What is the 13F Pro Quality Score for CACC?

13F Pro ranks CREDIT ACCEPTANCE CORP (CACC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CACC's current score at https://13fpro.ai/company/CACC (free sign-up required for the full ranking).

Which hedge funds own the most CACC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CACC include Prescott General Partners, BlackRock,, Boston Partners. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/CACC as soon as new 13F filings post.

Where does 13F Pro source CACC data?

All CREDIT ACCEPTANCE CORP fundamentals and ownership data come directly from SEC EDGAR. CREDIT ACCEPTANCE CORP files with the SEC under CIK 885550. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CACC in?

CREDIT ACCEPTANCE CORP (CACC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives CACC's revenue?

Per CREDIT ACCEPTANCE CORP's latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Finance charges ($1,084.6M, +1.6% YoY); Premiums earned ($47.8M, +0.4% YoY); Other income ($35.0M, -12.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/CACC.

What are CACC's largest expenses?

CREDIT ACCEPTANCE CORP's latest 10-Q reports these as the largest expense items: Provision for credit losses ($298.8M, -10.7% YoY); Interest expense ($215.8M, -7.3% YoY); Operating expenses ($275.3M, -5.4% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (six months ended June 30, 2026).

How often is CACC research updated on 13F Pro?

CACC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CREDIT ACCEPTANCE CORP(CACC)Stock Analysis

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13F Pro Quality Score

68.6/100

Rank #313 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

53.0/100

Profitability

83.4/100

Balance Sheet

73.1/100

Earnings Quality

83.5/100

Free Cash Flow

95.8/100

Institutional Flow

88.3/100

Revenue Scale

65.7/100

Dilution Risk

38.6/100

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Why CACC Scores 69/100

exact factor attribution · 2026-09-11

CACC's composite is driven by free cash flow and profitability. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+6.9 pts

96th pct

Profitability

+6.7 pts

83th pct

Earnings quality

+3.4 pts

84th pct

Scale

+3.1 pts

66th pct

Earnings growth

+3.1 pts

97th pct

Capital efficiency

+3.1 pts

73th pct

Institutional flow

+2.5 pts

88th pct

Revenue growth

+0.8 pts

53th pct

Shareholder dilution

-0.8 pts

39th pct

Latest change (2026-08-04): 71 → 68 · ↓ Revenue growth 65→46; despite ↑ Earnings growth 77→88

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CACC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for CREDIT ACCEPTANCE CORP (CACC), a Financials sector company. 13F Pro's AI-powered ranking engine scores CACC at 68.6/100 on a 32-signal composite quality model, placing it at rank #313 of 2,961 stocks — the top 25% of the AI-ranked universe. CACC scores in the top quartile across free cash flow (95.8), institutional flow (88.3), earnings quality (83.5). Shareholder dilution risk is elevated at 38.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CREDIT ACCEPTANCE CORP reports quarterly revenue of $587.4M, net income of $135.9M, free cash flow of $307.9M. Top institutional holders of CACC by reported 13-F value include Prescott General Partners, BlackRock, Boston Partners, based on the most recent SEC filings. CACC trades on the Nasdaq exchange and files with the SEC under CIK 885550. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CACC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CREDIT ACCEPTANCE CORP directly from SEC EDGAR. CREDIT ACCEPTANCE CORP's 13F Pro composite quality score has ranged between 47 and 77 since 2021, currently 68.6 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about CREDIT ACCEPTANCE CORP

Quirks, history, and lore behind CACC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on Nasdaq · headquartered in Michigan.
2
The Numbers
Revenue in the range of $2 billion a year, with unusually high profit margins for its niche — it lends money that most banks won't touch.
3
The History
Founded in 1972, it spent decades quietly building a business around a customer segment the rest of the lending world largely ignored or rejected.
4
The Secret
Its secret sauce is a dealer-partner model — it works through auto dealerships rather than lending directly, sharing the risk and the reward.
5
The Lore
It has been a longtime darling of value investors for its disciplined underwriting and sky-high returns on equity — in a space most investors consider a financial minefield.
6
The Giveaway
It finances car purchases for subprime borrowers — people with damaged or no credit — turning auto dealer lots into its distribution network since the Nixon era.

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What's Driving CACC's Business? Latest 10-Q Breakdown

✓ 21/21 datapoints verified

AI-extracted from CREDIT ACCEPTANCE CORP's 10-Q filed 2026-08-04 — Q2 2026 (six months ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income increased 40.3% YoY to $271.7M for H1 2026 as provision for credit losses fell 10.7% and interest expense declined 7.3%.

Biggest Revenue Drivers

Finance charges$1,084.6M+1.6% YoY

Higher contractual yields on recent Consumer Loan assignments, partially offset by lower average net Loans receivable balance.

Premiums earned$47.8M+0.4% YoY

Vehicle service contract and GAP reinsurance premiums recognized over policy life.

Biggest Revenue Drivers

Total revenue: $1,167.4M+1.1% YoY

Finance charges$1,084.6M+1.6% YoY

Higher contractual yields on recent Consumer Loan assignments, partially offset by lower average net Loans receivable balance.

Premiums earned$47.8M+0.4% YoY

Vehicle service contract and GAP reinsurance premiums recognized over policy life.

Other income$35.0M-12.3% YoY

Ancillary product profit sharing, interest income, and remarketing fees from vehicle sales.

Largest Expense Items

Provision for credit losses$298.8M-10.7% YoY

Smaller decline in Consumer Loan performance and timing adjustments; includes $136.0M forecast changes and $162.8M on new assignments.

Interest expense$215.8M-7.3% YoY

Lower average cost of debt (6.8% vs 7.2%) and reduced average outstanding debt balance.

Operating expenses$275.3M-5.4% YoY

Lower general and administrative costs and salaries, partially offset by higher sales and marketing investment.

Provision for claims$33.9M-5.6% YoY

Incurred-but-not-reported claims on reinsured vehicle service contracts.

Margins: Operating margin improved substantially with provision for credit losses declining 10.7% YoY, reflecting more stable Consumer Loan performance trends and timing adjustments. Interest expense also declined 7.3% due to lower debt costs and reduced leverage, supporting overall profitability expansion despite modest revenue growth.

Watch Items from the Filing

Forecasted net cash flows declined $48.2M (0.4%) in H1 2026 vs $76.7M (0.7%) in H1 2025; Consumer Loans assigned 2021–2024 show cumulative underperformance of 0.2–8.8% vs initial forecast.
Consumer Loan assignment volume declined 2.8% YoY to 180,607 units; dollar volume down 2.0% to $2.1B despite monthly unit volume returning to YoY growth in June and continuing into July.
Purchased Loans represent 34.8% of dollar volume as of June 30, 2026 (up from 27.6% at Dec 31, 2025), creating higher provision burden per assignment but less Dealer Holdback mitigation.
Settlement discussions ongoing for New York AG and multi-state regulatory matters; preliminary alignment reached on $75.5M cash payment; parties agreed on material settlement terms as of June 6, 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$587.4M

Net Income

Q2 2026

$135.9M

Free Cash Flow

Q2 2026

$307.9M

ROIC

Q2 2026

42.4%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+7.2% YoY

$2.32BFY 2025

FY22 $1.83BFY23 $1.90BFY24 $2.16BFY25 $2.32B

Net Income

+71.0% YoY

$423.9MFY 2025

FY22 $535.8MFY23 $286.1MFY24 $247.9MFY25 $423.9M

EPS (Diluted)

+83.0% YoY

$36.38FY 2025

FY22 $39.32FY23 $21.99FY24 $19.88FY25 $36.38

Total Assets

-2.5% YoY

$8.63BFY 2025

FY22 $6.90BFY23 $7.61BFY24 $8.85BFY25 $8.63B

Op. Cash Flow

-7.3% YoY

$1.05BFY 2025

FY22 $1.24BFY23 $1.20BFY24 $1.14BFY25 $1.05B

Free Cash Flow

-7.3% YoY

$1.05BFY 2025

FY22 $1.24BFY23 $1.20BFY24 $1.14BFY25 $1.05B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$2.32B +7.2%	$2.16B +13.7%	$1.90B +3.8%	$1.83B -1.3%	$1.86B +11.2%	$1.67B
Net Income	$423.9M +71.0%	$247.9M -13.4%	$286.1M -46.6%	$535.8M -44.1%	$958.3M +127.6%	$421.0M
EPS (Diluted)	$36.38 +83.0%	$19.88 -9.6%	$21.99 -44.1%	$39.32 -33.9%	$59.52 +153.6%	$23.47
Total Assets	$8.63B -2.5%	$8.85B +16.4%	$7.61B +10.2%	$6.90B -2.1%	$7.05B -5.8%	$7.49B
Operating Cash Flow	$1.05B -7.3%	$1.14B -5.5%	$1.20B -2.8%	$1.24B +15.8%	$1.07B +8.5%	$985.2M
Free Cash Flow	$1.05B -7.3%	$1.14B -5.3%	$1.20B -2.9%	$1.24B +16.4%	$1.06B +8.7%	$976.7M

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Available Research

13F Pro tracks comprehensive data for CREDIT ACCEPTANCE CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CACC

Prescott General Partners LLC
$915.0M1,436,951 sh
BlackRock, Inc.
$408.8M642,097 sh
Boston Partners
$365.1M573,616 sh
GOBI CAPITAL LLC
$228.0M358,067 sh
BECK MACK & OLIVER LLC
$194.8M305,983 sh
WELLINGTON MANAGEMENT GROUP LLP
$165.6M260,084 sh
DIMENSIONAL FUND ADVISORS LP
$151.2M237,444 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$143.4M225,244 sh
Universal- Beteiligungs- und Servicegesellschaft mbH
$136.1M213,684 sh
VANGUARD CAPITAL MANAGEMENT LLC
$132.7M208,412 sh

Fund	Value	Shares
Prescott General Partners LLC	$915.0M	1,436,951
BlackRock, Inc.	$408.8M	642,097
Boston Partners	$365.1M	573,616
GOBI CAPITAL LLC	$228.0M	358,067
BECK MACK & OLIVER LLC	$194.8M	305,983
WELLINGTON MANAGEMENT GROUP LLP	$165.6M	260,084
DIMENSIONAL FUND ADVISORS LP	$151.2M	237,444
VANGUARD PORTFOLIO MANAGEMENT LLC	$143.4M	225,244
Universal- Beteiligungs- und Servicegesellschaft mbH	$136.1M	213,684
VANGUARD CAPITAL MANAGEMENT LLC	$132.7M	208,412

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Is CACC a good stock to buy?

13F Pro's AI-powered analysis of CREDIT ACCEPTANCE CORP (CACC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CACC are available on the CACC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CACC is classified as a mid company.

Which hedge funds own CACC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CACC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CREDIT ACCEPTANCE CORP's investment landscape.