Credit Acceptance Corporation (CACC) Dividend Safety Gauge & 10-Year DRIP Compounder

Per the Roarable RQD rating, CACC carries an RQD Score of 63, a letter grade of C, and the verdict label "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

• Fundamental Cash Engine: 11 / 20. Reported ROIC is 0%, while the FCF yield is 17.62%. The cash generation metric is strong relative to market value, but the return on invested capital metric is flat. An investor should weigh the high free-cash-flow yield against the absence of a measurable return on capital.
• Whale 13F Flow: 14 / 20. The rating reflects institutional accumulation and options positioning. This is a moderate-positive signal, with no further detail in the source data.
• Insider Conviction: 13 / 20. The rating reflects SEC Form 4 and Congressional PTR cluster flow. This is a moderate signal; the source data does not break out the direction or size of individual transactions.
• Macro Regime Fit: 10 / 20. Beta is 1.02, and the rating notes sector sensitivity. The stock moves roughly in line with the market, and the lowest-scoring pillar indicates limited alignment with the current macro regime.
• Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 8/9, and Debt/Equity is 0.5. These are the strongest pillar readings and support the view that the balance sheet is a relative strength.

Taken together, the rating is a middling score. The balance sheet and cash-flow yield offer support, while the flat ROIC, weak macro fit, and only moderate insider and institutional signals limit conviction. A prospective investor would be evaluating a balanced risk-reward profile rather than a clear-cut opportunity, and the valuation tradeoff is significant given the elevated EV/EBITDA shown below.

Per the SEC financials, reported revenue rose from $1901.9M in FY 2023 to $2317.2M in FY 2025, while operating income and net income are reported as $0.0M in each period. Gross, operating, and net margins are each 0%, and ROIC is 0% per the market data. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 8/9, and the balance sheet shows Debt/Equity of 0.5. Cash declined from $343.7M in FY 2024 to $22.8M in FY 2025, while debt was broadly stable at $3198.6M and $3197.2M across those two years.

Per the recent news and catalysts section, six items are listed, related to CACC:

• Market wire items (YELLOW): Items from CNN, Stocktwits, and Simply Wall St are flagged as market wire coverage, along with a Seeking Alpha item covering the 2026 Q3 results and earnings call presentation dated 2026-10-29.
• Risk watch items (RED): Items from Yahoo Finance and TradingView are flagged as risk watch. The Yahoo Finance headline states that the shares are falling today, and the TradingView headline references a 19.3% decline following Q3 earnings.
• Proprietary signals: The Butterfly Supply-Chain Graph lists no proprietary signals.

The most salient catalyst in the feed is the post-Q3 earnings decline. Per the news wire, the shares fell 19.3% after Q3 earnings, while the market data shows the stock up 5.67% on the reporting day. The feed therefore contains both a negative earnings reaction and a same-day gain, and the source data does not reconcile the two.

• What are the company's reported P/E (TTM), forward P/E, and EPS, given that these fields are absent while the market data shows an EV/EBITDA of 95?
• Why are reported net income and operating income $0.0M in each fiscal year, and how does that reconcile with the 0% net margin and the 17.62% FCF yield?
• What drove the post-Q3 earnings decline described in the news wire, and how does it reconcile with the same-day 5.67% price change?
• Which institutional holders, insiders, or Congressional traders are behind the flow signals referenced in the RQD pillars, given that the holders section is empty?
• What explains the drop in cash from $343.7M in FY 2024 to $22.8M in FY 2025, and what is the company's plan for its $3198.6M debt load?