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CACC · Credit Acceptance Corp
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CACC Credit Acceptance (CACC) Insider Trading, Ownership & Congress Trades

Financial Services · Personal credit institutions · CIK 0000885550
Quote by TradingView
Form 144 · 10
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
0
13F, latest reported quarter
Conversions, 180 days
47
Codes C/M, not in net · $29.5M priced

What the filings say about CACC

Insiders, 180 days
-$59.0M net sold
8 sellers · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$40.5M
10 notices

Credit Acceptance insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, CREDIT ACCEPTANCE CORP insiders sold a net $59.0M of stock across 985 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-27.

Insider
Filed
Shares
Value
Since filing
Watson Jill Foss
SELL
2026-07-20 SECtraded 2026-07-16
977
$625.4K
-13.1%
Context
  • 325 earlier Form 4 trades (code P or S) here by this insider (325 sales), the last on Jul 2, 2026.
  • The trade is 2.0% of the 48,369 shares held after it.
  • 4 other insiders sold within 30 days.
Insider activity: Insider Watson Jill Foss sold about $625.4K of CACC on Jul 16, 2026; 4 other insiders sold within 30 days.
Watson Jill Foss
SELL
2026-07-20 SECtraded 2026-07-16
457
$293.1K
-13.1%
Context
  • 325 earlier Form 4 trades (code P or S) here by this insider (325 sales), the last on Jul 2, 2026.
  • The trade is 1.0% of the 47,912 shares held after it.
  • 4 other insiders sold within 30 days.
Insider activity: Insider Watson Jill Foss sold about $293.1K of CACC on Jul 16, 2026; 4 other insiders sold within 30 days.
Watson Jill Foss
SELL
2026-07-20 SECtraded 2026-07-16
2
$1.3K
-13.1%
Context
  • 325 earlier Form 4 trades (code P or S) here by this insider (325 sales), the last on Jul 2, 2026.
  • The trade is 0.0% of the 47,910 shares held after it.
  • 4 other insiders sold within 30 days.
Insider activity: Insider Watson Jill Foss sold about $1.3K of CACC on Jul 16, 2026; 4 other insiders sold within 30 days.
Watson Jill Foss
SELL
2026-07-07 SECtraded 2026-07-02
184
$119.0K
-14.6%
Context
  • 305 earlier Form 4 trades (code P or S) here by this insider (305 sales), the last on Apr 21, 2026.
  • The trade is 0.2% of the 91,923 shares held after it.
  • 4 other insiders sold within 30 days.
Insider activity: Insider Watson Jill Foss sold about $119.0K of CACC on Jul 2, 2026; 4 other insiders sold within 30 days.
Watson Jill Foss
SELL
2026-07-07 SECtraded 2026-07-02
53
$34.4K
-14.6%
Context
  • 305 earlier Form 4 trades (code P or S) here by this insider (305 sales), the last on Apr 21, 2026.
  • The trade is 0.1% of the 91,870 shares held after it.
  • 4 other insiders sold within 30 days.
Insider activity: Insider Watson Jill Foss sold about $34.4K of CACC on Jul 2, 2026; 4 other insiders sold within 30 days.
985 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
See all insider buying · insider selling
Showing the latest few. to see 980 more transactions and use the screener and CSV export. We store only your email; there is no password.
Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net -$59.0M over 180 days
-$8.1M of it by a 10%+ holder
below 96% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
under five funds report holding it
Revenue
+7.2% year over year
below 58% of Financial Services
Margin
18.3% net margin
more than 69% of Financial Services
Buybacks
$320.3M repurchased, FY to 2026-06-30
more than 78% of Financial Services
Short interest
18.8% of the float short (float per yahoo 2026-10-26) · 6.7 days to cover · settled 2026-09-30
more than 88% of Financial Services
What changed in the last 30 days
Oct 27Insider selling stopped: no sales in 90 days after 181 in the prior 90
Why it matters
The absence is the signal: 181 sales in one 90-day window and none in the next is a change of behaviour, not a filing.
Oct 6Member of immediate family of any of the foregoing Eidolon Corvid 2024 Trust filed to sell $8.0M by Oct 6 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.

Watch CACC

A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.

The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+7.2%12M
-18%-2%+15%+31%2025-102025-122026-022026-042026-062026-082026-10 2026-06-24 · LUM JONATHAN sold $3.6M2026-05-29 · LUM JONATHAN sold $2.9M2026-05-29 · Booth Kenneth sold $2.3M2026-05-06 · Booth Kenneth sold $2.2M2026-05-18 · Booth Kenneth sold $2.2M2026-05-19 · Booth Kenneth sold $2.2M2026-05-06 · LUM JONATHAN sold $2.2M2026-04-20 · Booth Kenneth sold $2.1M2026-02-02 · Booth Kenneth sold $2.1M2026-01-30 · Booth Kenneth sold $2.0M2026-06-24 · KERBER ERIN J sold $1.6M2026-04-20 · LUM JONATHAN sold $1.6M2026-02-09 · Martin Jay D sold $1.5M2026-04-21 · Watson Jill Foss sold $1.5M2026-04-17 · Rummler Wendy A sold $1.4M2025-12-10 · ULATOWSKI DANIEL A. sold $1.4M2026-06-24 · KERBER ERIN J sold $1.4M2026-04-17 · Martin Jay D sold $1.2M2026-05-14 · Booth Kenneth sold $1.1M2026-05-14 · Booth Kenneth sold $1.1M2026-06-24 · Elliott Nicholas J sold $1.0M2026-02-09 · Booth Kenneth sold $1.0M2026-04-21 · Watson Jill Foss sold $1.0M2026-06-24 · Martin Jay D sold $1.0M2026-07-02 · Watson Jill Foss sold $976.0K2026-06-24 · KERBER ERIN J sold $974.6K2026-05-06 · Rummler Wendy A sold $894.3K2026-05-29 · Elliott Nicholas J sold $867.7K2026-06-26 · KERBER ERIN J sold $798.1K2026-07-02 · Watson Jill Foss sold $782.7K2026-06-24 · Elliott Nicholas J sold $758.2K2026-05-29 · KERBER ERIN J sold $747.2K2026-05-29 · Martin Jay D sold $736.3K2026-07-02 · Watson Jill Foss sold $732.6K2026-06-26 · KERBER ERIN J sold $723.1K2026-05-06 · Valiyaveettil Ravi Mohan sold $694.1K2026-02-09 · Martin Jay D sold $684.6K2026-07-02 · Watson Jill Foss sold $675.9K2026-05-29 · KERBER ERIN J sold $637.2K2026-04-17 · Rummler Wendy A sold $634.3K2026-06-26 · KERBER ERIN J sold $631.5K2026-07-16 · Watson Jill Foss sold $625.4K2026-10-06 · Eidolon Corvid 2024 Trust filed to sell $8.0M2026-09-25 · Jill Foss Watson Living Trust filed to sell $6.7M2026-09-25 · Jill Foss Watson 2014 Children's Trust FBO Duncan Todd Watson filed to sell $3.1M2026-09-25 · Jill Foss Watson 2014 Children's Trust FBO Gwyneth Ellen Watson filed to sell $3.4M2026-09-25 · Jill Foss Watson Irrevocable Trust filed to sell $7.8M2026-09-03 · Booth Kenneth filed to sell $6.2M2026-09-02 · Booth Kenneth filed to sell $1.5M2026-08-21 · Booth Kenneth filed to sell $855.8K2026-08-21 · Booth Kenneth filed to sell $1.5M2026-08-06 · Booth Kenneth filed to sell $1.5M2026-07-09 · Eidolon Corvid 2024 Trust filed to sell $9.3M2026-07-07 · Allan Apple Trustee Donald A Foss Remainder Trust FBO Jordon Joseph Davis Foss filed to sell $13.0M2026-07-07 · Allan Apple Trustee Donald A Foss Remainder Trust FBO Samantha D Foss filed to sell $13.0M2026-07-02 · Allan V. Apple filed to sell $32.9M2026-07-01 · Prescott Associates L.P. filed to sell $6.5M2026-07-01 · WENDY A RUMMLER REV TRUST filed to sell $323.2K2026-06-30 · Meryl S Paul 2023 Trust filed to sell $15.8M2026-06-29 · Jill Foss Watson Living Trust filed to sell $6.2M2026-06-29 · Jill Foss Watson 2014 Children's Trust FBO Duncan Todd Watson filed to sell $6.2M2026-06-29 · Jill Foss Watson 2014 Children's Trust Gwyneth Ellen Watson filed to sell $6.2M
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns CACC: institutional holders (13F)

13F holdings, latest reported quarter
SEC 13F
No reported 13F holders

No fund above the reporting threshold listed this stock last quarter. That is a fact, not missing data.

Congress trades in CACC

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

CACC planned insider sales (Form 144)

Notice of intent to sell, filed before any sale
Eidolon Corvid 2024 Trust
Filed 2026-10-06
$8.0M
Jill Foss Watson Living Trust
Filed 2026-09-25
$6.7M
Jill Foss Watson 2014 Children's Trust FBO Duncan Todd Watson
Filed 2026-09-25
$3.1M
Jill Foss Watson 2014 Children's Trust FBO Gwyneth Ellen Watson
Filed 2026-09-25
$3.4M
Jill Foss Watson Irrevocable Trust
Filed 2026-09-25
$7.8M
Corporate PAC
The company's PAC: committee totals only, never individual donors (FEC).
Credit Acceptance Corporation Political Action Committee
Cycle 2026 · $0K spent
$0
Federal Election Commission, matched by the PAC's connected organisation
Executive pay vs shareholder return · Brett ARoberts
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2020
$359.9K
-$46.5M
n/a
n/a
n/a
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. This filer reported no return figures.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $59.0M sold by insiders over 180 days, $40.5M in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
MSTRCOINMORNUPSTIBKRARESHOODRKTSCHWGSDAVELDI

CACC financials

Revenue growth
+7.2%
XBRL, annual
Net margin
18.3%
Complaints, 90 days
1,097
-9.3% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$2.3B
four quarters, 2025-07-01 to 2026-06-30
Net margin, TTM
+3.3%
net income over revenue, 2025-07-01 to 2026-06-30
Free cash flow, TTM
$1.2B
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
n/a
no debt line filed
Cash flow to debt
n/a
no debt line filed
Return on equity
+5.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+0.9%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
11.84x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
Enterprise value
n/a
no debt line filed
FCF yield
+21.9%
TTM free cash flow over market value at close 2026-10-26
PEG, trailing
0.38x
P/E over trailing EPS growth of 31%: four quarters to 2026-06-30 against the four to 2025-06-30
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Revenue$2.3B$2.2B$1.9B$1.8B
Net income$424$248$286$536
EPS (diluted)n/an/an/an/a
Operating cash flow$1.1B$1.1B$1.2B$1.2B
Cash$22.8M$343.7M$13.2M$7.7M
Buybacks$725.4M$313.3M$202.6M$784.5M
SEC XBRL, fiscal years, as known on 2026-10-27

CACC Stock Sonar score 5/7 axes

Find similar shapesCompare

CACC ranks highest on profitability (47th percentile) and growth (42nd), and lowest on insider conviction (2nd), among Financial Services peers.

ProfitGrowthInsidersInstitutionsRisk
Profitability
47
Inputs
  • Return on equity+5.0% · 44 pct, sector of 205
  • Return on assets+0.9% · 51 pct, sector of 266
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Growth
42
Inputs
  • Revenue growth, YoY+7.2% · 42 pct, sector of 245
  • Backlog growth, YoYno backlog line filed, or no year-earlier backlog
Insider conviction
2
Inputs
  • Net Form 4 buying (codes P and S), 180d-$59.0M · 4 pct, sector of 161
  • Insider buyers, 180d0 · 0 pct, sector of 165
Institutional and government
26
Inputs
  • Funds adding, latest quarterfewer than five funds report holding it
  • Congress net buyers, 365dno Congress trades in 365 days
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quarters$240K · 26 pct, sector of 40
Risk and compliance
33
Inputs
  • Short interest, % of float+18.8% · 8 pct, sector of 390
  • Recalls per $1B revenue, 3ynot measured for this sector, almost no peer has an event
  • EPA cases per $1B revenue, 5ynot measured for this sector, almost no peer has an event
  • New text in Risk Factors, latest 10-K+10.7% · 58 pct, sector of 175
2 not measured: Financial health, US patents
  • Financial health needs 1 of 2 inputs, 0 present: no debt line filed
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

CACC filings, in plain words

Are Credit Acceptance insiders buying or selling CACC?

In the 180 days to 2026-10-27, Credit Acceptance insiders were net sellers, a net $59.0M across purchases and sales reported on Form 4, by 8 sellers.

Are there planned insider sales of CACC?

Yes. 10 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-27, covering $40.5M of stock; the latest, by Eidolon Corvid 2024 Trust, was filed 2026-10-06.

Read the full summary

In the 180 days to 2026-10-27, Credit Acceptance insiders were net sellers of CACC, a net $59.0M across purchases and sales reported on Form 4 by 8 sellers. None of the 181 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 10 Form 144 notices of intent to sell in the 90 days to 2026-10-27, covering $40.5M of stock. Each figure is counted from SEC and House filings as of 2026-10-27, dated the day the filing was made public.

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