CACC · Credit Acceptance Corporation — research history
Complete research history. Every dossier, draft, kill, publish, and lesson the system has produced on CACC. Public so users can audit, AI can re-reference. Live price refreshes every 60s.
About CACC · Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
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BUY (score +6) · 12-1 mom 7.5% · RSI 64.1 · above_both · 0.0% from high
Targets blend Wall Street consensus (3 analysts: low $500.00 / mean $536.67 / high $560.00) with chart-derived floors and ceilings.
1-Year Chart · RSI · MACD
Research Timeline
Newest first. Each entry shows what stage produced it, the verdict/decision, and the reasoning.
Deep investigation into CACC reveals that the recent Form 4 cluster triggering this dossier consists entirely of M+S (option-exercise + immediate sale) combinations at $333.94 strike, all covered by pre-planned Rule 10b5-1(c) trading plans — not open-market purchase intent signals from management. The May 2026 transactions represent executives liquidating vested equity compensation near the stock's all-time high ($565). One pure S (open-market sale only) was identified for CTO Ravi Valiyaveettil on 05/06, but zero P-code (direct open-market buy) trades appear in recent filings. The company is operationally strong with a 10.2x forward P/E, Q1 2026 beat, and $450M ABS deal completion, but the stock is at/near its 52-week high ($557 vs $565). No material edge was identified — no mispricing, no genuine insider conviction cluster, and limited near-term upside catalysts given elevated valuation at a cyclical peak for subprime auto.