CREDIT ACCEPTANCE CORP (CACC)

As of 31 August 2026, short interest in CACC is 994,934 shares, down 47,004 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 108K shares a day that is 9.2 days to cover, elevated.

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As of 11 September 2026, the short share of CACC volume is 77.1%, down 2.2 points over the last five sessions. Over the last 52 readings it ranged from 34.5% (10 July 2026) to 89.4% (16 July 2026). The latest reading is 5.5 points above the 30-session average of 71.5%, on 26K shares reported.

As of 14 August 2026, the fails-to-deliver balance in CACC is 146 shares, up 145 shares over the last settlement date. Over the last 52 readings it ranged from 1 share (15 July 2026) to 193,560 shares (22 June 2026). The latest reading sits at the bottom of that range.

Insiders at CACC reported 86 open-market sells worth $28.2M in the last 90 days and no open-market buys. Sells alone are a weak signal; insiders sell for tax, diversification and estate reasons all the time. Latest filing: Watson Jill Foss on 2026-07-16.

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 the rarer, stronger signal.

5 Form 144 notices on file for CACC worth $11.5M at the prices reported; 5 in the last 90 days worth $11.5M. Latest: Booth Kenneth filed on 2026-09-03 to sell 10,000 shares ($6.2M) from 2026-09-03.

3 holders above 5% have filed on CACC, all on Schedule 13G (passive). The largest reported stake is John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981 at 6.3% of the class (652,797 shares), filed 2026-08-13 for an event on 2026-06-30.

7 of the 30 tracked managers held CACC at their latest 13F, $106.6M 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 1 added shares and 6 cut.

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.

In Q2 2026 (quarter ended 2026-06-30) CREDIT ACCEPTANCE CORP reported revenue of $587.4M, up 0.6% from the same quarter a year earlier, and net income of $135.9M (12.66 diluted EPS). In FY 2025 it generated $1.05B of operating cash flow and spent $725.4M on buybacks.

Quarterly, last 8 quarters

Fiscal years, with buybacks and dividends

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 cash paid to repurchase common stock in the year (XBRL PaymentsForRepurchaseOfCommonStock), not authorizations. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-23 from the cover page.