CACC — Credit Acceptance Corporation

Summary

Table of Contents

Company

Data:

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  "symbol": "CACC",
  "price": 615.6,
  "marketCap": 6439237560,
  "beta": 1.346,
  "lastDividend": 0,
  "range": "401.9-668.86",
  "change": 7.83,
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  "companyName": "Credit Acceptance Corporation",
  "currency": "USD",
  "cik": "0000885550",
  "isin": "US2253101016",
  "cusip": "225310101",
  "exchangeFullName": "NASDAQ",
  "exchange": "NASDAQ",
  "industry": "Financial - Credit Services",
  "website": "https://www.creditacceptance.com",
  "description": "Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.",
  "ceo": "Vinayak R.",
  "sector": "Financial Services",
  "country": "US",
  "fullTimeEmployees": "2314",
  "phone": "248 353 2700",
  "address": "25505 West Twelve Mile Road",
  "city": "Southfield",
  "state": "MI",
  "zip": "48034-8339",
  "image": "https://images.financialmodelingprep.com/symbol/CACC.png",
  "ipoDate": "1992-06-05",
  "defaultImage": false,
  "isEtf": false,
  "isActivelyTrading": true,
  "isAdr": false,
  "isFund": false
}

Price / Quote

Data:

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  "exchange": "NASDAQ",
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  "timestamp": 1788465601,
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}

Volume

Data:

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      "signal": "Bearish"
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    "sessions": 20
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}

Fundamentals

Data:

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        "freeCashFlow": 1052999999,
        "incomeTaxesPaid": 279300000,
        "interestPaid": 438400000
      }
    ]
  }
}

Technical

Data:

{
  "price": 601.58,
  "rsi": 54.46249278244691,
  "sma20": 589.9835000000004,
  "sma50": 601.9582000000003,
  "sma200": 517.9739500000002,
  "adx": 20.198846675585887,
  "atr": 15.55,
  "atr_pct": 2.58,
  "atr_expansion_pct": -16.6,
  "di_plus": 23.9,
  "di_minus": 5.9,
  "high_52w": 657.2,
  "low_52w": 411.04,
  "structure": {
    "ema8": 598.8744826536878,
    "ema21": 593.716898069309,
    "ema50": 587.8749350711122,
    "ema200": 539.8756026462265,
    "ema10": 597.6719758780858,
    "ema20": 593.9077257270011,
    "ema10_slope_pct": 0.81,
    "ema20_slope_pct": 0.68,
    "trend_dir": "up",
    "checks": {
      "price_above_all": true,
      "ema_stacked": true,
      "ema21_rising": true,
      "ema50_rising": true,
      "adx_over_30": false,
      "higher_highs_lows": true,
      "lower_highs_lows": false,
      "near_21ema": false
    },
    "dist_21ema_pct": 1.3,
    "_no_bars": false,
    "macd": {
      "macd": 3.577,
      "signal": 1.569,
      "histogram": 2.008
    },
    "bollinger": {
      "mid": 589.98,
      "upper": 612.65,
      "lower": 567.32,
      "width_pct": 7.68
    },
    "crossover": {
      "fresh_cross": false,
      "pre_compressed": true,
      "held_above_21": true,
      "candles_since": 8,
      "intraday_support": false
    },
    "momentum": {
      "roc10": 2.7,
      "ret_3d": 0.31,
      "ret_5d": 0.18,
      "roc10_accel": -0.34,
      "checks": {
        "roc_over_5": false,
        "rsi_in_band": false,
        "macd_expanding": false,
        "top_quartile_3d": false,
        "no_big_down": true,
        "near_high": false
      },
      "volume": {
        "rvol": 0.88,
        "checks": {
          "rvol_over_2": false,
          "up_vol_beats_down": true,
          "obv_new_high": false,
          "surge_day": false,
          "pullback_declining_vol": false,
          "last_up_beats_down": false
        }
      }
    },
    "relative_strength": {
      "sector": "Financial Services",
      "sector_etf": "XLF",
      "sector_etf_ret10d": 0.31,
      "checks": {
        "beats_spy_all": true,
        "beats_sector_10d": true,
        "rs_line_at_high": true,
        "sector_top3": false
      }
    },
    "commodity": {},
    "universe": {
      "checks": {
        "price_over_20": true,
        "avg_vol_over_2m": false,
        "mcap_over_1b": true,
        "no_earnings_7d": true,
        "not_lev_etf_spac": true,
        "bidask_spread": null,
        "dollar_vol_over_10m": true
      },
      "avg_dollar_vol": 93379132.8,
      "avg_vol": 151688
    },
    "options": {
      "checks": {
        "ivr_under_40": true,
        "iv_contracting": false,
        "oi_calls_above_price": false
      },
      "vals": {
        "iv_rank": 0.0
      }
    }
  }
}

Levels & Bars

Data:

{
  "prior_day": {
    "high": 620.96,
    "low": 599.91,
    "close": 601.58,
    "date": "2026-09-03"
  },
  "woodie_pivots": {
    "PP": 606.01,
    "R1": 612.1,
    "S1": 591.06,
    "R2": 627.05,
    "S2": 584.96
  },
  "swing": {
    "high_20d": 620.96,
    "low_20d": 563.66,
    "high_60d": 668.86,
    "low_60d": 525.1
  },
  "orb": {
    "high": 620.96,
    "low": 609,
    "date": "2026-09-03"
  },
  "vwap": 607.3,
  "volume_profile": {
    "poc": 600.57,
    "vah": 608.63,
    "val": 580.19,
    "sessions": 20
  },
  "premarket": {
    "date": "2026-09-03",
    "high": 610.2,
    "low": 606.7,
    "last": 610.2,
    "volume": 1346,
    "gap_pct": 0.4,
    "path": "04:25 606.70 -> 08:30 610.20",
    "bars": 2,
    "last_bar_et": "08:30"
  },
  "recent_daily": [
    {
      "d": "2026-07-31",
      "o": 554.37,
      "h": 572.52,
      "l": 550.2,
      "c": 568.91,
      "v": 87071.230386
    },
    {
      "d": "2026-08-03",
      "o": 569,
      "h": 582.39,
      "l": 569,
      "c": 572.97,
      "v": 120963.71967
    },
    {
      "d": "2026-08-04",
      "o": 568.47,
      "h": 588.81,
      "l": 561.8,
      "c": 587.85,
      "v": 121466.514556
    },
    {
      "d": "2026-08-05",
      "o": 593.96,
      "h": 621.52,
      "l": 579.95,
      "c": 592.52,
      "v": 175963.108513
    },
    {
      "d": "2026-08-06",
      "o": 592.68,
      "h": 610.935,
      "l": 579.44,
      "c": 581.3,
      "v": 94664.972516
    },
    {
      "d": "2026-08-07",
      "o": 583.75,
      "h": 585.58,
      "l": 574.9,
      "c": 585.58,
      "v": 116023.036586
    },
    {
      "d": "2026-08-10",
      "o": 583.36,
      "h": 590.57,
      "l": 576.79,
      "c": 581.25,
      "v": 95562.547345
    },
    {
      "d": "2026-08-11",
      "o": 579.35,
      "h": 584.87,
      "l": 569.87,
      "c": 572.21,
      "v": 142579.740151
    },
    {
      "d": "2026-08-12",
      "o": 575.45,
      "h": 579.49,
      "l": 563.66,
      "c": 577.25,
      "v": 130992.898583
    },
    {
      "d": "2026-08-13",
      "o": 587.1,
      "h": 590.55,
      "l": 573.7,
      "c": 582.89,
      "v": 92638.414653
    },
    {
      "d": "2026-08-14",
      "o": 585.09,
      "h": 593.9899,
      "l": 577.04,
      "c": 587.27,
      "v": 82137.444355
    },
    {
      "d": "2026-08-17",
      "o": 585.33,
      "h": 585.33,
      "l": 570.45,
      "c": 573.09,
      "v": 82665.383936
    },
    {
      "d": "2026-08-18",
      "o": 570.31,
      "h": 579.6,
      "l": 570.22,
      "c": 570.54,
      "v": 86916.100111
    },
    {
      "d": "2026-08-19",
      "o": 574.85,
      "h": 584.54,
      "l": 574.85,
      "c": 583.05,
      "v": 100393.249304
    },
    {
      "d": "2026-08-20",
      "o": 581.91,
      "h": 593.06,
      "l": 574.87,
      "c": 585.88,
      "v": 138874.703312
    },
    {
      "d": "2026-08-21",
      "o": 588.89,
      "h": 606.1,
      "l": 588.89,
      "c": 601.05,
      "v": 126161.498103
    },
    {
      "d": "2026-08-24",
      "o": 601.05,
      "h": 607.67,
      "l": 594.8514,
      "c": 603.07,
      "v": 94501.385138
    },
    {
      "d": "2026-08-25",
      "o": 608.94,
      "h": 610,
      "l": 597.11,
      "c": 604.26,
      "v": 68024.422372
    },
    {
      "d": "2026-08-26",
      "o": 603.06,
      "h": 609.32,
      "l": 593.63,
      "c": 593.64,
      "v": 174613.884351
    },
    {
      "d": "2026-08-27",
      "o": 594.1,
      "h": 605.78,
      "l": 593.34,
      "c": 600.48,
      "v": 111108.25059
    },
    {
      "d": "2026-08-28",
      "o": 604.67,
      "h": 610,
      "l": 589.95,
      "c": 594.89,
      "v": 145571.432357
    },
    {
      "d": "2026-08-31",
      "o": 591.53,
      "h": 603.04,
      "l": 591.53,
      "c": 599.74,
      "v": 106333.399958
    },
    {
      "d": "2026-09-01",
      "o": 596.5,
      "h": 603.51,
      "l": 589.36,
      "c": 594.18,
      "v": 149401.285148
    },
    {
      "d": "2026-09-02",
      "o": 599.49,
      "h": 611.12,
      "l": 592.62,
      "c": 607.77,
      "v": 90639.091191
    },
    {
      "d": "2026-09-03",
      "o": 609,
      "h": 620.955,
      "l": 599.91,
      "c": 601.58,
      "v": 99950.289448
    }
  ]
}

Analyst Ratings

Data:

{
  "estimates": [
    {
      "symbol": "CACC",
      "date": "2028-12-31",
      "revenueLow": 2282231596,
      "revenueHigh": 3019231284,
      "revenueAvg": 2754291955,
      "ebitdaLow": 850489726,
      "ebitdaHigh": 1223498652,
      "ebitdaAvg": 1089408098,
      "ebitLow": 833387064,
      "ebitHigh": 1206395990,
      "ebitAvg": 1072305436,
      "netIncomeLow": 632246823,
      "netIncomeHigh": 915229027,
      "netIncomeAvg": 813501594,
      "sgaExpenseLow": 166541583,
      "sgaExpenseHigh": 220322757,
      "sgaExpenseAvg": 200989305,
      "epsAvg": 72.0664,
      "epsHigh": 81.07822,
      "epsLow": 56.00942,
      "numAnalystsRevenue": 1,
      "numAnalystsEps": 1
    },
    {
      "symbol": "CACC",
      "date": "2027-12-31",
      "revenueLow": 1783306233,
      "revenueHigh": 2587009043,
      "revenueAvg": 2289108002,
      "ebitdaLow": 682014215,
      "ebitdaHigh": 978286460,
      "ebitdaAvg": 793951826,
      "ebitLow": 661939817,
      "ebitHigh": 958212062,
      "ebitAvg": 773877428,
      "netIncomeLow": 502178837,
      "netIncomeHigh": 726944967,
      "netIncomeAvg": 587100000,
      "sgaExpenseLow": 130133437,
      "sgaExpenseHigh": 188782147,
      "sgaExpenseAvg": 167043376,
      "epsAvg": 57.24065,
      "epsHigh": 64.39853,
      "epsLow": 44.48697,
      "numAnalystsRevenue": 3,
      "numAnalystsEps": 1
    },
    {
      "symbol": "CACC",
      "date": "2026-12-31",
      "revenueLow": 1770608436,
      "revenueHigh": 2342389962,
      "revenueAvg": 2136843859,
      "ebitdaLow": 585246463,
      "ebitdaHigh": 836446002,
      "ebitdaAvg": 701662822,
      "ebitLow": 561237168,
      "ebitHigh": 812436707,
      "ebitAvg": 677653527,
      "netIncomeLow": 425781047,
      "netIncomeHigh": 616352892,
      "netIncomeAvg": 514100000,
      "sgaExpenseLow": 129206839,
      "sgaExpenseHigh": 170931527,
      "sgaExpenseAvg": 155932184,
      "epsAvg": 48.53248,
      "epsHigh": 54.60141,
      "epsLow": 37.71905,
      "numAnalystsRevenue": 2,
      "numAnalystsEps": 1
    },
    {
      "symbol": "CACC",
      "date": "2025-12-31",
      "revenueLow": 1924582920,
      "revenueHigh": 2546087335,
      "revenueAvg": 2322666667,
      "ebitdaLow": 486565929,
      "ebitdaHigh": 691364030,
      "ebitdaAvg": 626642694,
      "ebitLow": 457565929,
      "ebitHigh": 662364030,
      "ebitAvg": 597642694,
      "netIncomeLow": 347131144,
      "netIncomeHigh": 502500665,
      "netIncomeAvg": 453400000,
      "sgaExpenseLow": 140442839,
      "sgaExpenseHigh": 185795962,
      "sgaExpenseAvg": 169492256,
      "epsAvg": 39.5676,
      "epsHigh": 44.51548,
      "epsLow": 30.75162,
      "numAnalystsRevenue": 2,
      "numAnalystsEps": 2
    }
  ],
  "price_target": {
    "symbol": "CACC",
    "targetHigh": 540,
    "targetLow": 540,
    "targetConsensus": 540,
    "targetMedian": 540
  },
  "ratings": {
    "symbol": "CACC",
    "rating": "B+",
    "overallScore": 3,
    "discountedCashFlowScore": 5,
    "returnOnEquityScore": 5,
    "returnOnAssetsScore": 5,
    "debtToEquityScore": 1,
    "priceToEarningsScore": 2,
    "priceToBookScore": 1
  },
  "grades": [
    {
      "symbol": "CACC",
      "date": "2026-08-05",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Hold",
      "newGrade": "Hold",
      "action": "maintain"
    },
    {
      "symbol": "CACC",
      "date": "2026-07-07",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Hold",
      "newGrade": "Hold",
      "action": "maintain"
    },
    {
      "symbol": "CACC",
      "date": "2026-05-06",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Hold",
      "newGrade": "Hold",
      "action": "maintain"
    },
    {
      "symbol": "CACC",
      "date": "2026-04-17",
      "gradingCompany": "Stephens & Co.",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "CACC",
      "date": "2026-01-30",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Hold",
      "newGrade": "Hold",
      "action": "maintain"
    },
    {
      "symbol": "CACC",
      "date": "2025-10-31",
      "gradingCompany": "TD Cowen",
      "previousGrade": "Sell",
      "newGrade": "Sell",
      "action": "maintain"
    }
  ]
}

News

Data:

[
  {
    "title": "Bank of New York Mellon Corp Buys Shares of 30,384 Credit Acceptance Corporation $CACC",
    "url": "https://www.defenseworld.net/2026/09/01/bank-of-new-york-mellon-corp-buys-shares-of-30384-credit-acceptance-corporation-cacc.html",
    "source": "Defense World",
    "date": "2026-09-01 04:15:57",
    "summary": "Bank of New York Mellon Corp acquired a new position in shares of Credit Acceptance Corporation (NASDAQ: CACC) in the second quarter, according to the company in its most recent filing with the SEC. The firm acquired 30,384 shares of the credit services provider's stock, valued a",
    "image": "https://images.financialmodelingprep.com/news/bank-of-new-york-mellon-corp-buys-shares-of-20260901.png"
  },
  {
    "title": "Here's Why Churchill Downs (CHDN) Traded Lower in Q2",
    "url": "https://finance.yahoo.com/markets/stocks/articles/why-churchill-downs-chdn-traded-140913893.html",
    "source": "Yahoo! Finance",
    "date": "2026-08-27T14:09:13Z",
    "summary": "The London Company, an investment management company, released its second-quarter 2026 investor letter for its \"Small-Mid Cap Strategy.\" The letter can be downloaded here. U.S. equities rebounded sharply in Q2, with the Russell 3000 gaining 15.4%, supported by AI infrastructure s",
    "image": "https://s.yimg.com/lo/mysterio/api/5babdc6b2d10d38a6fd7c37684653d1bb9c4e52563a4e4a641aa6aec6ee258fc/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Finsidermonkey.com%2F914c5b091878ce7213160efe918afa09.jpg"
  },
  {
    "title": "Could Credit Acceptance (CACC) Keep Rising as Credit Trends Improve?",
    "url": "https://finance.yahoo.com/markets/stocks/articles/could-credit-acceptance-cacc-keep-140445638.html",
    "source": "Yahoo! Finance",
    "date": "2026-08-27T14:04:45Z",
    "summary": "The London Company, an investment management company, released its second-quarter 2026 investor letter for its \"Small-Mid Cap Strategy.\" The letter can be downloaded here. U.S. equities rebounded sharply in Q2, with the Russell 3000 gaining 15.4%, supported by AI infrastructure s",
    "image": "https://s.yimg.com/lo/mysterio/api/c293cb7545d6dd42c930af3ff9b12c5748d46ebac7b9a51b5691d4b36cd9575a/lightyear_networkapi/resizefill_w1200%3Bquality_80%3Bformat_webp/https%3A%2F%2Fmedia.zenfs.com%2Fen%2Finsidermonkey.com%2Fce54e6d181f3dba96922efdac582e285.jpg"
  },
  {
    "title": "Bank of America Corp DE Boosts Stock Position in Credit Acceptance Corporation $CACC",
    "url": "https://www.defenseworld.net/2026/08/20/bank-of-america-corp-de-boosts-stock-position-in-credit-acceptance-corporation-cacc.html",
    "source": "Defense World",
    "date": "2026-08-20 03:24:24",
    "summary": "Bank of America Corp DE raised its stake in shares of Credit Acceptance Corporation (NASDAQ: CACC) by 47.9% during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 44,5",
    "image": "https://images.financialmodelingprep.com/news/bank-of-america-corp-de-boosts-stock-position-in-20260820.png"
  },
  {
    "title": "Credit Acceptance names former Amazon AI executive as CTO By Investing.com",
    "url": "https://www.investing.com/news/company-news/credit-acceptance-names-former-amazon-ai-executive-as-cto-93CH-4858019",
    "source": "Investing.com",
    "date": "2026-08-13T13:04:32Z",
    "summary": "SOUTHFIELD, Mich. - Credit Acceptance Corporation (NASDAQ:CACC) announced Wednesday that Jeetu Mirchandani will join the company as Chief Technology Officer on August 27, 2026, according to a press release statement.\n\nMirchandani spent more than 21 years at Amazon, where he held ",
    "image": "https://i-invdn-com.investing.com/redesign/images/seo/investing_300X300.png"
  },
  {
    "title": "Credit Acceptance Announces New Chief Technology Officer to Advance Digital-First, AI-Enabled Business Evolution",
    "url": "https://finance.yahoo.com/technology/ai/articles/credit-acceptance-announces-chief-technology-130000524.html",
    "source": "Yahoo! Finance",
    "date": "2026-08-13T13:00:00Z",
    "summary": "Southfield, Michigan, Aug. 13, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the \"Company\", \"Credit Acceptance\", \"we\", \"our\", or \"us\") today announced that Jeetu Mirchandani, a veteran technology and AI executive with more than two decades ",
    "image": "https://s.yimg.com/lo/mysterio/api/D2B647F8CA3160896D842CA294B20DF09D167504C13640A1D64720B9D0220D86/subgraphmysterio/resizefill_w1200_h675;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fglobenewswire.com%2Fb01182e048344d4cad893b8bafa3aaa7.png"
  },
  {
    "title": "Credit Acceptance Named One of PEOPLE Magazine's 100 Companies That Care\u00ae for Fifth Consecutive Year",
    "url": "https://www.globenewswire.com/news-release/2026/08/13/3344897/3872/en/credit-acceptance-named-one-of-people-magazine-s-100-companies-that-care-for-fifth-consecutive-year.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-13 16:02:00",
    "summary": "Southfield, Michigan, Aug. 13, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC)\u00a0(referred to as the \u201cCompany\u201d, \u201cCredit Acceptance\u201d, \u201cwe\u201d, \u201cour\u201d, or \u201cus\u201d)\u00a0has been named one of\u00a0PEOPLE\u00a0Magazine's 100 Companies That Care\u00ae\u00a0by Great Place\u00a0To\u00a0Work\u00ae\u00a0and\u00a0PEOPLE\u00a0magaz",
    "image": "https://images.financialmodelingprep.com/news/credit-acceptance-named-one-of-people-magazines-100-companies-20260813.jpg"
  },
  {
    "title": "All You Need to Know About Credit Acceptance (CACC) Rating Upgrade to Buy",
    "url": "https://www.zacks.com/stock/news/2971254/all-you-need-to-know-about-credit-acceptance-cacc-rating-upgrade-to-buy?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|yseop_template_12_zacks_rank_upgrade-2971254",
    "source": "Zacks Investment Research",
    "date": "2026-08-07 13:01:18",
    "summary": "Credit Acceptance (CACC) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).",
    "image": "https://images.financialmodelingprep.com/news/all-you-need-to-know-about-credit-acceptance-cacc-20260807.jpg"
  },
  {
    "title": "Credit Acceptance earnings missed by $0.08, revenue fell short of estimates By Investing.com",
    "url": "https://www.investing.com/news/earnings/credit-acceptance-earnings-missed-by-008-revenue-fell-short-of-estimates-4836273",
    "source": "Investing.com",
    "date": "2026-08-05T00:18:20Z",
    "summary": "Investing.com - Credit Acceptance (NASDAQ: CACC) reported second quarter EPS of $12.12, $0.08 worse than the analyst estimate of $12.20. Revenue for the quarter came in at $587.4M versus the consensus estimate of $588.07M.\n\nCredit Acceptance's stock price closed at $587.85. It is",
    "image": "https://i-invdn-com.investing.com/news/moved_LYNXMPEM3T1K3_1200_L.jpg"
  },
  {
    "title": "CACC Q2 Earnings Beat as Expenses & Provisions Decline, Revenues Rise",
    "url": "https://www.zacks.com/stock/news/2968364/cacc-q2-earnings-beat-as-expenses-provisions-decline-revenues-rise?cid=CS-STOCKNEWSAPI-FT-analyst_blog|earnings_article-2968364",
    "source": "Zacks Investment Research",
    "date": "2026-08-05 09:45:28",
    "summary": "Credit Acceptance's Q2 earnings rise 20.6% as revenues edge higher and lower provisions and expenses offer support.",
    "image": "https://images.financialmodelingprep.com/news/cacc-q2-earnings-beat-as-expenses-provisions-decline-revenues-20260805.jpg"
  },
  {
    "title": "Credit Acceptance Q2 Earnings Call Highlights",
    "url": "https://finance.yahoo.com/markets/stocks/articles/credit-acceptance-q2-earnings-call-230401406.html",
    "source": "Yahoo! Finance",
    "date": "2026-08-04T23:04:01Z",
    "summary": "* Credit Acceptance Corp. Among Growth Leaders In Subprime Lending Industry\n\nCredit Acceptance (NASDAQ:CACC) reported higher second-quarter earnings as lower credit-loss provisions and improved yields on newer loans helped offset a modest decline in loan assignment unit volume. M",
    "image": "https://s.yimg.com/lo/mysterio/api/67617FB8837B5E1C92E94715DC883846C261345B759912443FD974B3C2EE9699/subgraphmysterio/resizefill_w1200_h675;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fmarketbeat_955%2F58bc93016d98b2ff10aed766145a6a84"
  },
  {
    "title": "3 Value Stocks We're Skeptical Of",
    "url": "https://finance.yahoo.com/markets/stocks/articles/3-value-stocks-skeptical-061322808.html",
    "source": "Yahoo! Finance",
    "date": "2026-08-04T06:13:22Z",
    "summary": "Value investing has produced some of the world's most famous investing billionaires, including Warren Buffett, David Einhorn, and Seth Klarman, who built their fortunes by purchasing wonderful businesses at reasonable prices. But these hidden gems are few and far between - many s",
    "image": "https://s.yimg.com/lo/mysterio/api/D2F5CBF4985EBF5038EE3F300525ACEBA5E621CCE60BF92C026854DCDE2C83BB/subgraphmysterio/resizefill_w1200_h600;quality_80;format_webp/https:%2F%2Fmedia.zenfs.com%2Fen%2Fstockstory_922%2F5bc7dc79a453ebfc888d92dd4700a5fb"
  },
  {
    "title": "Credit Acceptance Corporation (CACC) Q2 2026 Earnings Call Transcript",
    "url": "https://seekingalpha.com/article/4930320-credit-acceptance-corporation-cacc-q2-2026-earnings-call-transcript",
    "source": "Seeking Alpha",
    "date": "2026-08-04 19:00:00",
    "summary": "Credit Acceptance Corporation (CACC) Q2 2026 Earnings Call Transcript",
    "image": "https://images.financialmodelingprep.com/news/credit-acceptance-corporation-cacc-q2-2026-earnings-call-transcript-20260804.jpg"
  },
  {
    "title": "Credit Acceptance Announces Second Quarter 2026 Results",
    "url": "https://www.globenewswire.com/news-release/2026/08/04/3338789/3872/en/Credit-Acceptance-Announces-Second-Quarter-2026-Results.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-04 16:02:00",
    "summary": "Southfield, Michigan, Aug. 04, 2026 (GLOBE NEWSWIRE) -- Credit A cceptance Corporation (Nasdaq: CACC) (referred to as the \u201cCompany\u201d, \u201cCredit Acceptance\u201d, \u201cwe\u201d, \u201cour\u201d, or \u201cus\u201d) today announced consolidated net income of $135.9 million, or $12.66 per diluted share, for the three mo",
    "image": "https://images.financialmodelingprep.com/news/credit-acceptance-announces-second-quarter-2026-results-20260804.jpg"
  },
  {
    "title": "Credit Acceptance Announces Timing of Second Quarter 2026 Earnings Release and Webcast",
    "url": "https://www.globenewswire.com/news-release/2026/07/28/3334697/3872/en/Credit-Acceptance-Announces-Timing-of-Second-Quarter-2026-Earnings-Release-and-Webcast.html",
    "source": "GlobeNewsWire",
    "date": "2026-07-28 16:02:00",
    "summary": "Southfield, Michigan, July 28, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the \u201cCompany\u201d, \u201cCredit Acceptance\u201d, \u201cwe\u201d, \u201cour\u201d, or \u201cus\u201d) announced today that we expect to issue a news release with our second quarter 2026 earnings on Tuesday, ",
    "image": "https://images.financialmodelingprep.com/news/credit-acceptance-announces-timing-of-second-quarter-2026-earnings-20260728.jpg"
  },
  {
    "title": "Credit Acceptance Announces Leadership Changes to Advance Digital-First Strategy",
    "url": "https://www.globenewswire.com/news-release/2026/07/27/3333541/3872/en/Credit-Acceptance-Announces-Leadership-Changes-to-Advance-Digital-First-Strategy.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-07-27T12:40:00Z",
    "summary": "Credit Acceptance Corporation announced significant leadership changes on July 27, 2026, including the appointment of Siddharth Lal as Chief Marketing Officer to lead integrated marketing and product efforts. The company also plans to hire a new Chief Technology Officer by late A",
    "image": "https://ml.globenewswire.com/Resource/Download/8f44c41f-e6a9-4bf8-bd13-ff7f1309b8df"
  },
  {
    "title": "Billionaire Scion Jill Foss Watson Sells Nearly $1M in Credit Acceptance Shares. What Does This Mean for Investors Now?",
    "url": "https://www.fool.com/coverage/filings/2026/07/21/billionaire-scion-jill-foss-watson-sells-nearly-usd1m-in-credit-acceptance-shares-what-does-this-mean-for-investors-now/",
    "source": "Fool - Investing News",
    "date": "2026-07-21 15:11:01",
    "summary": "Watson liquidated shares held through an irrevocable trust while retaining a $30.55 million stake, as the stock delivered 27% returns over the past year.",
    "image": "https://images.financialmodelingprep.com/news/billionaire-scion-jill-foss-watson-sells-nearly-1m-in-20260721.png"
  },
  {
    "title": "Subprime Auto Loans Just Hit Their Worst Delinquency Rate in 32 Years. Here's What It Means for Lenders.",
    "url": "https://www.fool.com/investing/2026/07/11/subprime-auto-loans-just-hit-their-worst-delinquen/?source=iedfolrf0000001",
    "source": "The Motley Fool",
    "date": "2026-07-12T02:15:00Z",
    "summary": "Subprime auto loan delinquency rates have reached 6.8% at the start of 2026, the worst in 32 years and exceeding Great Recession levels. This poses significant risks to subprime lenders like OneMain Holdings and Credit Acceptance, whose loan portfolios are underperforming. Capita",
    "image": "https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F877637%2F22_10_24-a-hand-stopping-falling-dominos-from-overturning-a-stock-of-coins-_mf-dload.jpg&w=1200&op=resize"
  },
  {
    "title": "According to SEC Filing, Thomas W. Smith Trimmed Yelp Stake as Local Services Advertising Reshapes the Business",
    "url": "https://www.fool.com/coverage/filings/2026/03/10/according-to-sec-filing-thomas-w-smith-trimmed-yelp-stake-as-local-services-advertising-reshapes-the-business/?source=iedfolrf0000001",
    "source": "The Motley Fool",
    "date": "2026-03-10T20:06:41Z",
    "summary": "Investment manager Thomas W. Smith reduced his position in Yelp by 96,280 shares during the fourth quarter, with the stake's value declining by $4.09 million. The remaining position now represents only 0.22% of the fund's assets under management. Yelp's stock has underperformed s",
    "image": "https://g.foolcdn.com/image/?url=https%3A%2F%2Fcdn.content.foolcdn.com%2Fimages%2F1umn9qeh%2Fproduction%2F6f699693a3501babe6eb40aac5d3061bf74bda96-1401x1251.png%3Frect%3D76%2C0%2C1251%2C1251%26w%3D384%26h%3D384%26q%3D75%26fit%3Dcrop%26auto%3Dformat&w=1200&op=resize"
  },
  {
    "title": "Credit Acceptance Announces Timing of Fourth Quarter 2025 Earnings Release and Webcast",
    "url": "https://www.globenewswire.com/news-release/2026/01/22/3224249/3872/en/Credit-Acceptance-Announces-Timing-of-Fourth-Quarter-2025-Earnings-Release-and-Webcast.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-01-22T21:02:00Z",
    "summary": "Credit Acceptance Corporation announced that it will release its fourth quarter 2025 earnings on January 29, 2026, after market close, followed by a webcast at 5:00 p.m. Eastern Time. The company will discuss results through both telephone and webcast access, with registration re",
    "image": "https://ml.globenewswire.com/Resource/Download/8f44c41f-e6a9-4bf8-bd13-ff7f1309b8df"
  }
]

Calendar / Earnings

Data:

[
  {
    "symbol": "CACC",
    "date": "2026-10-29",
    "epsActual": null,
    "epsEstimated": 12.36,
    "revenueActual": null,
    "revenueEstimated": 594210400,
    "lastUpdated": "2026-09-04"
  },
  {
    "symbol": "CACC",
    "date": "2026-08-04",
    "epsActual": 12.12,
    "epsEstimated": 12.2,
    "revenueActual": 587400000,
    "revenueEstimated": 588066700,
    "lastUpdated": "2026-09-04"
  },
  {
    "symbol": "CACC",
    "date": "2026-05-05",
    "epsActual": 10.71,
    "epsEstimated": 10.61,
    "revenueActual": 580000000,
    "revenueEstimated": 580766700,
    "lastUpdated": "2026-08-05"
  },
  {
    "symbol": "CACC",
    "date": "2026-01-29",
    "epsActual": 11.35,
    "epsEstimated": 10.3,
    "revenueActual": 579900000,
    "revenueEstimated": 585366700,
    "lastUpdated": "2026-04-29"
  },
  {
    "symbol": "CACC",
    "date": "2025-10-30",
    "epsActual": 10.28,
    "epsEstimated": 9.87,
    "revenueActual": 576400000,
    "revenueEstimated": 593767000,
    "lastUpdated": "2026-01-30"
  }
]

Short & Liquidity

Data:

{
  "borrow": [],
  "short_interest": [
    {
      "symbol": "CACC",
      "file_date": "",
      "error": "Symbol not found in FINRA biweekly file",
      "days_to_cover": null
    }
  ],
  "ftd": {
    "symbol": "CACC",
    "periods": [
      {
        "file_period": "202604b",
        "settlement_date": "20260428",
        "quantity_fails": 198,
        "price": 515.24
      },
      {
        "file_period": "202606a",
        "settlement_date": "20260610",
        "quantity_fails": 3498,
        "price": 569.32
      },
      {
        "file_period": "202606b",
        "settlement_date": "20260626",
        "quantity_fails": 1002,
        "price": 623.7
      },
      {
        "file_period": "202607a",
        "settlement_date": "20260714",
        "quantity_fails": 60,
        "price": 626.13
      },
      {
        "file_period": "202607b",
        "settlement_date": "20260731",
        "quantity_fails": 8,
        "price": 555.67
      },
      {
        "file_period": "202608a",
        "settlement_date": "20260814",
        "quantity_fails": 146,
        "price": 582.89
      }
    ],
    "trend": "falling",
    "trend_description": "FTD quantity declining \u2014 shorts covering or delivery improving"
  }
}

Whales & Insiders

Data:

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      "transactionType": "",
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      "typeOfOwner": "officer: Chief Financial Officer",
      "acquisitionOrDisposition": "",
      "directOrIndirect": "D",
      "formType": "3",
      "securitiesTransacted": 0,
      "price": 0,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/885550/000088555026000177/0000885550-26-000177-index.htm"
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      "transactionDate": "2026-07-16",
      "reportingCik": "0001568982",
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      "acquisitionOrDisposition": "D",
      "directOrIndirect": "I",
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      "securitiesTransacted": 457,
      "price": 641.31,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/885550/000156898226000004/0001568982-26-000004-index.htm"
    },
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      "transactionDate": "2026-07-16",
      "reportingCik": "0001568982",
      "companyCik": "0000885550",
      "transactionType": "S-Sale",
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      "reportingName": "Watson Jill Foss",
      "typeOfOwner": "10 percent owner",
      "acquisitionOrDisposition": "D",
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      "securitiesTransacted": 2,
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      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/885550/000156898226000004/0001568982-26-000004-index.htm"
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      "transactionType": "A-Award",
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      "acquisitionOrDisposition": "A",
      "directOrIndirect": "D",
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      "securitiesTransacted": 3494,
      "price": 0,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/885550/000088555026000168/0000885550-26-000168-index.htm"
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      "transactionDate": "2026-07-02",
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      "url": "https://www.sec.gov/Archives/edgar/data/885550/000119312526297504/0001193125-26-297504-index.htm"
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      "securityName": "Common Stock",
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      "transactionDate": "2026-07-02",
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      "acquisitionOrDisposition": "D",
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      "securitiesTransacted": 413,
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      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/885550/000119312526297504/0001193125-26-297504-index.htm"
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  "congress": [
    "status",
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    "provided",
    "message",
    "status",
    "endpoint",
    "provided",
    "message"
  ],
  "dark_pool": [
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      "trade_code": " "
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  "ats": {
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    "ats_volume": 0,
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    "ats_ratio": 0.0,
    "ats_pct": 0.0,
    "signal": "Low",
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  "polygon_dp": {
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    "avg_vwap_discount_pct": 0.18,
    "signal": "Accumulation"
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  "options_flow": [],
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    "call_premium": "0",
    "put_premium": "0",
    "bullish_premium": "0",
    "bearish_premium": "0",
    "put_call_ratio": null,
    "iv_rank": "0.117",
    "implied_move_perc": "0.041000",
    "gex_ratio": "0.09600415303169867962",
    "gex_net_change": "4.2901",
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    "gex_call_delta": "13211.4798",
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  "hot_chains": [
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      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.3959",
      "gamma": 0.00177238906524328,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "490",
      "option_symbol": "CACC261218C00490000",
      "total_premium": "0",
      "iv": 0.395940475938489,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "CACC",
      "expires": "2026-11-20",
      "open_interest": 29,
      "option_type": "put",
      "delta": -0.0646972264264117,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.6882",
      "gamma": 0.000660942074422452,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "390",
      "option_symbol": "CACC261120P00390000",
      "total_premium": "0",
      "iv": 0.68816477715731,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "CACC",
      "expires": "2026-10-16",
      "open_interest": 20,
      "option_type": "call",
      "delta": 0.857277422026301,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.5488",
      "gamma": 0.0019928844194606,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "500",
      "option_symbol": "CACC261016C00500000",
      "total_premium": "0",
      "iv": 0.548814910003491,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "CACC",
      "expires": "2026-11-20",
      "open_interest": 18,
      "option_type": "call",
      "delta": 0.699776292060284,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.2425",
      "gamma": 0.00516376872091923,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "570",
      "option_symbol": "CACC261120C00570000",
      "total_premium": "0",
      "iv": 0.242496909741521,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "CACC",
      "expires": "2026-11-20",
      "open_interest": 15,
      "option_type": "call",
      "delta": 0.764224033854422,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.2922",
      "gamma": 0.0037925863297865,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "550",
      "option_symbol": "CACC261120C00550000",
      "total_premium": "0",
      "iv": 0.292247125544694,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "CACC",
      "expires": "2026-12-18",
      "open_interest": 15,
      "option_type": "put",
      "delta": -0.0688293377750846,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.3566",
      "gamma": 0.00114801106833503,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "460",
      "option_symbol": "CACC261218P00460000",
      "total_premium": "0",
      "iv": 0.356567284727592,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "CACC",
      "expires": "2026-11-20",
      "open_interest": 13,
      "option_type": "call",
      "delta": 0.846492039958417,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": "0.4303",
      "gamma": 0.00198080073857598,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "500",
      "option_symbol": "CACC261120C00500000",
      "total_premium": "0",
      "iv": 0.430342118538545,
      "volume": 0,
      "nbbo_bid": null
    }
  ],
  "gamma_profile": {
    "ticker": "CACC",
    "spot": 601.58,
    "date": "2026-09-03",
    "flip_point": 486.2,
    "net_gex": 62.52,
    "call_walls": [
      {
        "strike": 680.0,
        "gex": 33.86
      },
      {
        "strike": 570.0,
        "gex": 8.27
      },
      {
        "strike": 490.0,
        "gex": 5.92
      }
    ],
    "put_walls": [
      {
        "strike": 460.0,
        "gex": -1.64
      },
      {
        "strike": 390.0,
        "gex": -1.3
      },
      {
        "strike": 520.0,
        "gex": -0.64
      }
    ],
    "by_strike": [
      {
        "strike": 460.0,
        "call_gex": 0.0,
        "put_gex": -1.64,
        "net_gex": -1.64
      },
      {
        "strike": 470.0,
        "call_gex": 0.36,
        "put_gex": 0.0,
        "net_gex": 0.36
      },
      {
        "strike": 480.0,
        "call_gex": 0.26,
        "put_gex": 0.0,
        "net_gex": 0.26
      },
      {
        "strike": 490.0,
        "call_gex": 5.92,
        "put_gex": 0.0,
        "net_gex": 5.92
      },
      {
        "strike": 500.0,
        "call_gex": 5.59,
        "put_gex": -0.17,
        "net_gex": 5.42
      },
      {
        "strike": 510.0,
        "call_gex": 0.0,
        "put_gex": -0.57,
        "net_gex": -0.57
      },
      {
        "strike": 520.0,
        "call_gex": 0.0,
        "put_gex": -0.64,
        "net_gex": -0.64
      },
      {
        "strike": 530.0,
        "call_gex": 0.48,
        "put_gex": 0.0,
        "net_gex": 0.48
      },
      {
        "strike": 540.0,
        "call_gex": 0.22,
        "put_gex": 0.0,
        "net_gex": 0.22
      },
      {
        "strike": 550.0,
        "call_gex": 4.79,
        "put_gex": -0.32,
        "net_gex": 4.47
      },
      {
        "strike": 560.0,
        "call_gex": 0.65,
        "put_gex": 0.0,
        "net_gex": 0.65
      },
      {
        "strike": 570.0,
        "call_gex": 8.27,
        "put_gex": -0.44,
        "net_gex": 7.83
      },
      {
        "strike": 600.0,
        "call_gex": 3.47,
        "put_gex": 0.0,
        "net_gex": 3.47
      },
      {
        "strike": 610.0,
        "call_gex": 0.93,
        "put_gex": 0.0,
        "net_gex": 0.93
      },
      {
        "strike": 620.0,
        "call_gex": 2.26,
        "put_gex": 0.0,
        "net_gex": 2.26
      },
      {
        "strike": 680.0,
        "call_gex": 33.86,
        "put_gex": 0.0,
        "net_gex": 33.86
      },
      {
        "strike": 720.0,
        "call_gex": 1.89,
        "put_gex": 0.0,
        "net_gex": 1.89
      }
    ]
  },
  "oi_changes": {
    "net_call_oi_change": 0,
    "net_put_oi_change": 0,
    "top": [
      {
        "strike": "680",
        "oi_change": 0,
        "type": "call"
      },
      {
        "strike": "490",
        "oi_change": 0,
        "type": "call"
      },
      {
        "strike": "390",
        "oi_change": 0,
        "type": "put"
      },
      {
        "strike": "500",
        "oi_change": 0,
        "type": "call"
      },
      {
        "strike": "570",
        "oi_change": 0,
        "type": "call"
      }
    ]
  },
  "opds": {
    "opds": -0.0,
    "D": -31.4,
    "P": 42.8,
    "O": -20.0,
    "C": 0.0,
    "signal": "NEUTRAL",
    "direction": "flat",
    "coverage": 0.2,
    "ranked": false,
    "components": {
      "M": 45.2,
      "T": 41.5,
      "RS": 57.3,
      "V": 25.8,
      "F": null,
      "OI": null,
      "S": -100.0,
      "IV": null,
      "B": null,
      "Liquidity": 0.0,
      "OpeningConfidence": null,
      "FlowAgreement": null,
      "StrikeBreadth": null
    },
    "drivers": [
      "- skew -100",
      "+ relative strength +57",
      "+ momentum +45",
      "+ trend +41",
      "+ price/volume +26"
    ]
  }
}

Market Environment

Data:

{
  "vix": 14.92,
  "sp500": 7631.47,
  "fed_funds": 3.63,
  "yield_curve_10y2y": 0.4,
  "hy_spread": 2.6,
  "treasury": {
    "date": "2026-09-02",
    "month1": 3.83,
    "month2": 3.89,
    "month3": 3.92,
    "month6": 4,
    "year1": 4.16,
    "year2": 4.39,
    "year3": 4.45,
    "year5": 4.54,
    "year7": 4.66,
    "year10": 4.79,
    "year20": 5.27,
    "year30": 5.27
  },
  "events": [
    {
      "title": "Average Hourly Earnings m/m",
      "currency": "USD",
      "date": "2026-09-04",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "0.3%",
      "previous": "0.1%",
      "actual": null,
      "minutes_until": 333
    },
    {
      "title": "Non-Farm Employment Change",
      "currency": "USD",
      "date": "2026-09-04",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "55K",
      "previous": "-23K",
      "actual": null,
      "minutes_until": 333
    },
    {
      "title": "Unemployment Rate",
      "currency": "USD",
      "date": "2026-09-04",
      "time_utc": "12:30",
      "impact": "High",
      "forecast": "4.1%",
      "previous": "4.1%",
      "actual": null,
      "minutes_until": 333
    }
  ]
}

Intraday Patterns

Data:

{
  "days": 105,
  "patterns": [
    {
      "name": "VWAP Touch",
      "count": 105,
      "pct": 100
    },
    {
      "name": "9 EMA Touch",
      "count": 105,
      "pct": 100
    },
    {
      "name": "21 EMA Touch",
      "count": 105,
      "pct": 100
    },
    {
      "name": "ORB Breakout",
      "count": 99,
      "pct": 94
    },
    {
      "name": "Woodie Pivot Touch",
      "count": 99,
      "pct": 94
    },
    {
      "name": "PDH/PDL Touch",
      "count": 95,
      "pct": 90
    },
    {
      "name": "Gap Fill",
      "count": 82,
      "pct": 78
    },
    {
      "name": "Open Retracement",
      "count": 68,
      "pct": 65
    },
    {
      "name": "Darvas Box",
      "count": 43,
      "pct": 41
    },
    {
      "name": "High Vol Open",
      "count": 17,
      "pct": 16
    },
    {
      "name": "Power Hour",
      "count": 16,
      "pct": 15
    }
  ]
}