CREDIT ACCEPTANCE CORP
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $2.32B | $2.16B | $1.90B | $1.83B | $1.86B | $1.67B |
| Operating income | — | — | — | — | — | — |
| Net income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M | $421.0M |
| Total assets | $8.63B | $8.85B | $7.61B | $6.90B | $7.05B | $7.49B |
| Total liabilities | $7.11B | $7.11B | $5.86B | $5.28B | $5.23B | $5.19B |
| Equity | $1.52B | $1.75B | $1.75B | $1.62B | $1.82B | $2.30B |
| EPS (diluted) | $36.38 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 |
| Shares out. | 12.0M | 12.3M | 12.8M | 14.1M | 16.8M | 18.2M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 18.3%
- Return on equity
- 27.8%
- Return on assets
- 4.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 82.3%
- Debt / equity
- 4.67×
- Book value / share
- $126.63
- Revenue growth (YoY)
- 7.2%
- Net income growth (YoY)
- 71.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −7.3%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 4 good- High leverage (liabilities > 70% of assets)
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Neary John PPassive (13G)May 15, 2026
- Boston PartnersPassive (13G)May 14, 2026
- Ruane, Cunniff & Goldfarb L.P.Passive (13G)Feb 12, 2026
- Prescott General Partners LlcActivist (13D)Jul 7, 2025
- Donald A. Foss 2009 Annuity TrustActivist (13D)Dec 6, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Elliott Nicholas JOfficer — Chief Transformation Officer | May 18, 2026 | Option exercise | 1,815 | $333.94 |
| Martin Jay DOfficer — Chief Financial Officer | May 18, 2026 | Option exercise | 1,561 | $333.94 |
| Rummler Wendy AOfficer — Chief People Officer | May 18, 2026 | Option exercise | 1,994 | $333.94 |
| Kerber Erin JOfficer — Chief Legal Officer | May 18, 2026 | Option exercise | 1,903 | $333.94 |
| Booth KennethDirector | May 18, 2026 | Option exercise | 4,000 | $333.94 |
| Booth KennethDirector | May 14, 2026 | Option exercise | 2,000 | $333.94 |
| Valiyaveettil Ravi MohanOfficer — Chief Technology Officer | May 6, 2026 | Sell | 1,262 | $550.00 |
| Kerber Erin JOfficer — Chief Legal Officer | May 6, 2026 | Option exercise | 1,753 | $333.94 |
| Elliott Nicholas JOfficer — Chief Transformation Officer | May 6, 2026 | Option exercise | 1,672 | $333.94 |
| Rummler Wendy AOfficer — Chief People Officer | May 6, 2026 | Option exercise | 2,068 | $333.94 |
| Martin Jay DOfficer — Chief Financial Officer | May 6, 2026 | Option exercise | 1,439 | $333.94 |
| Lum JonathanOfficer — Chief Operating Officer | May 6, 2026 | Option exercise | 4,000 | $333.94 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1.0M | 6.0 | +9.1% |
| Apr 30, 2026 | 924,331 | 6.9 | -7.9% |
| Apr 15, 2026 | 1.0M | 7.1 | -4.3% |
| Mar 31, 2026 | 1.0M | 6.5 | -6.7% |
| Mar 13, 2026 | 1.1M | 3.8 | +2.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Entered a material agreement · New financial obligation · Other material eventMay 11, 2026
- Results of operationsMay 5, 2026
- Regulation FD disclosureApr 3, 2026
- Results of operationsJan 29, 2026
- Director / officer changeJan 26, 2026
- Entered a material agreement · Other material eventJan 20, 2026
- Entered a material agreement · New financial obligation · Other material eventNov 19, 2025
- Results of operationsOct 30, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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