Credit Acceptance Company Insiders
CACC Stock | USD 515.52 6.70 1.28% |
Credit Acceptance's insiders are aggressively selling. The analysis of insider sentiment suggests that all Credit Acceptance insiders are, at present, panicking. Credit Acceptance employs about 2.2 K people. The company is managed by 20 executives with a total tenure of roughly 187 years, averaging almost 9.0 years of service per executive, having 111.6 employees per reported executive.
Brett Roberts CEO CEO and Executive Director |
Donald Foss Chairman Chairman of the Board |
Credit Acceptance's Insider Buying Vs Selling
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Selling | Buying |
Latest Trades
2024-03-21 | Douglas W Busk | Disposed 2500 @ 572.58 | View | ||
2024-02-02 | Douglas W Busk | Disposed 500 @ 579.98 | View | ||
2023-12-22 | Douglas W Busk | Disposed 500 @ 524.18 | View | ||
2023-09-06 | Thomas W Smith | Disposed 400 @ 494.71 | View | ||
2023-08-14 | A. Foss Irrevocable Tru Donald | Disposed 7270 @ 490.84 | View | ||
2023-08-11 | A. Foss Irrevocable Tru Donald | Disposed 5310 @ 498.71 | View | ||
2023-08-09 | A. Foss Irrevocable Tru Donald | Disposed 1953 @ 504.88 | View | ||
2023-08-07 | A. Foss Irrevocable Tru Donald | Disposed 5287 @ 500.24 | View | ||
2023-07-31 | A. Foss Irrevocable Tru Donald | Disposed 7886 @ 552.61 | View | ||
2023-07-28 | A. Foss Irrevocable Tru Donald | Disposed 2114 @ 543.08 | View | ||
2023-07-26 | A. Foss Irrevocable Tru Donald | Disposed 7079 @ 545.2 | View | ||
2023-07-24 | A. Foss Irrevocable Tru Donald | Disposed 6339 @ 549.06 | View | ||
2023-07-21 | A. Foss Irrevocable Tru Donald | Disposed 7108 @ 548.08 | View | ||
2023-07-19 | A. Foss Irrevocable Tru Donald | Disposed 9796 @ 568.72 | View | ||
2023-07-17 | A. Foss Irrevocable Tru Donald | Disposed 7538 @ 553.97 | View | ||
2023-07-14 | A. Foss Irrevocable Tru Donald | Disposed 8782 @ 548.19 | View | ||
2023-07-12 | A. Foss Irrevocable Tru Donald | Disposed 7766 @ 534.87 | View | ||
2023-07-10 | A. Foss Irrevocable Tru Donald | Disposed 2050 @ 516.49 | View |
Monitoring Credit Acceptance's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
Credit |
Credit Acceptance Management Team Effectiveness
The company has return on total asset (ROA) of 0.0394 % which means that it generated a profit of $0.0394 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1694 %, meaning that it created $0.1694 on every $100 dollars invested by stockholders. Credit Acceptance's management efficiency ratios could be used to measure how well Credit Acceptance manages its routine affairs as well as how well it operates its assets and liabilities. The current year's Return On Tangible Assets is expected to grow to 0.06. The current year's Return On Capital Employed is expected to grow to 0.1. At present, Credit Acceptance's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 132.7 M, whereas Other Assets are forecasted to decline to about 313.7 M.The current year's Common Stock Shares Outstanding is expected to grow to about 25.7 M. The current year's Net Income Applicable To Common Shares is expected to grow to about 647 M
Credit Acceptance Workforce Comparison
Credit Acceptance is number one stock in number of employees category among related companies. The total workforce of Financials industry is currently estimated at about 36,948. Credit Acceptance holds roughly 2,232 in number of employees claiming about 6% of equities under Financials industry.
Credit Acceptance Profit Margins
The company has Profit Margin (PM) of 0.32 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.47 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.47.Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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Gross Profit Margin | 0.56 | 0.6754 |
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Net Profit Margin | 0.26 | 0.1504 |
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Operating Profit Margin | 0.18 | 0.1933 |
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Pretax Profit Margin | 0.38 | 0.1933 |
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Return On Assets | 0.0557 | 0.0376 |
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Return On Equity | 0.18 | 0.1631 |
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Credit Acceptance Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Credit Acceptance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Credit Acceptance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Credit Acceptance insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
---|---|---|---|---|---|
2024-03-01 | 2.5 | 5 | 2 | 2,244 | 644.00 |
2023-12-01 | 0.0667 | 1 | 15 | 334.00 | 8,779 |
2023-09-01 | 0.0112 | 3 | 267 | 946.00 | 186,390 |
2023-03-01 | 0.2 | 2 | 10 | 1,300 | 15,271 |
2022-12-01 | 0.1111 | 2 | 18 | 14,000 | 170,600 |
2022-03-01 | 0.0435 | 1 | 23 | 300.00 | 122,531 |
2021-12-01 | 0.0317 | 2 | 63 | 125,500 | 207,881 |
2021-09-01 | 0.0191 | 6 | 314 | 176,750 | 192,955 |
2021-03-01 | 0.6923 | 9 | 13 | 52,000 | 11,127 |
2020-03-01 | 0.0821 | 16 | 195 | 57,000 | 493,828 |
2019-12-01 | 0.4 | 2 | 5 | 1,250 | 10,937 |
2019-03-01 | 1.125 | 9 | 8 | 64,338 | 19,500 |
2018-03-01 | 0.0671 | 10 | 149 | 42,312 | 641,549 |
2017-03-01 | 0.1163 | 10 | 86 | 68,405 | 1,178,791 |
2016-06-01 | 0.2 | 1 | 5 | 100.00 | 17,843 |
2016-03-01 | 0.8333 | 10 | 12 | 80,990 | 122,759 |
2015-12-01 | 6.0 | 6 | 1 | 14,000 | 0.00 |
2015-03-01 | 0.6667 | 12 | 18 | 37,780 | 7,931 |
2014-09-01 | 1.0 | 3 | 3 | 22,000 | 25,000 |
2014-03-01 | 0.8667 | 13 | 15 | 113,176 | 139,661 |
2013-09-01 | 0.125 | 2 | 16 | 15,000 | 43,968 |
2013-06-01 | 0.2778 | 5 | 18 | 20,000 | 1,540,000 |
2013-03-01 | 0.4737 | 9 | 19 | 409,858 | 208,713 |
2012-12-01 | 0.2778 | 5 | 18 | 7,188 | 264,336 |
2012-09-01 | 0.0263 | 1 | 38 | 10,000 | 950,124 |
2012-06-01 | 1.5 | 3 | 2 | 629,009 | 85,000 |
2012-03-01 | 0.1389 | 10 | 72 | 366,804 | 54,684 |
2011-12-01 | 1.0 | 1 | 1 | 24,903 | 100,000 |
2011-09-01 | 1.0 | 1 | 1 | 288,027 | 4,000 |
2011-06-01 | 0.1625 | 13 | 80 | 204,647 | 254,988 |
2011-03-01 | 0.2326 | 20 | 86 | 188,260 | 3,018,406 |
2010-12-01 | 0.2024 | 17 | 84 | 110,232 | 624,605 |
2010-06-01 | 0.2 | 1 | 5 | 3,000 | 7,091 |
2010-03-01 | 0.6667 | 4 | 6 | 17,459 | 4,038 |
2009-12-01 | 0.2143 | 3 | 14 | 2,195 | 9,363 |
2009-03-01 | 3.0 | 3 | 1 | 13,492 | 392.00 |
2004-09-01 | 0.5714 | 4 | 7 | 1,000.00 | 1,000.00 |
Credit Acceptance Notable Stakeholders
A Credit Acceptance stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Credit Acceptance often face trade-offs trying to please all of them. Credit Acceptance's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Credit Acceptance's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Brett Roberts | CEO and Executive Director | Profile | |
Donald Foss | Chairman of the Board | Profile | |
Thomas Tryforos | Director, Chairman of Audit Committee, Member of Nominating Committee and Member of Executive Compensation Committee | Profile | |
Douglas Busk | Senior Vice President Treasurer | Profile | |
Steven Jones | President | Profile | |
Kenneth Booth | CFO and Chief Accounting Officer | Profile | |
Scott Vassalluzzo | Independent Director | Profile | |
Glenda Flanagan | Independent Director | Profile | |
Wendy Rummler | Chief Officer | Profile | |
Jonathan Lum | Chief Officer | Profile | |
Jay Martin | Senior Officer | Profile | |
Noah Kotch | Chief Officer | Profile | |
Ravi Mohan | Chief Officer | Profile | |
John Soave | CIO | Profile | |
Arthur Smith | Chief Analytics Officer | Profile | |
Erin Kerber | Chief Officer | Profile | |
Andrew Rostami | Chief Officer | Profile | |
Daniel Ulatowski | Chief Sales Officer | Profile | |
Charles Pearce | Chief Legal Officer and Corporate Secretary | Profile | |
Nicholas Elliott | Chief Officer | Profile |
About Credit Acceptance Management Performance
The success or failure of an entity such as Credit Acceptance often depends on how effective the management is. Credit Acceptance management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Credit management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Credit management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last Reported | Projected for Next Year | ||
Return On Tangible Assets | 0.03 | 0.06 | |
Return On Capital Employed | 0.05 | 0.1 | |
Return On Assets | 0.04 | 0.06 | |
Return On Equity | 0.16 | 0.18 |
The data published in Credit Acceptance's official financial statements usually reflect Credit Acceptance's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Credit Acceptance. For example, before you start analyzing numbers published by Credit accountants, it's critical to develop an understanding of what Credit Acceptance's liquidity, profitability, and earnings quality are in the context of the Consumer Finance space in which it operates.
Please note, the presentation of Credit Acceptance's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Credit Acceptance's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Credit Acceptance's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Credit Acceptance. Please utilize our Beneish M Score to check the likelihood of Credit Acceptance's management manipulating its earnings.
Credit Acceptance Workforce Analysis
Traditionally, organizations such as Credit Acceptance use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Credit Acceptance within its industry.Credit Acceptance Manpower Efficiency
Return on Credit Acceptance Manpower
Revenue Per Employee | 852.1K | |
Revenue Per Executive | 95.1M | |
Net Income Per Employee | 128.2K | |
Net Income Per Executive | 14.3M | |
Working Capital Per Employee | 3.2M | |
Working Capital Per Executive | 351.9M |
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in main economic indicators. For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.Note that the Credit Acceptance information on this page should be used as a complementary analysis to other Credit Acceptance's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
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When running Credit Acceptance's price analysis, check to measure Credit Acceptance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Credit Acceptance is operating at the current time. Most of Credit Acceptance's value examination focuses on studying past and present price action to predict the probability of Credit Acceptance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Credit Acceptance's price. Additionally, you may evaluate how the addition of Credit Acceptance to your portfolios can decrease your overall portfolio volatility.
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Fundamental Analysis View fundamental data based on most recent published financial statements |
Is Credit Acceptance's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Credit Acceptance. If investors know Credit will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Credit Acceptance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.24) | Earnings Share 21.99 | Revenue Per Share 69.418 | Quarterly Revenue Growth (0.11) | Return On Assets 0.0394 |
The market value of Credit Acceptance is measured differently than its book value, which is the value of Credit that is recorded on the company's balance sheet. Investors also form their own opinion of Credit Acceptance's value that differs from its market value or its book value, called intrinsic value, which is Credit Acceptance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Credit Acceptance's market value can be influenced by many factors that don't directly affect Credit Acceptance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Credit Acceptance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Credit Acceptance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Credit Acceptance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.