CACCNasdaqPersonal Credit InstitutionsFiscal year ends December 31
CREDIT ACCEPTANCE CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$534.20−6.78 (-1.25%)
Close on Oct 19, 2026
- Market cap
- $5.73B
- P/E (TTM)
- 11.7
- Dividend yield
- –
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
73.2%
8M of 10M shares
Institutional holders
298
75 new, 32 sold out
Net institutional buying
1M
In Q2 2026
Insider trades, 12 months
0 buys · 235 sales
Net sold $86.76M
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981 | 652,797 | 6.30% | 13G (passive) amendment | Jun 30, 2026 |
| BlackRock, Inc. | 629,737 | 6.00% | 13G (passive) | Jun 30, 2026 |
| Boston Partners | 546,832 | 5.09% | 13G (passive) | Mar 31, 2026 |
| Allan V. Apple, not individually but solely in capacity as trustee | 2,070,944 | 19.80% | 13D (active) amendment | Jun 5, 2026 |
| Jill Foss Watson | 1,519,309 | 14.50% | 13D (active) amendment | Jun 5, 2026 |
| Prescott General Partners LLC | 1,427,060 | 13.60% | 13D (active) amendment | Jul 2, 2026 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of CACC | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| Prescott General Partners LLC | 1,436,951 | 13.84% | $914.96M | – | 46.75% |
| BlackRock, Inc. | 642,097 | 6.19% | $408.85M | +410,464 | 0.01% |
| Boston Partners | 573,616 | 5.53% | $365.10M | +13,408 | 0.32% |
| Gobi Capital LLC | 358,067 | 3.45% | $228.00M | – | 10.70% |
| Beck Mack & Oliver LLC | 305,983 | 2.95% | $194.83M | −3,001 | 3.80% |
| Wellington Management Group Llp | 260,084 | 2.51% | $165.61M | +1,186 | 0.03% |
| Dimensional Fund Advisors LP | 237,444 | 2.29% | $151.19M | +6,729 | 0.03% |
| Vanguard Portfolio Management LLC | 225,244 | 2.17% | $143.42M | +52,857 | 0.01% |
| Universal- Beteiligungs- und Servicegesellschaft mbH | 213,684 | 2.06% | $136.06M | −17,647 | 0.21% |
| Vanguard Capital Management LLC | 208,412 | 2.01% | $132.70M | −4,619 | 0.00% |
| Smead Capital Management, Inc. | 198,808 | 1.92% | $126.59M | −11,662 | 2.72% |
| State Street Corp | 176,917 | 1.70% | $112.65M | +82,655 | 0.00% |
| Goldman Sachs Group Inc | 169,014 | 1.63% | $107.62M | +106,740 | 0.01% |
| FMR LLC | 162,447 | 1.56% | $103.44M | +58,190 | 0.00% |
| UBS Group AG | 153,563 | 1.48% | $97.78M | +90,994 | 0.01% |
| Axxion S.A. | 140,739 | 1.36% | $89.61M | New | 6.38% |
| American Century Companies Inc | 119,230 | 1.15% | $75.92M | +27,494 | 0.03% |
| RV Capital AG | 108,272 | 1.04% | $68.94M | −15,888 | 18.01% |
| Goodnow Investment Group, LLC | 106,131 | 1.02% | $67.58M | −10,240 | 7.01% |
| Northern Trust Corp | 103,975 | 1.00% | $66.21M | +15,071 | 0.01% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 298 | 8M | 73.2% | 75 / 101 | 87 / 32 | 1M | 1M |
| Q1 2026 | 258 | 7M | 65.6% | 48 / 88 | 80 / 32 | 1M | 2M |
| Q4 2025 | 248 | 8M | 75.7% | 37 / 59 | 102 / 40 | 1M | 0M |
| Q3 2025 | 254 | 8M | 73.2% | 30 / 76 | 100 / 47 | 1M | 1M |
| Q2 2025 | 272 | 8M | 72.6% | 36 / 99 | 91 / 28 | 0M | 1M |
| Q1 2025 | 266 | 8M | 74.3% | 48 / 88 | 75 / 26 | 0M | 1M |
| Q4 2024 | 246 | 8M | 75.9% | 46 / 79 | 68 / 30 | 1M | 1M |
| Q3 2024 | 232 | 8M | 76.8% | 30 / 77 | 73 / 28 | 1M | 0M |
| Q2 2024 | 231 | 8M | 76.9% | 25 / 72 | 77 / 51 | 0M | 0M |
| Q1 2024 | 262 | 8M | 78.6% | 50 / 65 | 86 / 13 | 0M | 1M |
| Q4 2023 | 226 | 8M | 79.6% | 35 / 74 | 69 / 16 | 1M | 0M |
| Q3 2023 | 209 | 7M | 72.1% | 16 / 65 | 78 / 30 | 0M | 1M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of CACC | Value | % of fund | As of |
|---|---|---|---|---|---|
| iShares Core S&P Small-Cap ETF | 352,911 | 3.40% | $224.71M | 0.20% | Jun 30, 2026 |
| Disciplined Value Mid Cap Fund | 293,739 | 2.83% | $187.04M | 0.81% | Jun 30, 2026 |
| Smead Value Fund | 164,866 | 1.59% | $94.57M | 2.43% | May 29, 2026 |
| Vanguard Total Stock Market Index Fund | 132,275 | 1.27% | $84.22M | 0.00% | Jun 30, 2026 |
| Vanguard Small-Cap Index Fund | 95,889 | 0.92% | $61.06M | 0.03% | Jun 30, 2026 |
| Avantis U.S. Small Cap Value ETF | 93,297 | 0.90% | $53.52M | 0.20% | May 31, 2026 |
| Fidelity Value Fund | 83,000 | 0.80% | $47.22M | 0.45% | Jul 31, 2026 |
| Vanguard Extended Market Index Fund | 67,171 | 0.65% | $42.77M | 0.04% | Jun 30, 2026 |
| Vanguard Small-Cap Growth Index Fund | 55,424 | 0.53% | $35.29M | 0.08% | Jun 30, 2026 |
| State Street(R) SPDR(R) Portfolio S&P 600(TM) Small Cap ETF | 53,883 | 0.52% | $34.31M | 0.20% | Jun 30, 2026 |
| U.S. Small Cap Portfolio | 41,486 | 0.40% | $23.60M | 0.12% | Jul 31, 2026 |
| Dimensional U.S. Small Cap ETF | 36,279 | 0.35% | $20.64M | 0.13% | Jul 31, 2026 |
| MIG Core ETF | 31,248 | 0.30% | $17.93M | 2.36% | May 31, 2026 |
| Fidelity Extended Market Index Fund | 30,929 | 0.30% | $17.74M | 0.04% | May 31, 2026 |
| NYLIM WMC Enduring Capital Fund | 30,445 | 0.29% | $17.32M | 5.08% | Jul 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Vinayak Hegde | Chief Executive Officer, Director | 140,502 | 1.35% | Nov 17, 2025 |
| Joseph Billante III | Chief Financial Officer | 26,223 | 0.25% | Jul 31, 2026 |
| Steffen Schumann | Chief Business Officer | 22,726 | 0.22% | Jul 8, 2026 |
| Nicholas J. Elliott | Chief Transformation Officer | 22,223 | 0.21% | Jun 30, 2026 |
| Erin J. Kerber | Chief Legal Officer | 27,337 | 0.26% | Jun 30, 2026 |
| Jonathan Lum | Chief Operating Officer | 31,609 | 0.30% | Jun 26, 2026 |
| Jay D. Martin | Chief Financial Officer | 28,963 | 0.28% | Jun 26, 2026 |
| Wendy A. Rummler | Chief People Officer | 23,907 | 0.23% | May 20, 2026 |
| Ravi Mohan Valiyaveettil | Chief Technology Officer | 25,985 | 0.25% | May 8, 2026 |
| Andrew K. Rostami | Chief Mktg and Product Officer | 23,091 | 0.22% | Apr 21, 2026 |
| Arthur L. Smith | Chief Analytics Officer | 27,894 | 0.27% | Feb 3, 2026 |
| Daniel A. Ulatowski | Chief Sales Officer | 31,338 | 0.30% | Feb 3, 2026 |
| Douglas W. Busk | Chief Treasury Officer | 6,112 | 0.06% | Mar 27, 2025 |
| Sean Edward Quinn | Director | 1,544 | 0.01% | Jun 12, 2026 |
| Glenda J. Flanagan | Director | 18,024 | 0.17% | Jun 12, 2026 |
| Kenneth Booth | Director | 23,869 | 0.23% | Jun 12, 2026 |
| Thomas N. Tryforos | Director | 101,952 | 0.98% | Jun 12, 2026 |
| Scott J. Vassalluzzo | Director, 10% owner | 68,516 | 0.66% | Jun 12, 2026 |
| Jill Foss Watson | 10% owner | 47,912 | 0.46% | Jul 20, 2026 |
| General Partners LLC Prescott | 10% owner | 1,492,050 | 14.37% | Jul 7, 2026 |
| Thomas W. Smith | 10% owner | 771,479 | 7.43% | May 14, 2025 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Jill Foss Watson 10% owner | Jul 16, 2026 | Sale | −457 | $641.31 | $293.08K | 47,912 |
| Jill Foss Watson 10% owner | Jul 16, 2026 | Sale | −977 | $640.15 | $625.43K | 48,369 |
| Jill Foss Watson 10% owner | Jul 16, 2026 | Sale | −2 | $642.08 | $1.28K | 47,910 |
| General Partners LLC Prescott 10% owner | Jul 2, 2026 | Other | −9,891 | $655.72 | $6.49M | 901,241 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −53 | $648.68 | $34.38K | 91,870 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −184 | $646.77 | $119.01K | 91,923 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −413 | $649.76 | $268.35K | 91,457 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −447 | $650.92 | $290.96K | 91,010 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −102 | $652.70 | $66.58K | 49,346 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −562 | $651.94 | $366.39K | 49,448 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −1,203 | $650.66 | $782.74K | 50,010 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −1,503 | $649.38 | $976.02K | 51,213 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −1,130 | $648.32 | $732.60K | 52,716 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −80 | $666.22 | $53.30K | 85,607 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −81 | $665.28 | $53.89K | 85,687 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −813 | $664.11 | $539.92K | 85,768 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −503 | $663.28 | $333.63K | 86,581 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −181 | $661.67 | $119.76K | 87,084 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −156 | $659.02 | $102.81K | 87,265 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −175 | $657.11 | $114.99K | 87,421 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −869 | $654.76 | $568.99K | 87,596 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −819 | $653.79 | $535.45K | 88,465 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −689 | $653.08 | $449.97K | 89,284 |
| Jill Foss Watson 10% owner | Jul 2, 2026 | Sale | −1,037 | $651.80 | $675.92K | 89,973 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −683 | $628.94 | $429.57K | 21,898 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Option exercise | +2,306 | $333.94 | $770.07K | 23,203 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −173 | $625.29 | $108.18K | 23,030 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −449 | $627.44 | $281.72K | 22,581 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −17 | $629.78 | $10.71K | 21,881 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −360 | $631.29 | $227.26K | 21,521 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −324 | $632.81 | $205.03K | 21,197 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −120 | $634.83 | $76.18K | 20,897 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −180 | $633.93 | $114.11K | 21,017 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −1,000 | $631.49 | $631.49K | 27,094 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −305 | $629.83 | $192.10K | 28,094 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −785 | $627.71 | $492.75K | 29,668 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −581 | $627.12 | $364.36K | 30,453 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −397 | $625.37 | $248.27K | 31,034 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Option exercise | +3,303 | $454.11 | $1.50M | 31,431 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Option exercise | +2,417 | $333.94 | $807.13K | 28,128 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −1,143 | $632.63 | $723.10K | 25,951 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −240 | $634.57 | $152.30K | 25,711 |
| Erin J. Kerber Chief Legal Officer | Jun 26, 2026 | Sale(10b5-1 plan) | −1,269 | $628.93 | $798.11K | 28,399 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −240 | $629.95 | $151.19K | 25,711 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −183 | $628.73 | $115.06K | 25,951 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −114 | $627.68 | $71.56K | 26,134 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −634 | $626.42 | $397.15K | 26,248 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −526 | $625.53 | $329.03K | 26,882 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Option exercise | +1,697 | $454.11 | $770.62K | 27,408 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −360 | $629.39 | $226.58K | 25,711 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −240 | $628.26 | $150.78K | 26,071 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −25 | $627.51 | $15.69K | 26,311 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −278 | $626.87 | $174.27K | 26,336 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −337 | $625.40 | $210.76K | 26,614 |
| Erin J. Kerber Chief Legal Officer | Jun 25, 2026 | Option exercise | +1,240 | $333.94 | $414.09K | 26,951 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 25, 2026 | Option exercise | +1,183 | $333.94 | $395.05K | 22,080 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −547 | $625.39 | $342.09K | 21,533 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −132 | $626.00 | $82.63K | 21,401 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −24 | $627.80 | $15.07K | 21,377 |
| Nicholas J. Elliott Chief Transformation Officer | Jun 25, 2026 | Sale(10b5-1 plan) | −240 | $628.25 | $150.78K | 21,137 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Corvid 2024 Trust Eidolon Member of immediate family of any of the foregoing | Oct 6, 2026 | 15,000 | $8.03M | Oct 6, 2026 | GRAT Remainder |
| Foss Watson Living Trust Jill Stakeholder | Sep 25, 2026 | 12,000 | $6.66M | Sep 25, 2026 | GRAT Remainder |
| Foss Watson 2014 Children's Trust FBO Duncan Todd Watson Jill Member of immediate family of any of the foregoing | Sep 25, 2026 | 5,568 | $3.09M | Sep 25, 2026 | GRAT Remainder |
| Foss Watson 2014 Children's Trust FBO Gwyneth Ellen Watson Jill Member of immediate family of any of the foregoing | Sep 25, 2026 | 6,105 | $3.39M | Sep 25, 2026 | GRAT Remainder |
| Foss Watson Irrevocable Trust Jill Member of immediate family of any of the foregoing | Sep 25, 2026 | 14,064 | $7.81M | Sep 25, 2026 | GRAT Remainder |
| Kenneth Booth Former Director | Sep 3, 2026 | 10,000 | $6.16M | Sep 3, 2026 | Stock Option Exercise |
| Kenneth Booth Former Director | Sep 2, 2026 | 2,500 | $1.51M | Sep 2, 2026 | Stock Option Exercise |
| Kenneth Booth Former Director | Aug 21, 2026 | 1,453 | $855.82K | Aug 21, 2026 | Stock Option Exercise |
| Kenneth Booth Former Director | Aug 21, 2026 | 2,500 | $1.51M | Aug 21, 2026 | Stock Option Exercise |
| Kenneth Booth Former Director | Aug 6, 2026 | 2,547 | $1.51M | Aug 6, 2026 | Stock Option Exercise |
| Corvid 2024 Trust Eidolon Member of immediate family of any of the foregoing | Jul 9, 2026 | 15,000 | $9.30M | Jul 9, 2026 | GRAT Remainder |
| Apple Trustee Donald A. Foss Remainder Trust FBO Jordon Joseph Davis Foss Allan Stakeholder | Jul 7, 2026 | 20,000 | $13.00M | Jul 7, 2026 | GRAT Remainder |
| Apple Trustee Donald A. Foss Remainder Trust FBO Samantha D. Foss Allan Stakeholder | Jul 7, 2026 | 20,000 | $13.00M | Jul 7, 2026 | GRAT Remainder |
| V. Apple Allan 10% Stockholder | Jul 2, 2026 | 50,000 | $32.86M | Jul 2, 2026 | Founders Shares |
| A. Rummler Rev Trust Wendy Former Officer but resigned 5/25/26 | Jul 1, 2026 | 500 | $323.22K | Jul 1, 2026 | Restricted Stock Vesting Under a Registered Plan |