Credit Acceptance Management
Management criteria checks 2/4
Credit Acceptance's CEO is Vinayak Hegde, appointed in Nov 2025, has a tenure of less than a year. total yearly compensation is $62.57M, comprised of 0.2% salary and 99.8% bonuses, including company stock and options. directly owns 0.097% of the company’s shares, worth $5.84M. The average tenure of the management team and the board of directors is 4.3 years and 19.3 years respectively.
Key information
Vinayak Hegde
Chief executive officer
US$62.6m
Total compensation
| CEO salary percentage | 0.24% |
| CEO tenure | less than a year |
| CEO ownership | 0.1% |
| Management average tenure | 4.3yrs |
| Board average tenure | 19.3yrs |
Recent management updates
Recent updates
Narrative Update • Jul 22
CACC: Raised Street Expectations And Index Additions Will Temper Future Return Potential
Analysts have lifted their price target on Credit Acceptance by about $67, citing updated assumptions on fair value, discount rate, revenue growth, profit margin, and future P/E as reflected in recent Street research, including the latest TD Cowen commentary. What’s in the News for Credit Acceptance Credit Acceptance appointed Joseph Billante as Chief Financial Officer, effective July 27, 2026, succeeding long-time CFO Jay D.Narrative Update • Jul 07
CACC: Higher Multiples And Softer Q1 Results Will Pressure Future Returns
Analysts have lifted their fair value estimate for Credit Acceptance from about $537 to roughly $562, citing updated assumptions on revenue growth, profit margins, discount rates, and future P/E that are in line with recent Street price target increases from TD Cowen and Stephens. Analyst Commentary Recent Street research on Credit Acceptance has centered on updated price targets, with bullish analysts adjusting their views as they revisit assumptions around revenue, margins, and valuation multiples.Narrative Update • Jun 23
CACC: Refreshed Assumptions And Buybacks Will Shape Future Risk Balance
Credit Acceptance's analyst price target has moved higher by $50 to $90 across recent updates, as analysts cite refreshed valuation work and adjustments to P/E and discount rate assumptions to reflect the latest risk and return profile. Analyst Commentary Recent research on Credit Acceptance shows a mix of optimism and caution, with price targets both raised and reduced as analysts revisit their P/E and discount rate assumptions.Analysis Article • Jun 16
Credit Acceptance (CACC) Stock Could Be 7% Overvalued After Credit Facility Extension And CFO Change
Why the latest financing and leadership moves matter for Credit Acceptance stock Credit Acceptance (CACC) has just extended its revolving secured credit facility by one year and reduced its borrowing spread, while also preparing for a CFO transition to Joseph Billante from long-serving finance chief Jay D. Martin. See our latest analysis for Credit Acceptance. Those financing and leadership updates come against a backdrop of firm momentum in Credit Acceptance’s stock, with a 90 day share...Narrative Update • Jun 06
CACC: Revised Assumptions And Buybacks Will Shape Balanced Risk Profile
Analysts have raised their price targets on Credit Acceptance by $50 to $90 in recent research, citing updated views on discount rates, revenue growth, profit margins, and future P/E assumptions. Analyst Commentary Recent research updates show a mix of optimism and caution around Credit Acceptance, reflected in both higher and lower price targets over the past few reports.Narrative Update • May 15
CACC: Revised Assumptions And Legal Resolution Will Shape Balanced Risk Profile
Analysts raised their price target on Credit Acceptance by about $55, citing updates to fair value estimates along with revised assumptions for discount rate, revenue growth, profit margin, and future P/E. Analyst Commentary Recent research points to a mixed but generally constructive reset in how analysts are thinking about Credit Acceptance, with several price target changes clustered over a short period.Narrative Update • Apr 21
CACC: Elevated Margin Assumptions Will Drive Skewed Risk To The Downside
Analysts have raised the Credit Acceptance price target by about $30, citing updated assumptions around fair value, the discount rate, revenue growth, profit margin, and a lower future P/E that are consistent with recent mixed Street research moves on the stock. Analyst Commentary Recent Street research on Credit Acceptance has been mixed, with some price targets raised and at least one lowered.Narrative Update • Apr 06
CACC: Evolving EPS Outlook And Mixed Sentiment Will Drive A Balanced Path
Analysts have trimmed their average price target on Credit Acceptance by about $6 to roughly $452. This reflects updated views on revenue growth, profitability and an outlook that now applies a higher future P/E multiple.Narrative Update • Dec 19
CACC: Future Buybacks And Leadership Transition Will Shape A Measured Outlook
Analysts have modestly raised their price target on Credit Acceptance to $458.00 from $458, citing incremental adjustments to the discount rate and forward valuation assumptions, while maintaining a constructive view on revenue growth and profitability. What's in the News The board authorizes a new share repurchase program allowing Credit Acceptance to buy back up to 2,000,000 shares, with no stated expiration, signaling ongoing capital return to shareholders (company announcement).Narrative Update • Dec 04
CACC: Buybacks And Leadership Transition Will Shape A Balanced Forward Outlook
Analysts have modestly lowered their price target on Credit Acceptance to $458.00 from $458.00, reflecting a slightly reduced discount rate and marginally lower future P E assumptions while maintaining strong expectations for growth and margins. What's in the News On September 29, 2025, the Board authorized a new share repurchase plan allowing Credit Acceptance to buy back up to 2,000,000 shares with no set expiration date (Key Developments).Narrative Update • Nov 20
CACC: Share Buyback Program And Leadership Transition Will Shape Outlook
Analysts have raised their price target for Credit Acceptance from $446.25 to $458.00, citing incremental improvements in profit margin and a slight reduction in discount rate as supporting factors for the increased valuation. What's in the News The Board of Directors has unanimously elected Vinayak R.Narrative Update • Nov 01
CACC: Share Repurchases And Leadership Transition Will Shape Lending Landscape
Analysts have lowered their price target for Credit Acceptance from $467.50 to $446.25. They cite shifts in projected revenue growth and underlying financial assumptions as key drivers of the revision.
New Narrative • Aug 29
Enhanced Forecasting And Critical Growth Set To Propel Future Revenue And Net Income
Enhanced forecasting and disciplined underwriting amidst economic volatility hint at improved loan performance, net margins, and ultimately net income.Seeking Alpha • Feb 26
Credit Acceptance: Back At Expensive Levels While Facing The Same Concerns
Summary CACC stock has returned to its previous high of $550 despite deteriorating earnings and ongoing challenges. Higher costs of funding and default rates are severely impacting earnings, and a pending lawsuit adds to the uncertainties. A careful probability-weighted scenario model suggests a valuation re-rate to $465 per share. Read the full article on Seeking AlphaCEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$453m |
| Dec 31 2025 | US$63m | US$148k | US$424m |
| Sep 30 2025 | n/a | n/a | US$454m |
| Jun 30 2025 | n/a | n/a | US$424m |
| Mar 31 2025 | n/a | n/a | US$290m |
| Dec 31 2024 | US$142k | n/a | US$248m |
| Sep 30 2024 | n/a | n/a | US$190m |
| Jun 30 2024 | n/a | n/a | US$182m |
| Mar 31 2024 | n/a | n/a | US$251m |
| Dec 31 2023 | US$75k | n/a | US$286m |
| Sep 30 2023 | n/a | n/a | US$320m |
| Jun 30 2023 | n/a | n/a | US$336m |
| Mar 31 2023 | n/a | n/a | US$421m |
| Dec 31 2022 | US$50k | n/a | US$536m |
| Sep 30 2022 | n/a | n/a | US$626m |
| Jun 30 2022 | n/a | n/a | US$789m |
| Mar 31 2022 | n/a | n/a | US$971m |
| Dec 31 2021 | US$2m | n/a | US$958m |
Compensation vs Market: Vinayak's total compensation ($USD62.57M) is above average for companies of similar size in the US market ($USD8.28M).
Compensation vs Earnings: Vinayak's compensation has increased by more than 20% in the past year.
CEO
Vinayak Hegde (56 yo)
less than a year
Tenure
US$62,567,647
Compensation
Mr. Vinayak R. Hegde has served as the CMO Consumer for T Mobile since January 2023. Mr. Hegde is Independent Director of SunPower Corporation from December 31, 2021. He served as the President of Wheels U...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO, President & Director | less than a year | US$62.57m | 0.097% $ 5.8m | |
| Chief Financial Officer | 2.5yrs | US$623.46k | 0.25% $ 14.9m | |
| Chief Technology Officer | 3.8yrs | US$1.75m | 0.024% $ 1.5m | |
| Advisor | 12.9yrs | US$780.69k | 0.34% $ 20.3m | |
| Advisor | less than a year | US$780.87k | 0.22% $ 13.3m | |
| Chief Treasury Officer | 24.6yrs | US$3.43m | 0.030% $ 1.8m | |
| Chief Operating Officer | 7.2yrs | US$12.09m | 0.30% $ 18.1m | |
| Chief Legal Officer | 5yrs | no data | 0.25% $ 14.9m | |
| Chief Marketing & Product Officer | 4.3yrs | US$617.89k | 0.015% $ 871.9k | |
| Chief Sales Officer | less than a year | no data | no data | |
| Chief People Officer | 5.2yrs | US$2.10m | 0.24% $ 14.1m |
4.3yrs
Average Tenure
52.5yo
Average Age
Experienced Management: CACC's management team is considered experienced (4.3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO, President & Director | 5.2yrs | US$62.57m | 0.097% $ 5.8m | |
| Chairman & Independent Lead Director | 27yrs | US$100.00k | 3.85% $ 230.9m | |
| Independent Director | 19.3yrs | US$100.00k | 0.66% $ 39.3m | |
| Independent Director | 22.3yrs | US$100.00k | 0.17% $ 10.3m | |
| Independent Director | 2.8yrs | US$100.00k | 0.015% $ 886.3k |
19.3yrs
Average Tenure
56yo
Average Age
Experienced Board: CACC's board of directors are seasoned and experienced ( 19.3 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/27 14:11 |
| End of Day Share Price | 2026/07/24 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Credit Acceptance Corporation is covered by 12 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| Kenneth Bruce | BofA Global Research |
| Giuliano Anderes Bologna | BTIG |