CNN report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Why CACC Stock surged +4.27% Today — RQD Quant Desk Flash
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.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is CACC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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 $484.76 (+4.27% 1D, market cap $4.71B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, CACC ranks #640 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CACC compare to RIOT and FIGR in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), CACC carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, 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).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CACC?
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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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)
⚔️ Adversarial Opposing Case: What Could Spark a CACC Turnaround Squeeze
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.
Clean SEC annual filing review with no major hidden accounting time-bombs.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($560.46) and Max Pain ($509.00) forces dealer call-delta covering toward $702.30.
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.
Why CACC Stock surged +4.27% Today — RQD Quant Desk Flash
Credit Acceptance Corporation (CACC) surged +4.27% to $484.76, trading at 31% of its 52-week range ($401.9 – $668.86). Stretched risk/reward at current multiples (0% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 31% of its 52-week range ($401.9 – $668.86) with RSI-14 at 39.3 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±9.7% around $484.76 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D (Sell) backed by 52% gross margin and $1.1B annual free cash flow.
Yahoo Finance report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Credit Acceptance reported third quarter 2026 revenue of US$594.6 million, but moved from net income of US$108.2 million a year earlier to a net loss of US$56.6 million as weaker loan collections cut into profitability.
Economic profit surged 18% as dealer count hit record highs and loan volume accelerated.
Key TakeawaysCredit Acceptance shares fell 20% today after a $291. 2 million loan forecast cut pushed it to a third-quarter loss.
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CACC)
- ✓Walkthrough of CACC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
CACC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CACC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CACC. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CACC)
1. Head-to-Head Financials Peer Comparison (CACC vs. RIOT, FIGR, SEZL, NNI)
Industry: Finance: Consumer Services (156 Tracked Issuers)Across 1097 tracked Financials securities in the Roarable RQD universe, Credit Acceptance Corporation (CACC) ranks #640 by composite RQD confidence (50/100, grade D) and #281 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 — 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 | — | — | 0.0% | +4.27% | $4.71B | Benchmark Subject |
| RIOT Riot Platforms Inc. | E | 33/100 | — | — | -15.3% | -7.57% | $4.81B | /riot-vs-cacc → |
| FIGR Figure Technology Solutions Inc. | D | 50/100 | 39.5x | — | 21.9% | +0.97% | $4.84B | /figr-vs-cacc → |
| SEZL Sezzle Inc. | B+ | 79/100 | — | — | 38.6% | -4.84% | $4.56B | /sezl-vs-cacc → |
| NNI Nelnet Inc. | D+ | 53/100 | 10.3x | — | 11.6% | +1.47% | $4.38B | /nni-vs-cacc → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • 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)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs 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 $484.76 (+4.27% 1D, market cap $4.71B). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 5/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, CACC ranks #640 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 —, 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 $484.76 (+4.27% on volume of 265,086 shares), positioning the stock -13.51% below its 50-day simple moving average ($560.46) and -10.05% below its 200-day simple moving average ($538.94). Across its 52-week range of $401.90 to $668.86, CACC sits at the 31.0% percentile with a 14-day RSI of 39.3 (NEUTRAL RANGE) and an implied next-earnings move of ±9.7% ($437.74 to $531.78).
CACC — Credit Acceptance Corporation: What the Facts Mean to a Prospective Investor
1. Roarable Rating Brief: What This Means to a Prospective Investor
Credit Acceptance Corporation (CACC) earns a live Roarable RQD composite score of 50/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $484.76 (+4.27% 1D, market capitalization $4.71B).
- Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 0.0%, gross margin of —, operating margin of 0.0%, and free cash flow yield of 17.62%.
- Whale 13F & Options Flow (5/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
- Macro Regime Fit (6/20) + Forensic Balance Sheet (15/20): Incorporates a 1.02x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.
2. Business Model, Unit Margins & SEC Financial Trajectory
Credit Acceptance Corporation is a NASDAQ-listed issuer classified in the Financials sector and the Finance: Consumer Services industry,. The sector and industry classification is the primary business description available in the source data. Specific details on products, customers, and revenue mechanics are — The company's reported revenue is shown in the Financial Trend section.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Credit Acceptance Corporation (CACC) reported $2.32B in annual revenue (up from $2.16B in FY2024, +7.2% YoY) and $424 in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.90B revenue, $286 net income) through FY2025, CACC scaled operating cash flow to $1.05B and free cash flow to $1.05B, backed by $8.63B in total assets against $3.20B in total debt.
3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff
- 🐂 Primary Bull Case (D • RQD 50/100): Clean SEC annual filing review with no major hidden accounting time-bombs. Free cash flow yield of 17.62% and institutional whale pillar of 5/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 5/20, sustained execution supports upside toward the upper end of the $401.90 – $668.86 52-week range.
- 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation and 95.0x EV/EBITDA against 0.0% operating margins and a 1.02x macro beta.
4. 2nd-Order Butterfly Ripples & Key Questions to Watch
Upstream and downstream dependencies are — Sector correlations beyond the Financials classification are — Second-order bottlenecks cannot be identified from the provided graph. The primary ripple an investor could monitor is the company's reported debt load of $3.20B against its $22.
- Key Question #1: Can CACC sustain or expand its 0.0% operating margin and 0.0% ROIC against Finance: Consumer Services peers over the next 4 quarters?
- Key Question #2: Following FY2025 revenue of $2.32B and free cash flow of $1.05B, how will capital allocation balance growth reinvestment against $3.20B in total debt?
- Key Question #3: How sensitive is CACC's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.02x)?
CACC Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Credit Acceptance Corporation (CACC) • Click "Debate This Headline" to argue it in the Roar Pit below
CNN report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Moomoo report covering Credit Acceptance Corporation (CACC) market action, institutional positioning, and fundamental catalysts.
Credit Acceptance reported third quarter 2026 revenue of US$594.6 million, but moved from net income of US$108.2 million a year earlier to a net loss of US$56.6 million as weaker loan collections cut into profitability.
CACC Bull vs. Bear Conversation Board — What's Your Call at $484.76?
A 17.62% FCF yield and a 15/20 forensic balance sheet (Altman Z 2.5, Piotroski F 8/9, Debt/Equity 0.5) give the stock a strong cash-gen
The street is overcomplicating Credit Acceptance Corporation (CACC). A 17.62% FCF yield and a 15/20 forensic balance sheet (Altman Z 2.5, Piotroski F 8/9, Debt/Equity 0.5) give the stock a strong cash-generation and financial-strength base.. With an RQD score of 50/100 (D) and Forensic Balance Sheet at 15/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $502.08.
@MultipleCompression Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Finance: Consumer Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
Reported ROIC of 0% and a 95 EV/EBITDA, paired with a 19.3% post-Q3 decline and reported net income of $0.0M, leave little measurable r
Sitting on the sidelines or leaning short CACC above $464.89. Reported ROIC of 0% and a 95 EV/EBITDA, paired with a 19.3% post-Q3 decline and reported net income of $0.0M, leave little measurable return on the capital the company deploys.. Until Fundamental Cash Engine (11/20) and FCF yield (17.62%) inflect higher, upside is capped near $668.86.