# Credit Acceptance Corp (CACC)

> Cited company facts from SEC filings, by Steadybase. Web page: https://steadybase.io/company/credit-acceptance-corp/ JSON: https://steadybase.io/company/credit-acceptance-corp.json Checked Nov 10, 2026. Latest filing read: Oct 29, 2026.

## Company

- Legal name: CREDIT ACCEPTANCE CORP
- Ticker: CACC (Nasdaq)
- SEC CIK: 0000885550
- Industry: Personal Credit Institutions (SIC 6141)
- Headquarters: Southfield, MI
- Fiscal year ends: December 31
- SEC filer category: Large accelerated filer
- Website: creditacceptance.com
- LinkedIn: https://www.linkedin.com/company/credit-acceptance
- Next earnings date: Jan 28, 2027 (estimated from past 8-K timing)

## Key facts

- Revenue: $2.3B for the fiscal year ended Dec 31, 2025 (10-K filed Feb 13, 2026). Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/0000885550-26-000047-index.html
- Net income: $423.9M for the fiscal year ended Dec 31, 2025 (10-K filed Feb 13, 2026). Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/0000885550-26-000047-index.html
- SG&A: $262.8M for the fiscal year ended Dec 31, 2025 (10-K filed Feb 13, 2026). Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/0000885550-26-000047-index.html
- Employees: 2,314 as of , as reported in an SEC filing. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/cacc-20251231.htm
- Shares outstanding: 10,137,465 as of Oct 22, 2026 (10-Q filed Oct 29, 2026). Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000201/0000885550-26-000201-index.html
- Auditor: Grant Thornton LLP, Southfield, Michigan, named in the latest 10-K. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/cacc-20251231.htm

## Business

Credit Acceptance Corporation (referred to as the “Company”, “Credit Acceptance”, “we”, “our” or “us”) makes vehicle ownership possible by providing innovative financing solutions that enable automobile dealers to sell vehicles to consumers, regardless of their credit history.

Source: Item 1. Business, https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/cacc-20251231.htm

## Annual results

| Fiscal year ended | Revenue | Net income | SG&A |
|---|---|---|---|
| Dec 31, 2025 | $2.3B | $423.9M | $262.8M |
| Dec 31, 2024 | $2.2B | $247.9M | $192.3M |
| Dec 31, 2023 | $1.9B | $286.1M | $178.9M |
| Dec 31, 2022 | $1.8B | $535.8M | $164.3M |
| Dec 31, 2021 | $1.9B | $958.3M | $165.6M |

Each figure comes from the annual report for that year. Filing links for every figure: https://steadybase.io/company/credit-acceptance-corp.json

## Officers and directors

- Vinayak Hegde, Chief Executive Officer. Source: 8-K filed Oct 29, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000200/caccq32026earningsrelease.htm
- Joseph Billante III, Chief Financial Officer. LinkedIn: https://linkedin.com/in/joebillante. Source: Form 3 filed Jul 31, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000177/0000885550-26-000177-index.htm
- Jay D. Martin, Chief Financial Officer. LinkedIn: https://www.linkedin.com/in/jay-martin-600a40393. Source: Form 4 filed Jun 26, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000160/0000885550-26-000160-index.htm
- Joseph Billante, Chief Financial Officer. Source: 8-K filed Jun 10, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000130/cacc-20260605.htm
- Jonathan Lum, Chief Operating Officer. Source: Form 4 filed Jun 26, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000162/0000885550-26-000162-index.htm
- Steffen Schumann, Chief Business Officer. LinkedIn: https://linkedin.com/in/steffen-schumann-8092081. Source: Form 4 filed Jul 8, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000168/0000885550-26-000168-index.htm
- Erin J. Kerber, Chief Legal Officer. LinkedIn: https://linkedin.com/in/erin-kerber-153926151. Source: Form 4 filed Jun 30, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000165/0000885550-26-000165-index.htm
- Nicholas J. Elliott, Chief Transformation Officer. Source: Form 4 filed Jun 30, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000166/0000885550-26-000166-index.htm
- Wendy A. Rummler, Chief People Officer. LinkedIn: https://linkedin.com/in/wendy-rummler-69777611. Source: Form 4 filed May 20, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000108/0000885550-26-000108-index.htm
- Ravi Mohan Valiyaveettil, Chief Technology Officer. Source: Form 4 filed May 8, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000095/0000885550-26-000095-index.htm
- Andrew K. Rostami, Chief Mktg and Product Officer. Source: Form 4 filed Apr 21, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000061/0000885550-26-000061-index.htm
- Arthur L. Smith, Chief Analytics Officer. Source: Form 4 filed Feb 3, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000025/0000885550-26-000025-index.htm
- Daniel A. Ulatowski, Chief Sales Officer. Source: Form 4 filed Feb 3, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000028/0000885550-26-000028-index.htm
- Prescott General Partners LLC, affiliates. Source: 10-K filed Feb 13, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/cacc-20251231.htm
- Jonathan L. Lum, Named in proxy. LinkedIn: https://linkedin.com/in/jonathan-lum-252049b. Source: DEF 14A filed Apr 28, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000073/cacc-20260428.htm
- Ravi Mohan, Chief Technology Officer. LinkedIn: https://linkedin.com/in/ravimohansprofile. Source: DEF 14A filed Apr 28, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000073/cacc-20260428.htm
- Vinayak R. Hegde, Board member (per proxy). Source: DEF 14A filed Apr 28, 2026, https://www.sec.gov/Archives/edgar/data/885550/000088555026000073/cacc-20260428.htm

## Recent 8-K events

- Oct 29, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000200/cacc-20261029.htm
- Sep 21, 2026: Item 1.01, Entry into a material definitive agreement; Item 2.03, Creation of a direct financial obligation; Item 8.01, Other events; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000195/cacc-20260915.htm
- Sep 18, 2026: Item 1.01, Entry into a material definitive agreement; Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000192/cacc-20260917.htm
- Sep 4, 2026: Item 5.02, Departure or appointment of directors or officers; compensation. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000189/cacc-20260903.htm
- Aug 25, 2026: Item 1.01, Entry into a material definitive agreement; Item 2.03, Creation of a direct financial obligation; Item 8.01, Other events; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000185/cacc-20260820.htm
- Aug 4, 2026: Item 2.02, Results of operations and financial condition (earnings release); Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000181/cacc-20260804.htm
- Jul 24, 2026: Item 5.02, Departure or appointment of directors or officers; compensation. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000173/cacc-20260720.htm
- Jul 22, 2026: Item 5.02, Departure or appointment of directors or officers; compensation. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000170/cacc-20260721.htm
- Jun 15, 2026: Item 1.01, Entry into a material definitive agreement; Item 2.03, Creation of a direct financial obligation; Item 8.01, Other events; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000147/cacc-20260609.htm
- Jun 10, 2026: Item 5.02, Departure or appointment of directors or officers; compensation; Item 7.01, Regulation FD disclosure; Item 9.01, Financial statements and exhibits. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000130/cacc-20260605.htm

## Insider trades (Form 4)

- Nov 2, 2026: Thomas N. Tryforos (Director) bought 3,000 shares, about $1.5M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000203/0000885550-26-000203-index.htm
- Jun 26, 2026: Nicholas J. Elliott (Chief Transformation Officer) sold 2,306 shares, about $1.5M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000166/0000885550-26-000166-index.htm
- Jun 26, 2026: Erin J. Kerber (Chief Legal Officer) sold 5,720 shares, about $3.6M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000165/0000885550-26-000165-index.htm
- Jun 25, 2026: Nicholas J. Elliott (Chief Transformation Officer) sold 4,670 shares, about $2.8M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000159/0000885550-26-000159-index.htm
- Jun 25, 2026: Erin J. Kerber (Chief Legal Officer) sold 11,593 shares, about $7.0M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000158/0000885550-26-000158-index.htm
- Jun 24, 2026: Jonathan Lum (Chief Operating Officer) sold 6,000 shares, about $3.6M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000162/0000885550-26-000162-index.htm
- Jun 24, 2026: Jay D. Martin (Chief Financial Officer) sold 3,000 shares, about $1.8M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000160/0000885550-26-000160-index.htm
- Jun 17, 2026: Nicholas J. Elliott (Chief Transformation Officer) sold 55 shares, about $31,741. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000153/0000885550-26-000153-index.htm
- Jun 17, 2026: Erin J. Kerber (Chief Legal Officer) sold 56 shares, about $32,292. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000152/0000885550-26-000152-index.htm
- Jun 17, 2026: Jay D. Martin (Chief Financial Officer) sold 49 shares, about $28,260. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000151/0000885550-26-000151-index.htm
- Jun 9, 2026: Nicholas J. Elliott (Chief Transformation Officer) sold 53 shares, about $30,565. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000128/0000885550-26-000128-index.htm
- Jun 9, 2026: Jay D. Martin (Chief Financial Officer) sold 44 shares, about $25,377. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000127/0000885550-26-000127-index.htm
- Jun 9, 2026: Erin J. Kerber (Chief Legal Officer) sold 54 shares, about $31,142. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000126/0000885550-26-000126-index.htm
- Jun 1, 2026: Erin J. Kerber (Chief Legal Officer) sold 3,546 shares, about $2.0M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000118/0000885550-26-000118-index.htm
- Jun 1, 2026: Nicholas J. Elliott (Chief Transformation Officer) sold 3,379 shares, about $1.9M. Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000117/0000885550-26-000117-index.htm

## What management said

- "During the third quarter, Consumer Loan unit and dollar volume grew 38% and 51%, respectively, both economic profit and adjusted net income experienced double-digit growth, and the number of active dealers reached an all-time high" Vinayak Hegde, Chief Executive Officer (8-K filed Oct 29, 2026). Source: https://www.sec.gov/Archives/edgar/data/885550/000088555026000200/caccq32026earningsrelease.htm

## Latest filings

- 8-K filed Oct 29, 2026: https://www.sec.gov/Archives/edgar/data/885550/000088555026000200/cacc-20261029.htm
- 10-K filed Feb 13, 2026: https://www.sec.gov/Archives/edgar/data/885550/000088555026000047/cacc-20251231.htm
- 10-Q filed Oct 29, 2026: https://www.sec.gov/Archives/edgar/data/885550/000088555026000201/cacc-20260930.htm
- DEF 14A filed Apr 28, 2026: https://www.sec.gov/Archives/edgar/data/885550/000088555026000073/cacc-20260428.htm

## About this data

SEC EDGAR filings, read by Steadybase. Every value links to the filing it came from.
Steadybase covers US-headquartered public companies that file with the SEC. API and MCP access: https://steadybase.io/docs/