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Insider selling: $93,968,249 sold by 19 insiders (30d)
Factor divergence:
DIVERGENCE: analyst_revisions, options_sentiment bullish vs estimate_revisions bearish
Est. revisions:
-3.4%
(2 up, 0 down in 30d)
Backed by structured data (insider trades, analyst ratings, or filings)
Factor Model (net +1.1)
Factor Model
net +1.1 2.8 / 10
Est. Revisions
-0.2
Insider Activity
+0.0
Momentum
+0.0
Analyst Rev.
+1.0
Narrative Gap
+0.0
Short Interest Drops 4%, Supports Bullish Setup
Watch: Monitor Q1 2026 earnings for signs of sustainable loan origination and margin metrics to validate bullish expectations or risk further downside.
Short interest in Credit Acceptance Corp fell 4.3% to 1,003,914 shares, representing 27.5% of float with a 6.5 days-to-cover rate. This decline comes after regulatory burdens eased, leaving a 32% short float still vulnerable. Insiders continue to sell heavily amid decelerating revenue momentum and mixed analyst sentiment. The stock price is in a downtrend, down 5% from the high, with a high put-call ratio signaling caution.
The drop in short interest reduces immediate bearish pressure, increasing the potential for a short squeeze given still-elevated short float and buyback-driven share count shrinkage.
Evidence
4h ago
Short interest dropped 4% to 1,003,914 shares
11d ago
Stephens & Co. main CACC: Equal-Weight → Equal-Weight
15d ago
Insider buy by PRESCOTT GENERAL PARTNERS L L C (CACC): $1,784,530
15d ago
Insider sell by PRESCOTT GENERAL PARTNERS L L C (CACC): $29,634,530
15d ago
Insider sell by WATSON JILL FOSS (CACC): $10,799,406
Fundamentals & Data ▾
Credit Acceptance Corporation
Financial Services · Credit Services
Mkt Cap
$6B
P/E
14.2 fwd 10.0
Beta
1.32
52w Range
$401.90 - $549.75
Short Interest
1.0M 27.49%
Days to Cover
6.5 -11%
Technicals
downtrend
from 52w Hi
-5.1%
1w return
-5.1%
Insiders
selling
0B / 12S
Analysts
mixed
EPS Estimate
$10.51
-3.4% 30d
2up / 0dn
Est. Dispersion
19%
3 analysts
Analyst Target
$482
$450 - $540
Options P/C
9.76
Insider Cluster
strong sell
1B / 9S
Financials
Revenue
$574M +3% YoY
FCF
$269M
Gross Margin
63%
Op Margin
41%
Momentum:
decelerating
Recent Filings & Data
insider trade
71
net selling
· $93,968,249 sold
· $1,784,530 bought
19 insiders · 71 transactions (30d)
Recent transactions
LUM JONATHAN · exercise · $1,001,820
LUM JONATHAN · award
MARTIN JAY D. · sell · $2,224,263
MARTIN JAY D. · exercise · $1,001,820
ELLIOTT NICHOLAS J · award
BOOTH KENNETH S · sell · $1,644,841
RUMMLER WENDY A · sell · $1,471,594
RUMMLER WENDY A · exercise · $965,087
ULATOWSKI DANIEL A · sell · $294,571
ULATOWSKI DANIEL A · exercise · $196,691
RUMMLER WENDY A · sell · $2,583,631
RUMMLER WENDY A · exercise · $1,748,510
TRYFOROS THOMAS N · other
FLANAGAN GLENDA J · other
WATSON JILL FOSS · other
ULATOWSKI DANIEL A · sell · $1,426,980
ULATOWSKI DANIEL A · exercise · $1,001,820
ROSTAMI ANDREW K · sell · $287,850
ROSTAMI ANDREW K · sell · $221,106
HEGDE VINAYAK R · award
BOOTH KENNETH S · sell · $2,026,360
BOOTH KENNETH S · exercise · $1,335,760
ULATOWSKI DANIEL A · sell · $2,088,000
ULATOWSKI DANIEL A · exercise · $1,335,760
ELLIOTT NICHOLAS J · sell · $182,606
ULATOWSKI DANIEL A · sell · $1,879,241
ULATOWSKI DANIEL A · exercise · $1,216,877
LUM JONATHAN · sell · $3,075,684
LUM JONATHAN · exercise · $2,003,640
WATSON JILL FOSS · sell · $10,799,406
ROSTAMI ANDREW K · sell · $189,484
ULATOWSKI DANIEL A · sell · $3,318,826
ULATOWSKI DANIEL A · exercise · $2,122,523
FLANAGAN GLENDA J · award
TRYFOROS THOMAS N · award
VASSALLUZZO SCOTT J · award
QUINN SEAN EDWARD · award
HEGDE VINAYAK R · award
PRESCOTT GENERAL PARTNERS L L C · sell · $8,451,805
PRESCOTT GENERAL PARTNERS L L C · sell · $29,634,530
BUSK DOUGLAS W · sell · $1,547,910
BUSK DOUGLAS W · exercise · $1,001,820
ELLIOTT NICHOLAS J · sell · $150,600
BOOTH KENNETH S · award
LUM JONATHAN · sell · $270,425
ULATOWSKI DANIEL A · award
SMITH ARTHUR L · award
LUM JONATHAN · award
MARTIN JAY D. · award
KERBER ERIN J. · award
RUMMLER WENDY A · award
ROSTAMI ANDREW K · award
VALIYAVEETTIL RAVI MOHAN · award
ELLIOTT NICHOLAS J · award
PRESCOTT GENERAL PARTNERS L L C · buy · $1,784,530
PRESCOTT GENERAL PARTNERS L L C · sell · $5,154,731
SMITH THOMAS WILLIAM · sell · $541,208
FLANAGAN GLENDA J · award
TRYFOROS THOMAS N · award
VASSALLUZZO SCOTT J · award
QUINN SEAN EDWARD · award
HEGDE VINAYAK R · award
ULATOWSKI DANIEL A · sell · $944,387
BOOTH KENNETH S · sell · $1,016,000
MARTIN JAY D. · sell · $1,576,894
RUMMLER WENDY A · sell · $2,135,286
RUMMLER WENDY A · exercise · $1,356,464
WATSON JILL FOSS · sell · $5,089,030
BOOTH KENNETH S · sell · $2,136,000
BOOTH KENNETH S · exercise · $1,335,760
LUM JONATHAN · sell · $1,605,000
7 signals · latest 4h ago
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