GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

CACC · Mar 31, 2021

CREDIT ACCEPTANCE CORP. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000885550-21-000056Bank
Interest-expense growth0thOwn-history percentile · N=13
Evidence method

Yoy · gp.financial.interest_expense

-15.61% · CORE · VALID

Cash and equivalents82thOwn-history percentile · N=17
Evidence method

Level · gp.fundamentals.cash

$45.7M · CORE · VALID

Sequential loan growth13thOwn-history percentile · N=16
Evidence method

Sequential · gp.financial.loans

1.29% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History22 statesSelf-history eligible
Jun 30, 20180/4 normalizedLevel 3Sep 30, 20180/4 normalizedLevel 3Dec 31, 20181/4 normalizedLevel 3Mar 31, 20192/4 normalizedLevel 3Jun 30, 20192/4 normalizedLevel 3Sep 30, 20192/4 normalizedLevel 3Dec 31, 20194/4 normalizedLevel 3Mar 31, 20204/4 normalizedLevel 3Jun 30, 20204/4 normalizedLevel 3Sep 30, 20204/4 normalizedLevel 3Dec 31, 20204/4 normalizedLevel 3Mar 31, 20213/3 normalizedLevel 3Jun 30, 20214/4 normalizedLevel 3Sep 30, 20214/4 normalizedLevel 3Dec 31, 20214/4 normalizedLevel 3Mar 31, 20224/4 normalizedLevel 3Jun 30, 20224/4 normalizedLevel 3Sep 30, 20224/4 normalizedLevel 3Sep 30, 20243/3 normalizedLevel 3Sep 30, 20263/3 normalizedLevel 4
Period transition

What moved in the state?

Funding Cost Growth Decreased
Previous
-2.14%
Current
-15.61%
Delta
-13.47%
Liquidity Increased
Previous
$16.0M
Current
$45.7M
Delta
$29.7M
Loan Growth Increased
Previous
-1.13%
Current
1.29%
Delta
2.41%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · CACC Fundamental State →Has State · CREDIT ACCEPTANCE CORP →Transitioned To · CACC Fundamental State →Transitioned To · CACC FUNDING_COST_GROWTH_DECREASED →Transitioned To · CACC LIQUIDITY_INCREASED →Transitioned To · CACC LOAN_GROWTH_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.