Credit and interest ratesmixed · 5 filings
“The decrease in interest expense of $17.0 million, or 7.3%, was due to decreases in our average cost of debt and average outstanding debt balance.”10-Q · Aug 4, 2026 ↗
Credit Acceptance Corporation
CACC
Market read
Credit Acceptance Corporation's current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 1 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Company+1.1% todayVolume comparison unavailable
Market group0 of 1 activeAuto Lending · unavailable
Disclosed network0 of 1 confirmingNo filing-linked name is confirming now
What would change this read
Watch this read- Interest expense decreased $6.3M (5.5%) due to lower average cost of debt and lower average outstanding debt balance.
Invalidation: The isolated read changes if CACC's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 1 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 1 directly disclosed connection is confirming.
Evidence that supports
No thresholded supportive filing evidence is available yet.
Evidence that challenges
No thresholded adverse filing evidence is available yet.
What would clarify the read
- Interest expense decreased $6.3M (5.5%) due to lower average cost of debt and lower average outstanding debt balance.
Company research
Understand the business, not just the ticker
Business model and earnings drivers
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
Key research questions
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
Annual periods9
Price observations327
Usable filing statements83
Verified relationships1
Evidence supporting the case
- Latest annual revenue changed +7.2% year over year.
- Net margin changed +6.8 percentage points in the latest annual period.
Evidence challenging the case
- Credit and interest rates has repeated adverse evidence across 5 filings.
Questions before a position
No credible peer-relative valuation comparison is available yet.
Longer-term price context
Price as of Sep 10, 2026
604.926m+21.0%12m+16.6%24m—
Annual trajectory
Reported annual revenue and per-share history. This is accounting history, not a forecast.
PeriodRevenueYoYDiluted EPSShare change
2021-12-31$1.9B+11.2%$59.52-10.2%
2022-12-31$1.8B-1.3%$39.32-15.4%
2023-12-31$1.9B+3.8%$21.99-4.5%
2024-12-31$2.2B+13.7%$19.88-4.2%
2025-12-31$2.3B+7.2%$36.38-6.6%
What management says matters
Persistent and emerging business drivers
Product pipeline and R&Dnegative · 1 filings
“The decrease was primarily due to (i) a research and development tax credit recognized in 2026, (ii) a decrease in state and local income taxes due to a decrease in the proportion of our consolidated net income reserved for uncertain tax positions, and (iii)…”10-Q · Aug 4, 2026 ↗
Valuation discipline
Peer-relative valuation withheld
Jodie found no industry-matched filing peers suitable for a valuation comparison. It will not substitute broader financial-sector names.
Scenario scaffold
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
604.92+1.1% today
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for CACC. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for CACC. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind CACC
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depended on by
KMXCarMax, Inc.partnerApr 15, 2026 ▾
“As of February 28, 2026, our network of third-party finance providers included Ally Financial, American Credit Acceptance, Bank of America, Capital One Auto Finance, Exeter Finance Corp., Santander Consumer USA and Westlake Financial Services.”
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
CACC is currently a Leader in the organic co-movement group Auto Lending. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 1 filing-linked name are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for CACC; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.