Credit Acceptance (CACC)
Credit Acceptance on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on Nasdaq, classified by the SEC as personal credit institutions.
1.0M
Short interest
settlement 2026-10-15
10.7
Days to cover
+4.1 days vs prior
40.7%
Short share of volume
2026-11-03
366
Fails to deliver
settlement 2026-10-01
Thu 28 Jan
Next earnings
estimated date
$0
Insider flow, 90 days
0 buys, 0 sells
As of 2026-11-03.
Short interest
FINRA, twice a month. The newest 48 settlements in the table, 48 in the chart. JSONAs of 15 October 2026, short interest in CACC is 1,010,300 shares, up 27,539 shares over the last month. Over the last 48 readings it ranged from 412,036 shares (28 February 2025) to 1,337,577 shares (15 January 2026). At the reported average volume of 94K shares a day that is 10.7 days to cover.
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| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-10-15 | 1,010,300 | +5.0% | 94,057 | 10.74 |
| 2026-09-30 | 961,716 | -2.1% | 143,675 | 6.69 |
| 2026-09-15 | 982,761 | -1.2% | 89,961 | 10.92 |
| 2026-08-31 | 994,934 | +5.3% | 108,283 | 9.19 |
| 2026-08-14 | 944,516 | -9.3% | 116,235 | 8.13 |
| 2026-07-31 | 1,041,938 | -13.8% | 132,210 | 7.88 |
| 2026-07-15 | 1,209,368 | -0.5% | 147,697 | 8.19 |
| 2026-06-30 | 1,215,690 | +19.7% | 251,607 | 4.83 |
| 2026-06-15 | 1,015,659 | +14.9% | 159,183 | 6.38 |
| 2026-05-29 | 883,974 | -12.3% | 130,190 | 6.79 |
| 2026-05-15 | 1,008,073 | +9.1% | 168,189 | 5.99 |
| 2026-04-30 | 924,331 | -7.9% | 134,117 | 6.89 |
| 2026-04-15 | 1,003,914 | -4.3% | 140,707 | 7.13 |
| 2026-03-31 | 1,049,098 | -6.7% | 162,309 | 6.46 |
| 2026-03-13 | 1,124,345 | +2.6% | 292,514 | 3.84 |
| 2026-02-27 | 1,095,488 | -6.9% | 206,773 | 5.30 |
| 2026-02-13 | 1,176,749 | -6.8% | 268,851 | 4.38 |
| 2026-01-30 | 1,262,902 | -5.6% | 160,265 | 7.88 |
| 2026-01-15 | 1,337,577 | +2.4% | 161,721 | 8.27 |
| 2025-12-31 | 1,306,756 | -1.4% | 104,479 | 12.51 |
| 2025-12-15 | 1,325,978 | +1.3% | 99,103 | 13.38 |
| 2025-11-28 | 1,308,650 | +5.9% | 94,072 | 13.91 |
| 2025-11-14 | 1,236,175 | +31.2% | 193,799 | 6.38 |
| 2025-10-31 | 942,349 | +19.8% | 152,428 | 6.18 |
| 2025-10-15 | 786,608 | +14.5% | 127,008 | 6.19 |
| 2025-09-30 | 687,029 | -0.1% | 133,066 | 5.16 |
| 2025-09-15 | 687,869 | +7.4% | 123,129 | 5.59 |
| 2025-08-29 | 640,606 | +0.6% | 110,491 | 5.80 |
| 2025-08-15 | 637,057 | +3.5% | 126,204 | 5.05 |
| 2025-07-31 | 615,398 | -6.3% | 77,163 | 7.98 |
| 2025-07-15 | 656,947 | -4.8% | 156,210 | 4.21 |
| 2025-06-30 | 689,788 | +4.7% | 228,022 | 3.03 |
| 2025-06-13 | 658,683 | +0.9% | 280,487 | 2.35 |
| 2025-05-30 | 652,964 | +4.5% | 87,084 | 7.50 |
| 2025-05-15 | 624,777 | +4.5% | 154,105 | 4.05 |
| 2025-04-30 | 597,812 | +5.7% | 59,263 | 10.09 |
| 2025-04-15 | 565,478 | +16.5% | 144,486 | 3.91 |
| 2025-03-31 | 485,240 | +9.5% | 77,320 | 6.28 |
| 2025-03-14 | 443,143 | +7.5% | 78,924 | 5.61 |
| 2025-02-28 | 412,036 | -4.5% | 54,781 | 7.52 |
| 2025-02-14 | 431,419 | -0.6% | 59,735 | 7.22 |
| 2025-01-31 | 434,127 | -2.7% | 68,520 | 6.34 |
| 2025-01-15 | 446,322 | -6.3% | 50,097 | 8.91 |
| 2024-12-31 | 476,198 | -3.6% | 44,557 | 10.69 |
| 2024-12-13 | 493,785 | +8.8% | 63,288 | 7.80 |
| 2024-11-29 | 453,907 | -0.0% | 81,628 | 5.56 |
| 2024-11-15 | 454,100 | -14.6% | 91,813 | 4.95 |
| 2024-10-31 | 531,900 | +2.9% | 62,130 | 8.56 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 3 November 2026, the short share of CACC volume is 40.7%, down 19.7 points over the last five sessions. Over the last 30 readings it ranged from 40.7% (3 November 2026) to 83.4% (15 October 2026). The latest reading sits at the bottom of that range. The latest reading is 29.6 points below the 30-session average of 70.3%, on 83K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-11-03 | 34K | 83K | 40.7% | 13 |
| 2026-11-02 | 58K | 109K | 53.2% | 28 |
| 2026-10-30 | 112K | 192K | 58.3% | 829 |
| 2026-10-29 | 51K | 66K | 76.7% | 0 |
| 2026-10-28 | 22K | 33K | 64.5% | 0 |
| 2026-10-27 | 19K | 32K | 60.4% | 1 |
| 2026-10-26 | 15K | 22K | 69.9% | 4 |
| 2026-10-23 | 15K | 23K | 66.9% | 6 |
| 2026-10-22 | 25K | 33K | 75.6% | 0 |
| 2026-10-21 | 16K | 25K | 63.9% | 0 |
| 2026-10-20 | 16K | 20K | 77.6% | 0 |
| 2026-10-19 | 20K | 29K | 69.8% | 0 |
| 2026-10-16 | 18K | 24K | 74.3% | 0 |
| 2026-10-15 | 25K | 30K | 83.4% | 0 |
| 2026-10-14 | 22K | 28K | 79.1% | 0 |
| 2026-10-13 | 16K | 24K | 67.2% | 1 |
| 2026-10-12 | 18K | 24K | 73.8% | 0 |
| 2026-10-09 | 25K | 32K | 79.2% | 0 |
| 2026-10-08 | 12K | 18K | 68.6% | 0 |
| 2026-10-07 | 23K | 32K | 71.2% | 12 |
| 2026-10-06 | 24K | 33K | 72.8% | 38 |
| 2026-10-05 | 24K | 40K | 60.8% | 48 |
| 2026-10-02 | 43K | 52K | 83.4% | 14 |
| 2026-10-01 | 89K | 110K | 81.0% | 0 |
| 2026-09-30 | 37K | 47K | 78.3% | 80 |
| 2026-09-29 | 39K | 54K | 72.4% | 0 |
| 2026-09-28 | 21K | 33K | 64.3% | 0 |
| 2026-09-25 | 59K | 86K | 68.5% | 0 |
| 2026-09-24 | 55K | 73K | 75.4% | 5 |
| 2026-09-23 | 50K | 64K | 79.1% | 12 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 1 October 2026, the fails-to-deliver balance in CACC is 366 shares, up 342 shares over the last settlement date. Over the last 30 readings it ranged from 1 share (15 July 2026) to 8,108 shares (20 July 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-10-01 | 366 | $531.00 | $194K |
| 2026-09-30 | 24 | $537.10 | $13K |
| 2026-09-29 | 75 | $550.00 | $41K |
| 2026-09-21 | 2,841 | $578.29 | $1.6M |
| 2026-09-18 | 2 | $590.41 | $1K |
| 2026-09-17 | 28 | $601.54 | $17K |
| 2026-09-16 | 3,555 | $600.11 | $2.1M |
| 2026-09-11 | 11 | $605.46 | $7K |
| 2026-09-10 | 36 | $596.99 | $21K |
| 2026-09-03 | 54 | $607.77 | $33K |
| 2026-08-31 | 2,339 | $594.89 | $1.4M |
| 2026-08-24 | 6,987 | $601.05 | $4.2M |
| 2026-08-14 | 146 | $582.89 | $85K |
| 2026-08-12 | 1 | $572.21 | $572 |
| 2026-08-11 | 1 | $581.25 | $581 |
| 2026-08-07 | 403 | $581.30 | $234K |
| 2026-08-06 | 463 | $592.52 | $274K |
| 2026-08-03 | 462 | $568.91 | $263K |
| 2026-07-31 | 8 | $555.67 | $4K |
| 2026-07-30 | 231 | $556.71 | $129K |
| 2026-07-27 | 8 | $574.08 | $5K |
| 2026-07-23 | 7,650 | $606.22 | $4.6M |
| 2026-07-20 | 8,108 | $640.00 | $5.2M |
| 2026-07-17 | 3 | $637.55 | $2K |
| 2026-07-16 | 211 | $616.28 | $130K |
| 2026-07-15 | 1 | $617.78 | $618 |
| 2026-07-14 | 60 | $626.13 | $38K |
| 2026-07-13 | 11 | $625.97 | $7K |
| 2026-07-10 | 4 | $627.11 | $3K |
| 2026-07-09 | 222 | $628.96 | $140K |
Insider trades
SEC Form 4, newest first. JSONNo open-market insider trades were reported for CACC in the last 90 days. The most recent filings are listed below. Latest filing: Watson Jill Foss (10% owner) on 2026-07-16.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-07-16 | Watson Jill Foss | 10% owner | Sell | 2 | $642.08 | $1K | 48K |
| 2026-07-16 | Watson Jill Foss | 10% owner | Sell | 457 | $641.31 | $293K | 48K |
| 2026-07-16 | Watson Jill Foss | 10% owner | Sell | 977 | $640.15 | $625K | 48K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 102 | $652.70 | $67K | 49K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 562 | $651.94 | $366K | 49K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 1K | $650.66 | $783K | 50K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 2K | $649.38 | $976K | 51K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 1K | $648.32 | $733K | 53K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 80 | $666.22 | $53K | 86K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 81 | $665.28 | $54K | 86K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 813 | $664.11 | $540K | 86K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 503 | $663.28 | $334K | 87K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 181 | $661.67 | $120K | 87K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 156 | $659.02 | $103K | 87K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 175 | $657.11 | $115K | 87K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 869 | $654.76 | $569K | 88K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 819 | $653.79 | $535K | 88K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 689 | $653.08 | $450K | 89K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 1K | $651.80 | $676K | 90K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 447 | $650.92 | $291K | 91K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 413 | $649.76 | $268K | 91K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 53 | $648.68 | $34K | 92K |
| 2026-07-02 | Watson Jill Foss | 10% owner | Sell | 184 | $646.77 | $119K | 92K |
| 2026-07-02 | Prescott General Partners LLC | 10% owner, Member of Section 13(d) Group | Other transaction | 10K | $655.72 | $6.5M | 901K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 120 | $634.83 | $76K | 21K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 180 | $633.93 | $114K | 21K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 324 | $632.81 | $205K | 21K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 360 | $631.29 | $227K | 22K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 17 | $629.78 | $11K | 22K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 683 | $628.94 | $430K | 22K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 449 | $627.44 | $282K | 23K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Sell | 173 | $625.29 | $108K | 23K |
| 2026-06-26 | Elliott Nicholas J | Chief Transformation Officer | Exercise or conversion | 2K | $333.94 | $770K | 23K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 240 | $634.57 | $152K | 26K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 1K | $632.63 | $723K | 26K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 1K | $631.49 | $631K | 27K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 305 | $629.83 | $192K | 28K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 1K | $628.93 | $798K | 28K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 785 | $627.71 | $493K | 30K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 581 | $627.12 | $364K | 30K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Sell | 397 | $625.37 | $248K | 31K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 3K | $454.11 | $1.5M | 31K |
| 2026-06-26 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 2K | $333.94 | $807K | 28K |
| 2026-06-25 | Elliott Nicholas J | Chief Transformation Officer | Sell | 240 | $629.95 | $151K | 21K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 240 | $629.95 | $151K | 26K |
| 2026-06-25 | Elliott Nicholas J | Chief Transformation Officer | Sell | 240 | $628.25 | $151K | 21K |
| 2026-06-25 | Elliott Nicholas J | Chief Transformation Officer | Sell | 24 | $627.80 | $15K | 21K |
| 2026-06-25 | Elliott Nicholas J | Chief Transformation Officer | Sell | 132 | $626.00 | $83K | 21K |
| 2026-06-25 | Elliott Nicholas J | Chief Transformation Officer | Sell | 547 | $625.39 | $342K | 22K |
| 2026-06-25 | Elliott Nicholas J | Chief Transformation Officer | Exercise or conversion | 1K | $333.94 | $395K | 22K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 183 | $628.73 | $115K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 114 | $627.68 | $72K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 634 | $626.42 | $397K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 526 | $625.53 | $329K | 27K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 2K | $454.11 | $771K | 27K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 360 | $629.39 | $227K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 240 | $628.26 | $151K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 25 | $627.51 | $16K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 278 | $626.87 | $174K | 26K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Sell | 337 | $625.40 | $211K | 27K |
| 2026-06-25 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 1K | $333.94 | $414K | 27K |
| 2026-06-24 | LUM JONATHAN | Chief Operating Officer | Sell | 6K | $600.00 | $3.6M | 32K |
| 2026-06-24 | LUM JONATHAN | Chief Operating Officer | Exercise or conversion | 6K | $333.94 | $2.0M | 38K |
| 2026-06-24 | Martin Jay D | Chief Financial Officer | Sell | 163 | $603.71 | $98K | 26K |
| 2026-06-24 | Martin Jay D | Chief Financial Officer | Sell | 416 | $602.49 | $251K | 26K |
| 2026-06-24 | Martin Jay D | Chief Financial Officer | Sell | 737 | $601.32 | $443K | 27K |
| 2026-06-24 | Martin Jay D | Chief Financial Officer | Sell | 2K | $600.30 | $1.0M | 27K |
| 2026-06-24 | Martin Jay D | Chief Financial Officer | Exercise or conversion | 3K | $333.94 | $1.0M | 29K |
| 2026-06-24 | Elliott Nicholas J | Chief Transformation Officer | Sell | 175 | $603.45 | $106K | 21K |
| 2026-06-24 | Elliott Nicholas J | Chief Transformation Officer | Sell | 355 | $602.43 | $214K | 21K |
| 2026-06-24 | Elliott Nicholas J | Chief Transformation Officer | Sell | 1K | $601.25 | $758K | 21K |
| 2026-06-24 | Elliott Nicholas J | Chief Transformation Officer | Sell | 2K | $600.29 | $1.0M | 23K |
| 2026-06-24 | Elliott Nicholas J | Chief Transformation Officer | Exercise or conversion | 3K | $333.94 | $1.2M | 24K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 351 | $603.58 | $212K | 26K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 319 | $602.46 | $192K | 26K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 2K | $601.25 | $975K | 26K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 3K | $600.32 | $1.6M | 28K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 5K | $454.11 | $2.3M | 31K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 250 | $603.63 | $151K | 26K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 204 | $602.63 | $123K | 26K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 825 | $601.37 | $496K | 26K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Sell | 2K | $600.27 | $1.4M | 27K |
| 2026-06-24 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 4K | $333.94 | $1.2M | 29K |
| 2026-06-17 | KERBER ERIN J | Chief Legal Officer | Sell | 1 | $575.93 | $576 | 26K |
| 2026-06-17 | Martin Jay D | Chief Financial Officer | Sell | 1 | $581.70 | $582 | 26K |
| 2026-06-17 | Martin Jay D | Chief Financial Officer | Exercise or conversion | 2 | $333.94 | $668 | 26K |
| 2026-06-17 | Martin Jay D | Chief Financial Officer | Sell | 1 | $575.15 | $575 | 26K |
| 2026-06-17 | KERBER ERIN J | Chief Legal Officer | Sell | 1 | $581.70 | $582 | 26K |
| 2026-06-17 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 2 | $333.94 | $668 | 26K |
| 2026-06-17 | Elliott Nicholas J | Chief Transformation Officer | Exercise or conversion | 3 | $333.94 | $1K | 21K |
| 2026-06-17 | Elliott Nicholas J | Chief Transformation Officer | Sell | 1 | $581.70 | $582 | 21K |
| 2026-06-17 | Elliott Nicholas J | Chief Transformation Officer | Sell | 2 | $575.93 | $1K | 21K |
| 2026-06-16 | KERBER ERIN J | Chief Legal Officer | Sell | 6 | $577.24 | $3K | 26K |
| 2026-06-16 | Martin Jay D | Chief Financial Officer | Sell | 1 | $579.81 | $580 | 26K |
| 2026-06-16 | Martin Jay D | Chief Financial Officer | Sell | 9 | $578.65 | $5K | 26K |
| 2026-06-16 | Martin Jay D | Chief Financial Officer | Sell | 2 | $575.28 | $1K | 26K |
| 2026-06-16 | Martin Jay D | Chief Financial Officer | Exercise or conversion | 25 | $333.94 | $8K | 26K |
| 2026-06-16 | Martin Jay D | Chief Financial Officer | Sell | 1 | $581.49 | $581 | 26K |
| 2026-06-16 | Martin Jay D | Chief Financial Officer | Sell | 12 | $577.51 | $7K | 26K |
| 2026-06-16 | KERBER ERIN J | Chief Legal Officer | Exercise or conversion | 27 | $333.94 | $9K | 26K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Planned sales (Form 144)
Newest first. JSON50 Form 144 notices on file for CACC worth $158.7M at the prices reported; 10 in the last 90 days worth $40.5M. Latest: Eidolon Corvid 2024 Trust filed on 2026-10-06 to sell 15,000 shares ($8.0M) from 2026-10-06.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-10-06 | Eidolon Corvid 2024 TrustMember of immediate family of any of the foregoing | 15K | $8.0M | 0.143% | 2026-10-06 | UBS Financial Services Inc |
| 2026-09-25 | Jill Foss Watson Irrevocable TrustMember of immediate family of any of the foregoing | 14K | $7.8M | 0.135% | 2026-09-25 | UBS Financial Services Inc |
| 2026-09-25 | Jill Foss Watson 2014 Children's Trust FBO Gwyneth Ellen WatsonMember of immediate family of any of the foregoing | 6K | $3.4M | 0.059% | 2026-09-25 | UBS Financial Services Inc |
| 2026-09-25 | Jill Foss Watson 2014 Children's Trust FBO Duncan Todd WatsonMember of immediate family of any of the foregoing | 6K | $3.1M | 0.054% | 2026-09-25 | UBS Financial Services Inc |
| 2026-09-25 | Jill Foss Watson Living TrustStakeholder | 12K | $6.7M | 0.116% | 2026-09-25 | UBS Financial Services Inc |
| 2026-09-03 | Booth KennethFormer Director | 10K | $6.2M | 0.096% | 2026-09-03 | Fidelity Brokerage Services LLC |
| 2026-09-02 | Booth KennethFormer Director | 3K | $1.5M | 0.024% | 2026-09-02 | Fidelity Brokerage Services LLC |
| 2026-08-21 | Booth KennethFormer Director | 3K | $1.5M | 0.024% | 2026-08-21 | Fidelity Brokerage Services LLC |
| 2026-08-21 | Booth KennethFormer Director | 1K | $856K | 0.014% | 2026-08-21 | Fidelity Brokerage Services LLC |
| 2026-08-06 | Booth KennethFormer Director | 3K | $1.5M | 0.025% | 2026-08-06 | Fidelity Brokerage Services LLC |
| 2026-07-09 | Eidolon Corvid 2024 TrustMember of immediate family of any of the foregoing | 15K | $9.3M | 0.143% | 2026-07-09 | UBS Financial Services Inc |
| 2026-07-07 | Allan Apple Trustee Donald A Foss Remainder Trust FBO Samantha D FossStakeholder | 20K | $13.0M | 0.191% | 2026-07-07 | UBS Financial Services Inc |
| 2026-07-07 | Allan Apple Trustee Donald A Foss Remainder Trust FBO Jordon Joseph Davis FossStakeholder | 20K | $13.0M | 0.191% | 2026-07-07 | UBS Financial Services Inc |
| 2026-07-01 | WENDY A RUMMLER REV TRUSTFormer Officer but resigned 5/25/26 | 500 | $323K | 0.005% | 2026-07-01 | Morgan Stanley Smith Barney LLC Executive Financial Services |
| 2026-07-01 | Prescott Associates L.P.Member of Section 13(d) Group | 10K | $6.5M | 0.095% | 2026-07-02 | Fidelity Brokerage Services LLC |
| 2026-06-30 | Meryl S Paul 2023 TrustMember of immediate family of any of the foregoing | 25K | $15.8M | 0.239% | 2026-06-30 | UBS Securities LLC |
| 2026-06-29 | Jill Foss Watson Irrevocable TrustMember of immediate family of any of the foregoing | 20K | $12.5M | 0.191% | 2026-06-29 | UBS Financial Services Inc |
| 2026-06-29 | Jill Foss Watson 2014 Children's Trust Gwyneth Ellen WatsonMember of immediate family of any of the foregoing | 10K | $6.3M | 0.096% | 2026-06-29 | UBS Financial Services Inc |
| 2026-06-29 | Jill Foss Watson 2014 Children's Trust FBO Duncan Todd WatsonMember of immediate family of any of the foregoing | 10K | $6.3M | 0.096% | 2026-06-29 | UBS Financial Services Inc |
| 2026-06-29 | Jill Foss Watson Living TrustStakeholder | 10K | $6.3M | 0.096% | 2026-06-29 | UBS Financial Services Inc |
| 2026-06-26 | Elliott Nicholas JOfficer | 2K | $1.5M | 0.022% | 2026-06-26 | Fidelity Brokerage Services LLC |
| 2026-06-26 | KERBER ERIN JOfficer | 6K | $3.6M | 0.055% | 2026-06-26 | Fidelity Brokerage Services LLC |
| 2026-06-25 | Elliott Nicholas JOfficer | 1K | $742K | 0.011% | 2026-06-25 | Fidelity Brokerage Services LLC |
| 2026-06-25 | KERBER ERIN JOfficer | 3K | $1.8M | 0.028% | 2026-06-25 | Fidelity Brokerage Services LLC |
| 2026-06-24 | KERBER ERIN JOfficer | 9K | $5.2M | 0.083% | 2026-06-24 | Fidelity Brokerage Services LLC |
| 2026-06-24 | Martin Jay DOfficer | 3K | $1.8M | 0.029% | 2026-06-24 | Fidelity Brokerage Services LLC |
| 2026-06-24 | Elliott Nicholas JOfficer | 3K | $2.1M | 0.033% | 2026-06-24 | Fidelity Brokerage Services LLC |
| 2026-06-24 | LUM JONATHANOfficer | 6K | $3.6M | 0.057% | 2026-06-24 | Fidelity Brokerage Services LLC |
| 2026-06-17 | Elliott Nicholas JOfficer | 3 | $2K | 0.000% | 2026-06-17 | Fidelity Brokerage Services LLC |
| 2026-06-17 | KERBER ERIN JOfficer | 2 | $1K | 0.000% | 2026-06-17 | Fidelity Brokerage Services LLC |
| 2026-06-17 | Martin Jay DOfficer | 2 | $1K | 0.000% | 2026-06-17 | Fidelity Brokerage Services LLC |
| 2026-06-16 | Elliott Nicholas JOfficer | 36 | $21K | 0.000% | 2026-06-16 | Fidelity Brokerage Services LLC |
| 2026-06-16 | Martin Jay DOfficer | 25 | $14K | 0.000% | 2026-06-16 | Fidelity Brokerage Services LLC |
| 2026-06-16 | KERBER ERIN JOfficer | 27 | $16K | 0.000% | 2026-06-16 | Fidelity Brokerage Services LLC |
| 2026-06-15 | KERBER ERIN JOfficer | 27 | $16K | 0.000% | 2026-06-15 | Fidelity Brokerage Services LLC |
| 2026-06-15 | Martin Jay DOfficer | 22 | $13K | 0.000% | 2026-06-15 | Fidelity Brokerage Services LLC |
| 2026-06-15 | Elliott Nicholas JOfficer | 16 | $9K | 0.000% | 2026-06-15 | Fidelity Brokerage Services LLC |
| 2026-06-09 | Martin Jay DOfficer | 26 | $15K | 0.000% | 2026-06-09 | Fidelity Brokerage Services LLC |
| 2026-06-09 | KERBER ERIN JOfficer | 32 | $18K | 0.000% | 2026-06-09 | Fidelity Brokerage Services LLC |
| 2026-06-09 | Elliott Nicholas JOfficer | 32 | $18K | 0.000% | 2026-06-09 | Fidelity Brokerage Services LLC |
| 2026-06-08 | Martin Jay DOfficer | 18 | $10K | 0.000% | 2026-06-08 | Fidelity Brokerage Services LLC |
| 2026-06-08 | Elliott Nicholas JOfficer | 21 | $12K | 0.000% | 2026-06-08 | Fidelity Brokerage Services LLC |
| 2026-06-08 | KERBER ERIN JOfficer | 22 | $13K | 0.000% | 2026-06-08 | Fidelity Brokerage Services LLC |
| 2026-06-01 | Martin Jay DOfficer | 51 | $29K | 0.000% | 2026-06-01 | Fidelity Brokerage Services LLC |
| 2026-06-01 | KERBER ERIN JOfficer | 61 | $35K | 0.001% | 2026-06-01 | Fidelity Brokerage Services LLC |
| 2026-06-01 | Elliott Nicholas JOfficer | 59 | $34K | 0.001% | 2026-06-01 | Fidelity Brokerage Services LLC |
| 2026-05-29 | KERBER ERIN JOfficer | 3K | $2.0M | 0.033% | 2026-05-29 | Fidelity Brokerage Services LLC |
| 2026-05-29 | Martin Jay DOfficer | 3K | $1.6M | 0.027% | 2026-05-29 | Fidelity Brokerage Services LLC |
| 2026-05-29 | Elliott Nicholas JOfficer | 3K | $1.9M | 0.032% | 2026-05-29 | Fidelity Brokerage Services LLC |
| 2026-05-29 | LUM JONATHANOfficer | 5K | $2.9M | 0.048% | 2026-05-29 | Fidelity Brokerage Services LLC |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON10 holders report 5% or more of CACC in their latest filing, 7 on Schedule 13D (active intent). The largest reported stake is Allan V. Apple, not individually but solely in capacity as trustee at 19.8% of the class (2,070,944 shares), filed 2026-06-05 for an event on 2026-06-05.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-08-13 | 13G/Ano. 5 | John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981individual | 653K | 6.3% | 2026-06-30 |
| 2026-07-27 | 13G | BlackRock, Inc.parent holding company | 630K | 6.0% | 2026-06-30 |
| 2026-07-07 | 13D/Ano. 14 | Prescott General Partners LLCinvestment adviser, other entity | 1.4M | 13.6% | 2026-07-02 |
| 2026-07-07 | 13D/Ano. 14 | Prescott Associates L.P.partnership | 901K | 8.6% | 2026-07-02 |
| 2026-07-07 | 13D/Ano. 14 | Thomas W. Smithindividual | 651K | 6.2% | 2026-07-02 |
| 2026-07-07 | 13D/Ano. 14 | Scott J. Vassalluzzoindividual | 69K | 0.7% | 2026-07-02 |
| 2026-07-07 | 13D/Ano. 14 | Prescott Investors Profit Sharing Trustemployee benefit plan | 41K | 0.4% | 2026-07-02 |
| 2026-06-05 | 13D/Ano. 13 | Jill Foss Watsonother entity | 1.5M | 14.5% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 13 | The Donald A. Foss 2009 Remainder Trustother entity | 796K | 7.6% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 13 | The Donald A. Foss 2010 Remainder Trustother entity | 493K | 4.7% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 13 | Jill Foss Watson Living Trustother entity | 92K | 0.9% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 13 | Karol A. Foss Irrevocable Grandchildren's Trustother entity | 84K | 0.8% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 13 | Jill Foss Watson Irrevocable Trustother entity | 54K | 0.4% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 4 | Allan V. Apple, not individually but solely in capacity as trusteeindividual | 2.1M | 19.8% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 4 | Marital Trust U/A Donald A. Foss Trust January 16, 1981other entity | 686K | 6.6% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 4 | The Donald A. Foss 2011 Remainder Trust FBO Robert s. Foss and Descendantsother entity | 86K | 0.8% | 2026-06-05 |
| 2026-06-05 | 13D/Ano. 4 | The Donald A. Foss 2010 Remainder Trust #2other entity | 9K | 0.1% | 2026-06-05 |
| 2026-05-14 | 13G | Boston Partnersinvestment adviser | 547K | 5.1% | 2026-03-31 |
| 2026-02-12 | 13G/Ano. 8 | Ruane, Cunniff & Goldfarb L.P.investment adviser, partnership | 536K | 4.9% | 2025-12-31 |
13F holders
Tracked managers holding CACC at their latest 13F. JSON7 of the 30 tracked managers held CACC at their latest 13F, $100.7M in total at quarter-end prices. AQR Capital Management is the largest at $43.8M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 2 added shares and 5 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| AQR Capital Management | 2026-06-30 | 69K | $43.8M | 0.02% | +64K |
| Renaissance Technologies | 2026-06-30 | 60K | $38.1M | 0.05% | -4K |
| Citadel Advisors | 2026-06-30 | 18K | $11.6M | 0.00% | +9K |
| Bridgewater Associates | 2026-06-30 | 5K | $3.4M | 0.01% | -5K |
| Millennium Management | 2026-06-30 | 3K | $1.7M | 0.00% | -35K |
| Two Sigma Investments | 2026-06-30 | 2K | $1.4M | 0.00% | -2K |
| D. E. Shaw & Co. | 2026-06-30 | 960 | $611K | 0.00% | -240 |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn Q3 FY 2026 (quarter ended 2026-09-30) Credit Acceptance reported revenue of $594.6M, up 2.1% from the same quarter a year earlier, and net loss of $56.6M (-5.43 diluted EPS). In FY 2025 it generated $1.05B of operating cash flow and spent $725.4M on buybacks.
- Cash
- $1.3M
- Equity
- $1.39B
- Total assets
- $8.88B
- Shares outstanding
- 10,137,465
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q3 FY 2026 | 2026-09-30 | $594.6M | -$56.6M | -9.5% | -5.43 |
| Q2 FY 2026 | 2026-06-30 | $587.4M | $135.9M | 23.1% | 12.66 |
| Q1 FY 2026 | 2026-03-31 | $580.0M | $135.8M | 23.4% | 12.40 |
| Q4 FY 2025derived | 2025-12-31 | $579.9M | $122.0M | 21.0% | n/a |
| Q3 FY 2025 | 2025-09-30 | $582.4M | $108.2M | 18.6% | 9.43 |
| Q2 FY 2025 | 2025-06-30 | $583.8M | $87.4M | 15.0% | 7.42 |
| Q1 FY 2025 | 2025-03-31 | $571.1M | $106.3M | 18.6% | 8.66 |
| Q4 FY 2024derived | 2024-12-31 | $565.9M | $151.9M | 26.8% | n/a |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | $2.32B | $423.9M | $1.05B | $1.6M | $725.4M | n/a |
| FY 2024 | 2024-12-31 | $2.16B | $247.9M | $1.14B | $1.8M | $313.3M | n/a |
| FY 2023 | 2023-12-31 | $1.90B | $286.1M | $1.20B | $4.0M | $202.6M | n/a |
| FY 2022 | 2022-12-31 | $1.83B | $535.8M | $1.24B | $3.1M | $784.5M | n/a |
| FY 2021 | 2021-12-31 | $1.86B | $958.3M | $1.07B | $7.6M | $1.47B | n/a |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-09-30; shares outstanding as of 2026-10-22 from the cover page.
What this page is
Credit Acceptance in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Credit Acceptance (CACC), SEC CIK 885550, listed on Nasdaq, classified by the SEC as personal credit institutions. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-10-15.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-11-03.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-10-01.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-10-06.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-08-13.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-09-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-10-29.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-07-16.JSON and CSV
- Company record
- EDGAR filing index for CIK 885550Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
Other companies the SEC classifies as personal credit institutions
Other company pages
Datasets
Frequently Asked Questions
How much of CACC is sold short?
1,010,300 shares were held short at the 2026-10-15 settlement, 10.7 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is CACC's daily short volume?
On 2026-11-03, 33,743 of the 82,915 CACC shares reported to FINRA were sold short, 40.7% of the day's reported volume. Short volume is a flow for one day, not a position.
Does CACC have fails to deliver?
The SEC's latest file shows 366 CACC shares failed to deliver at settlement 2026-10-01. Fails are reported per settlement date and published twice a month with a lag.
Are CACC insiders buying or selling?
No open-market insider trades were reported for CACC in the last 90 days. The most recent filings are listed below. Latest filing: Watson Jill Foss (10% owner) on 2026-07-16.
Have CACC insiders filed to sell?
50 Form 144 notices on file for CACC worth $158.7M at the prices reported; 10 in the last 90 days worth $40.5M. Latest: Eidolon Corvid 2024 Trust filed on 2026-10-06 to sell 15,000 shares ($8.0M) from 2026-10-06.
Who owns 5% or more of CACC?
10 holders report 5% or more of CACC in their latest filing, 7 on Schedule 13D (active intent). The largest reported stake is Allan V. Apple, not individually but solely in capacity as trustee at 19.8% of the class (2,070,944 shares), filed 2026-06-05 for an event on 2026-06-05.
What did CACC report last quarter?
In Q3 FY 2026 (quarter ended 2026-09-30) Credit Acceptance reported revenue of $594.6M, up 2.1% from the same quarter a year earlier, and net loss of $56.6M (-5.43 diluted EPS). In FY 2025 it generated $1.05B of operating cash flow and spent $725.4M on buybacks.
Which tracked 13F managers own CACC?
7 of the 30 tracked 13F managers held CACC shares at their latest filing, $100.7M in all. The largest: Cliff Asness's AQR Capital Management (69K shares, $43.8M), Renaissance Technologies (60K shares, $38.1M), Ken Griffin's Citadel Advisors (18K shares, $11.6M), Ray Dalio's Bridgewater Associates (5K shares, $3.4M), Izzy Englander's Millennium Management (3K shares, $1.7M), Two Sigma Investments (2K shares, $1.4M). The table above lists all 7.
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.