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CACC on Nasdaq. Personal credit institutions. Market value $5.5bn.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.

We can't read total debt from the filing, so debt is left out.

Should I look at this?

Not a fit for our list right now

Why it could be worth it

What to watch out for

See Financial services stocks that passed both tests

This is not advice. Check the numbers below.

Compare with another stock

Return on equity
five annual reports to December 2025
25.9%five-year median

Yearly profit per dollar of owners' money: 26 cents. Above 10 is good.

Price to book
quarterly report to June 2026
3.5×

What you pay for each dollar of net assets: $3.51.

Earnings yield
past 12 months to June 2026
9.0%

Profit per $100 you pay: $9.01.

Quality score: 66 of 100. Price score: 50 of 100. Our list needs 70 on quality and 60 on price.

$536.58 a share, 34% above its 1-year low

Over the past year the price has ranged from $401.90 to $668.86.

Pays no dividend

Prices from Tuesday’s close (6 October).

Five years of cash, in billions

n/a
n/a
n/a
n/a
n/a
20212022202320242025
Revenue
$1.9bn$1.8bn$1.9bn$2.2bn$2.3bn
Operating margin
n/an/an/an/an/a
Debt to equity
n/an/an/an/an/a
Shares outstanding
0.01bn0.01bn0.01bn0.01bn0.01bn

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsSlow, 6.8% a year
  • Buying back its own sharesYes, 20% fewer since 2021

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Sales: $587 million last quarter, up 1% on a year ago.
  • Profit: $136 million, up 55% on a year ago.
  • Spare cash over the past 12 months: $1.2 billion, up from $1.1 billion.
  • 9% fewer shares than a year ago. Each share owns a bit more of the company.
  • Sales grew on a year ago in each of the last 4 quarters.
Sales by quarter
Sales by quarter
Quarter toAmount
September 2024$550m
December 2024$566m
March 2025$571m
June 2025$584m
September 2025$582m
December 2025$580m
March 2026$580m
June 2026$587m
Profit by quarter
Profit by quarter
Quarter toAmount
September 2024$79m
December 2024$152m
March 2025$106m
June 2025$87m
September 2025$108m
December 2025$122m
March 2026$136m
June 2026$136m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
13 February 2026
Next quarterly (estimated, 10-Q)
3 November 2026

Who owns it

6 long-term investors we follow own it, down from 7 last quarter. 298 funds in all.

Jun '25
Dec '25
Jun '26

Sold out this quarter

Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

6 investors own more than 5%.

  • Allan V. Apple, not individually but solely in capacity as trustee
    Passive investor
    at least 19.8%
    (filed with 4 related holders)
    Since 5 June 2026
    What they said

    This Schedule 13D is being filed to report a change in the shares beneficially owned by the Reporting Persons. The Reporting Persons intend to evaluate on an ongoing basis the investments in the Issuer and their options with respect to such investments. The Reporting Persons may…

    Read the filing
  • Jill Foss Watson
    Passive investor
    at least 14.5%+9.8 pts
    (filed with 5 related holders)
    Since 5 June 2026
    What they said

    This Schedule 13D/A is being filed to report a change in the shares beneficially owned by the Reporting Persons. The Reporting Persons intend to evaluate on an ongoing basis the investments in the Issuer and their options with respect to such investments. The Reporting Persons…

    Read the filing
  • at least 13.6%+1.2 pts
    (filed with 4 related holders)
    Since 2 July 2026
    What they said

    Item 4 of the Schedule 13D is hereby amended and restated in its entirety as follows: "As described more fully in Item 5 below, as general partner of the Partnerships, PGP may be deemed to beneficially own 1,427,060 shares of Common Stock held by the Partnerships. PIPS may be…

    Read the filing
  • John P. Neary, not individually but solely as a co-trustee of the Marital Trust U/A Donald A. Foss Trust January 16, 1981
    Passive investor
    6.3%−0.5 pts
    Since 30 June 2026
  • BlackRock, Inc.
    Passive investor
    6.0%
    Since 30 June 2026
  • Boston Partners
    Passive investor
    5.1%
    Since 31 March 2026
  • Sold down below 5%
    Since 31 December 2025

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

No insider bought shares on the open market in the last 12 months. 9 sold $74m, $61m of it under preset trading plans.

  • Elliott Nicholas J
    Chief Transformation Officer
    Sold
    under a preset trading plan
    Date
    26 June 2026
    Shares
    2,306
    Price
    $629.99
    Value
    $1m
  • KERBER ERIN J
    Chief Legal Officer
    Sold
    under a preset trading plan
    Date
    26 June 2026
    Shares
    5,720
    Price
    $629.80
    Value
    $4m
  • Elliott Nicholas J
    Chief Transformation Officer
    Sold
    under a preset trading plan
    Date
    25 June 2026
    Shares
    1,183
    Price
    $627.01
    Value
    $741,756
  • KERBER ERIN J
    Chief Legal Officer
    Sold
    under a preset trading plan
    Date
    25 June 2026
    Shares
    2,937
    Price
    $627.19
    Value
    $2m
  • LUM JONATHAN
    Chief Operating Officer
    Sold
    under a preset trading plan
    Date
    24 June 2026
    Shares
    6,000
    Price
    $600.00
    Value
    $4m
  • Martin Jay D
    Chief Financial Officer
    Sold
    under a preset trading plan
    Date
    24 June 2026
    Shares
    3,000
    Price
    $601.04
    Value
    $2m
  • Elliott Nicholas J
    Chief Transformation Officer
    Sold
    under a preset trading plan
    Date
    24 June 2026
    Shares
    3,487
    Price
    $601.01
    Value
    $2m
  • KERBER ERIN J
    Chief Legal Officer
    Sold
    under a preset trading plan
    Date
    24 June 2026
    Shares
    8,656
    Price
    $600.94
    Value
    $5m
  • Elliott Nicholas J
    Chief Transformation Officer
    Sold
    under a preset trading plan
    Date
    17 June 2026
    Shares
    3
    Price
    $577.85
    Value
    $1,734
  • KERBER ERIN J
    Chief Legal Officer
    Sold
    under a preset trading plan
    Date
    17 June 2026
    Shares
    2
    Price
    $578.82
    Value
    $1,158

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

None of the warning signs we check for were found.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 13 Feb 2026, plus the 10-Q filed 4 Aug 2026 and 13 later 8-Ks.

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.