Credit Acceptance Corporation filings document the regulatory record for a Nasdaq-listed consumer finance company with common stock registered under the ticker CACC. Its disclosures cover operating results, non-GAAP adjusted income measures, loan portfolio performance, forecasted future collections, dealer holdback payments, and risks tied to the automobile finance market and non-prime consumer credit.
The company's SEC filings also include material-event reports on asset-backed non-recourse secured financings, amendments to loan and security agreements, and trust or special purpose entity structures used to convey consumer loans and issue notes. Proxy materials document board matters, executive compensation, incentive plan information, shareholder voting items, and governance practices, while 8-K filings record officer transitions, Regulation FD materials, and other capital-structure or financing events.
Credit Acceptance Corporation furnished an investor presentation and detailed shareholder letter outlining its 2025 performance and strategy. GAAP net income per diluted share rose to $36.38, an 83.0% increase, with return on equity of 25.9%, driven by higher average loan portfolio balance and yield and a smaller decline in loan performance.
On an adjusted basis, net income was $477.0 million and adjusted EPS was $40.95, up 5.2%, helped by a 6.6% reduction in weighted average diluted shares from buybacks. Economic Profit was $173.3 million, and Economic Profit per share declined 10.3%, reflecting higher imputed equity costs. Loan unit volume fell 12.6% to 337,411, while active dealers reached a record 15,745. The company highlighted technology and AI investments, disciplined pricing, $712 million of share repurchases in 2025, strong liquidity with $1.3 billion of unused revolver capacity, and progress toward resolving long-running regulatory and litigation matters.
Company CACC submitted a Form 144 notice indicating proposed sales of Common shares. The filing lists 9,450 shares under a securities-to-be-sold line and records a prior sale of 29,576 shares on 02/04/2026. The broker listed is UBS Financial Services Inc.
Credit Acceptance Corp executive Steffen Schumann, the company’s Chief Business Officer, filed an initial ownership report on common stock. The filing shows direct ownership of 19,232 shares of common stock following the reported position, giving investors a baseline view of his equity stake.
CACC Form 144 notice lists an intended sale of 691 common shares (from options granted 12/30/2020) to be sold on 03/05/2026 on NASDAQ for cash. The filing also itemizes recent open-market dispositions by Daniel A. Ulatowski and the D.& B. Ulatowski Living Trust on multiple dates, including trades on 12/10/2025, 01/30/2026, and several dates in February 2026.
Ruane, Cunniff & Goldfarb L.P. reports beneficial ownership of 536,132 shares of Credit Acceptance Corporation common stock, representing 4.9% of the outstanding class. The firm has sole voting power over 534,520 shares and sole dispositive power over 536,132 shares, with no shared voting or dispositive power.
Ruane, Cunniff & Goldfarb L.P., a Delaware investment adviser, states that the shares were acquired and are held in the ordinary course of business, not for the purpose of changing or influencing control of Credit Acceptance. The reporting persons also formally disclaim beneficial ownership beyond their pecuniary interest.
Credit Acceptance Corporation (CACC) insider activity: a notice under Rule 144 has been filed for the planned sale of 2,070 shares of common stock through Fidelity Brokerage Services LLC, with an aggregate market value of 1060632.50. The shares relate to an option granted on 12/30/2020 and acquired on 02/12/2026 for cash. The filing also lists multiple recent sales of CACC common stock over the past three months by Daniel Ulatowski and the D.& B. Ulatowski Living Trust, including several transactions in December 2025 and February 2026 on NASDAQ.
LUM JONATHAN reported acquisition or exercise transactions in a Form 4 filing for CACC. The filing lists transactions totaling 893 shares. Following the reported transactions, holdings were 31,609 shares.
Credit Acceptance Corp’s Chief Transformation Officer, Nicholas J. Elliott, reported an equity award on Common Stock. On February 9, 2026, he acquired 2,492 shares at $0 as a grant, increasing his directly held stake to 20,897.3 shares.
He also reports 13,950 Employee Stock Options with a $333.94 exercise price, exercisable until December 30, 2026. In addition, 316 shares of Common Stock are held indirectly through the Credit Acceptance Stock Fund in the company’s 401(k) Profit Sharing Plan and Trust as of January 29, 2026.