial assessment establishes a baseline for the company, which is currently followed by seven analysts and monitored by a single officer. The absence of prior data means there is no historical delta to compute, but the initiation of coverage provides a foundational reference point for future performance tracking and valuation comparisons. The most material development in the recent data cycle is a series of notable additions to the company's shareholder base. Multiple investors have initiated new positions in Credit Acceptance Corp, signaling fresh institutional interest. These additions were detected on June 20, 2026, and reflect a broadening of the ownership structure across various reporting periods, including positions held as of late 2024 and early 2026. Specific holder changes include significant stakes reported as of March 31, 2026, with one investor holding 230,715 shares valued at approximately $97.7 million, representing a 2.03% weight. Other notable additions during the same period include positions of 94,262 shares ($39.9 million), 90,915 shares ($38.5 million), and 76,424 shares ($32.4 million). Additionally, a position of 395,474 shares valued at $175.4 million was recorded as of December 31, 2025, and another of 292,691 shares valued at $150.6 million was noted as of June 30, 2024. These inflows contribute to a top holder count of 30, indicating a diversified ownership base despite the company's lack of index membership. The accumulation of shares by multiple investors suggests growing confidence in Credit Acceptance Corp's prospects, providing a counterbalance to the limited officer oversight. As the company builds its analyst profile and expands its shareholder roster, these structural changes lay the groundwork for increased market visibility and potential liquidity improvements.
- Credit Acceptance Corp (CACC.O) has entered the analyst coverage universe, marking the first formal analysis for the ticker.
- This initial assessment establishes a baseline for the company, which is currently followed by seven analysts and monitored by a single officer.
- The absence of prior data means there is no historical delta to compute, but the initiation of coverage provides a foundational reference point for future performance tracking and valuation comparisons.
- The most material development in the recent data cycle is a series of notable additions to the company's shareholder base.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 47,35 |
| Revenue | —no estimate | —no estimate | 2,4B USD |
| Operating income | —no estimate | —no estimate | 1,2B USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 3 303 @ $454,11exercise · 2026-06-26
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 2 417 @ $333,94exercise · 2026-06-26
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 2 306 @ $333,94exercise · 2026-06-26
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 1 183 @ $333,94exercise · 2026-06-25
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 1 697 @ $454,11exercise · 2026-06-25
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 1 240 @ $333,94exercise · 2026-06-25
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 3 656 @ $333,94exercise · 2026-06-24
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 5 000 @ $454,11exercise · 2026-06-24
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 3 487 @ $333,94exercise · 2026-06-24
- Chief Financial Officer · Employee Stock Option (right to buy) → Common StockDisposed 3 000 @ $333,94exercise · 2026-06-24
- Chief Operating Officer · Employee Stock Option (right to buy) → Common StockDisposed 6 000 @ $333,94exercise · 2026-06-24
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 2 @ $333,94exercise · 2026-06-17
- Chief Financial Officer · Employee Stock Option (right to buy) → Common StockDisposed 2 @ $333,94exercise · 2026-06-17
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 3 @ $333,94exercise · 2026-06-17
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 36 @ $333,94exercise · 2026-06-16
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 27 @ $333,94exercise · 2026-06-16
- Chief Financial Officer · Employee Stock Option (right to buy) → Common StockDisposed 25 @ $333,94exercise · 2026-06-16
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 16 @ $333,94exercise · 2026-06-15
- Chief Financial Officer · Employee Stock Option (right to buy) → Common StockDisposed 22 @ $333,94exercise · 2026-06-15
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 27 @ $333,94exercise · 2026-06-15
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 32 @ $333,94exercise · 2026-06-09
- Chief Financial Officer · Employee Stock Option (right to buy) → Common StockDisposed 26 @ $333,94exercise · 2026-06-09
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 32 @ $333,94exercise · 2026-06-09
- Chief Legal Officer · Employee Stock Option (right to buy) → Common StockDisposed 22 @ $333,94exercise · 2026-06-08
- Chief Transformation Officer · Employee Stock Option (right to buy) → Common StockDisposed 21 @ $333,94exercise · 2026-06-08
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- CACC.O Market data — financials · 2026-05-27
- Credit Acceptance Corp Market data — analyst estimates · 2026-05-27
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,02 %$110M
- Investment Managers · as of 2026-03-310,02 %$98M
- Investment Managers · as of 2026-03-310,02 %$39M
- Investment Managers · as of 2026-03-310,01 %$14M
- Investment Managers · as of 2026-03-310,01 %$38M
- Investment Managers · as of 2026-03-310,00 %$38M
- Investment Managers · as of 2026-03-310,00 %$26M
- Investment Managers · as of 2026-03-310,00 %$13M
- Investment Managers · as of 2026-03-310,00 %$26M
- Investment Managers · as of 2024-06-300,00 %$151M
- Investment Managers · as of 2026-03-310,00 %$43M
- Investment Managers · as of 2025-12-310,00 %$175M
- Institutional Investor · as of 2026-03-310,00 %$44M
- Investment Managers · as of 2024-12-310,00 %$7M
- Investment Managers · as of 2026-03-310,00 %$32M
- Institutional Investor · as of 2022-09-300,00 %$0M
- Funds · as of 2026-03-310,00 %$10M
- Institutional Investor · as of 2026-03-310,00 %$8M
- Investment Managers · as of 2026-03-310,00 %$40M
- Brokerage Firms · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Leadership
- Kenneth S. BoothPresident, Chief Executive Officer, Director
Insider activity
- 10% owner · Common StockSold 457 @ $641,31$293K · 2026-07-16
- 10% owner · Common StockSold 2 @ $642,08$1K · 2026-07-16
- 10% owner · Common StockSold 977 @ $640,15$625K · 2026-07-16
- 10% owner · Common StockSold 80 @ $666,22$53K · 2026-07-02
- 10% owner · Common StockSold 1 503 @ $649,38$976K · 2026-07-02
- 10% owner · Common StockSold 1 203 @ $650,66$783K · 2026-07-02
- 10% owner · Common StockSold 562 @ $651,94$366K · 2026-07-02
- 10% owner · Common StockSold 102 @ $652,70$67K · 2026-07-02
- 10% owner, Member of Section 13(d) Group · Common StockOther 9 891 @ $655,72$6,5M · 2026-07-02
- 10% owner · Common StockSold 184 @ $646,77$119K · 2026-07-02
- 10% owner · Common StockSold 413 @ $649,76$268K · 2026-07-02
- 10% owner · Common StockSold 53 @ $648,68$34K · 2026-07-02
- 10% owner · Common StockSold 447 @ $650,92$291K · 2026-07-02
- 10% owner · Common StockSold 1 037 @ $651,80$676K · 2026-07-02
- 10% owner · Common StockSold 689 @ $653,08$450K · 2026-07-02
- 10% owner · Common StockSold 819 @ $653,79$535K · 2026-07-02
- 10% owner · Common StockSold 869 @ $654,76$569K · 2026-07-02
- 10% owner · Common StockSold 175 @ $657,11$115K · 2026-07-02
- 10% owner · Common StockSold 156 @ $659,02$103K · 2026-07-02
- 10% owner · Common StockSold 181 @ $661,67$120K · 2026-07-02
- 10% owner · Common StockSold 503 @ $663,28$334K · 2026-07-02
- 10% owner · Common StockSold 813 @ $664,11$540K · 2026-07-02
- 10% owner · Common StockSold 81 @ $665,28$54K · 2026-07-02
- 10% owner · Common StockSold 1 130 @ $648,32$733K · 2026-07-02
- Chief Legal Officer · Common StockSold 785 @ $627,71$493K · 2026-06-26
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 83.0%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -7.3%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 7.2%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -11.1%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 4.67xDerived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 0.0%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): -2.5%Derived (calculated)
- Return on assets (FY 2025-12-31): 0.0%Derived (calculated)
- Return on equity (FY 2025-12-31): 0.0%Derived (calculated)
- Net margin (FY 2025-12-31): 0.0%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): -12.9%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -93.4%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 84.0%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 71.0%Derived (calculated)
- Interest expense (annual): USD 462.9MSEC XBRL filing
- Net income (annual): USD 424SEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 37SEC XBRL filing
- Total assets (annual): USD 8.63BSEC XBRL filing
- Operating cash flow (annual): USD 1.05BSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 36SEC XBRL filing
- Revenue (annual): USD 2.32BSEC XBRL filing
- Total liabilities (annual): USD 7.11BSEC XBRL filing
- Total operating expenses (annual): USD 599.9MSEC XBRL filing
- Cash & equivalents (annual): USD 22.8MSEC XBRL filing