Credit Acceptance Company Insiders
| CACC Stock | USD 506.31 14.95 3.04% |
Credit Acceptance's insiders are aggressively selling. The analysis of insider sentiment suggests that all Credit Acceptance insiders are, at present, panicking. Credit Acceptance employs about 2.4 K people. The company is managed by 15 executives with a total tenure of roughly 64 years, averaging almost 4.0 years of service per executive, having 162.07 employees per reported executive.
| Douglas Busk President Senior Vice President Treasurer |
Insider Sentiment 0
Mostly Selling
Selling | Buying |
Latest Trades
| 2026-02-09 | Kenneth Booth | Disposed 2000 @ 508 | View | ||
| 2026-01-30 | Wendy A Rummler | Disposed 5236 @ 493.44 | View | ||
| 2025-09-18 | Kenneth Booth | Disposed 4000 @ 506.59 | View | ||
| 2025-08-25 | Jonathan Lum | Disposed 6000 @ 512.61 | View | ||
| 2025-08-22 | Daniel A Ulatowski | Disposed 1505 @ 507.26 | View | ||
| 2025-07-02 | Jill Foss Watson | Disposed 20000 @ 539.97 | View | ||
| 2025-06-20 | Andrew K Rostami | Disposed 375 @ 505.29 | View | ||
| 2025-06-11 | Daniel A Ulatowski | Disposed 6356 @ 522.16 | View | ||
| 2025-03-25 | Douglas W Busk | Disposed 3000 @ 515.97 | View | ||
| 2025-03-20 | Nicholas J Elliott | Disposed 300 @ 502 | View |
Monitoring Credit Acceptance's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in services. Credit Acceptance's Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Credit Acceptance's future performance. Based on our forecasts, it is anticipated that Credit will maintain a workforce of about 2430 employees by March 2026.Credit Acceptance Management Team Effectiveness
The company has return on total asset (ROA) of 0.0485 % which means that it generated a profit of $0.0485 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.259 %, meaning that it created $0.259 on every $100 dollars invested by stockholders. Credit Acceptance's management efficiency ratios could be used to measure how well Credit Acceptance manages its routine affairs as well as how well it operates its assets and liabilities. At present, Credit Acceptance's Return On Assets are projected to slightly decrease based on the last few years of reporting. At present, Credit Acceptance's Total Current Assets are projected to increase significantly based on the last few years of reporting. The current year's Other Current Assets is expected to grow to about 8.3 B, whereas Non Current Assets Total are forecasted to decline to about 12 M.The current year's Net Income Applicable To Common Shares is expected to grow to about 647 M, whereas Common Stock Shares Outstanding is forecasted to decline to about 10.7 M. The market capitalization of Credit Acceptance is $5.42 Billion. The majority of Credit Acceptance outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in Credit Acceptance to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Credit Acceptance. Please pay attention to any change in the institutional holdings of Credit Acceptance as this could imply that something significant has changed or is about to change at the company. Also note that nearly two million eight hundred twenty thousand six hundred twenty-six invesors are currently shorting Credit Acceptance expressing very little confidence in its future performance.
Shares in Circulation | First Issued 1992-03-31 | Previous Quarter 11.5 M | Current Value 11.1 M | Avarage Shares Outstanding 30.5 M | Quarterly Volatility 11.6 M |
Credit Acceptance Workforce Comparison
Credit Acceptance is rated below average in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 46,118. Credit Acceptance holds roughly 2,431 in number of employees claiming about 5% of equities under Financials industry.
Credit Acceptance Profit Margins
The company has Profit Margin (PM) of 0.34 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.47 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.47.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.58 | 0.9875 |
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| Net Profit Margin | 0.36 | 0.1829 |
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| Operating Profit Margin | 0.54 | 0.4763 |
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| Pretax Profit Margin | 0.23 | 0.244 |
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| Return On Assets | 0.0538 | 0.0442 |
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| Return On Equity | 0.18 | 0.2782 |
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Credit Acceptance Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Credit Acceptance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Credit Acceptance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Credit Acceptance insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2026-03-01 | 0.2083 | 10 | 48 | 23,235 | 52,834 |
| 2025-12-01 | 0.3333 | 3 | 9 | 148,181 | 16,500 |
| 2025-09-01 | 0.1471 | 5 | 34 | 17,644 | 98,020 |
| 2025-06-01 | 0.4286 | 6 | 14 | 8,406 | 90,300 |
| 2025-03-01 | 0.4 | 2 | 5 | 60,104 | 6,674 |
| 2024-12-01 | 2.5 | 10 | 4 | 208,011 | 3,021 |
| 2024-09-01 | 1.0 | 7 | 7 | 5,860 | 14,786 |
| 2024-03-01 | 0.44 | 11 | 25 | 26,119 | 48,894 |
| 2023-12-01 | 0.0667 | 1 | 15 | 334.00 | 8,779 |
| 2023-09-01 | 0.0112 | 3 | 267 | 946.00 | 186,390 |
| 2023-03-01 | 0.1818 | 2 | 11 | 1,300 | 17,105 |
| 2022-12-01 | 0.1111 | 2 | 18 | 14,000 | 170,600 |
| 2022-06-01 | 0.0455 | 1 | 22 | 5,000 | 113,952 |
| 2022-03-01 | 0.0435 | 1 | 23 | 300.00 | 122,531 |
| 2021-12-01 | 0.0317 | 2 | 63 | 125,500 | 207,881 |
| 2021-09-01 | 0.0191 | 6 | 314 | 176,750 | 192,955 |
| 2021-03-01 | 0.6923 | 9 | 13 | 52,000 | 11,127 |
| 2020-03-01 | 0.0821 | 16 | 195 | 57,000 | 493,828 |
| 2019-12-01 | 0.4 | 2 | 5 | 1,250 | 10,937 |
| 2019-03-01 | 1.125 | 9 | 8 | 64,338 | 19,500 |
| 2018-03-01 | 0.0671 | 10 | 149 | 42,312 | 641,549 |
| 2017-03-01 | 0.1163 | 10 | 86 | 68,405 | 1,178,791 |
| 2016-06-01 | 0.2 | 1 | 5 | 100.00 | 17,843 |
| 2016-03-01 | 0.8333 | 10 | 12 | 80,990 | 122,759 |
| 2015-12-01 | 6.0 | 6 | 1 | 14,000 | 0.00 |
| 2015-03-01 | 0.6667 | 12 | 18 | 37,780 | 7,931 |
| 2014-09-01 | 1.0 | 3 | 3 | 22,000 | 25,000 |
| 2014-03-01 | 0.8667 | 13 | 15 | 113,176 | 139,661 |
| 2013-09-01 | 0.125 | 2 | 16 | 15,000 | 43,968 |
| 2013-06-01 | 0.2778 | 5 | 18 | 20,000 | 1,540,000 |
| 2013-03-01 | 0.4737 | 9 | 19 | 409,858 | 208,713 |
| 2012-12-01 | 0.2778 | 5 | 18 | 7,188 | 264,336 |
| 2012-09-01 | 0.0263 | 1 | 38 | 10,000 | 950,124 |
| 2012-06-01 | 1.5 | 3 | 2 | 629,009 | 85,000 |
| 2012-03-01 | 0.1389 | 10 | 72 | 366,804 | 54,684 |
| 2011-12-01 | 1.0 | 1 | 1 | 24,903 | 100,000 |
| 2011-09-01 | 1.0 | 1 | 1 | 288,027 | 4,000 |
| 2011-06-01 | 0.1625 | 13 | 80 | 204,647 | 254,988 |
| 2011-03-01 | 0.2326 | 20 | 86 | 188,260 | 3,018,406 |
| 2010-12-01 | 0.2024 | 17 | 84 | 110,232 | 624,605 |
| 2010-06-01 | 0.2 | 1 | 5 | 3,000 | 7,091 |
| 2010-03-01 | 0.5556 | 5 | 9 | 21,459 | 4,909 |
| 2009-12-01 | 0.25 | 4 | 16 | 8,195 | 21,363 |
| 2009-06-01 | 0.5 | 1 | 2 | 4,000 | 8,000 |
| 2009-03-01 | 4.0 | 4 | 1 | 17,342 | 392.00 |
| 2008-12-01 | 1.0 | 1 | 1 | 4,000 | 62.00 |
| 2008-03-01 | 14.0 | 14 | 1 | 134,005 | 186.00 |
| 2007-12-01 | 0.5 | 1 | 2 | 10,000 | 10,031 |
| 2007-09-01 | 0.2857 | 2 | 7 | 10,000 | 20,000 |
| 2007-03-01 | 0.2857 | 4 | 14 | 20,454 | 20,000 |
| 2006-12-01 | 0.1818 | 2 | 11 | 10,000 | 21,529 |
| 2006-09-01 | 0.5238 | 11 | 21 | 205,000 | 404,136 |
| 2006-06-01 | 0.2435 | 28 | 115 | 336,604 | 571,919 |
| 2006-03-01 | 1.2 | 6 | 5 | 666,000 | 20,000 |
| 2004-12-01 | 0.5833 | 7 | 12 | 81,834 | 61,145 |
| 2004-09-01 | 0.4167 | 5 | 12 | 16,000 | 31,000 |
| 2003-12-01 | 0.5 | 2 | 4 | 5,000 | 10,000 |
Credit Acceptance Notable Stakeholders
A Credit Acceptance stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Credit Acceptance often face trade-offs trying to please all of them. Credit Acceptance's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Credit Acceptance's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| Vinayak Hegde | President CEO | Profile | |
| Douglas Busk | Senior Vice President Treasurer | Profile | |
| Kenneth Booth | CFO and Chief Accounting Officer | Profile | |
| Wendy Rummler | Chief Officer | Profile | |
| Ravi Valiyaveettil | Chief Officer | Profile | |
| Jonathan Lum | Chief Officer | Profile | |
| Jay Martin | Senior Officer | Profile | |
| Noah Kotch | Chief Officer | Profile | |
| Ravi Mohan | Chief Officer | Profile | |
| Jay Brinkley | Senior Treasurer | Profile | |
| Arthur Smith | Chief Analytics Officer | Profile | |
| Erin Kerber | Chief Officer | Profile | |
| Andrew Rostami | Chief Officer | Profile | |
| Daniel Ulatowski | Chief Sales Officer | Profile | |
| Nicholas Elliott | Chief Officer | Profile |
About Credit Acceptance Management Performance
The success or failure of an entity such as Credit Acceptance often depends on how effective the management is. Credit Acceptance management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Credit management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Credit management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.04 | 0.05 | |
| Return On Capital Employed | 0.15 | 0.09 | |
| Return On Assets | 0.04 | 0.05 | |
| Return On Equity | 0.28 | 0.18 |
Please note, the presentation of Credit Acceptance's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Credit Acceptance's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Credit Acceptance's management manipulating its earnings.
Credit Acceptance Workforce Analysis
Traditionally, organizations such as Credit Acceptance use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Credit Acceptance within its industry.Credit Acceptance Manpower Efficiency
Return on Credit Acceptance Manpower
| Revenue Per Employee | 953.2K | |
| Revenue Per Executive | 154.5M | |
| Net Income Per Employee | 174.4K | |
| Net Income Per Executive | 28.3M | |
| Working Capital Per Employee | 3.3M | |
| Working Capital Per Executive | 539.1M |
Complementary Tools for Credit Stock analysis
When running Credit Acceptance's price analysis, check to measure Credit Acceptance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Credit Acceptance is operating at the current time. Most of Credit Acceptance's value examination focuses on studying past and present price action to predict the probability of Credit Acceptance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Credit Acceptance's price. Additionally, you may evaluate how the addition of Credit Acceptance to your portfolios can decrease your overall portfolio volatility.
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