Credit Acceptance Corporation (CACC)

Auto lender, counted by operating function. Read November 11, 2026 from the annual report for the period ending December 31, 2025, filed February 13, 2026. Ranked 151 of the 173 Financial Services companies read so far, by the share within reach now.

An auto finance company whose filing counts team members in four functions, so both shares are stated counts.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 55% now, 65% at the end of 2027, 68% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 27% people work and 5% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

2,314 employees as of December 31, 2025 (stated). Given in words: the vast majority of team members work remotely from locations within the United States.

The filing: “As of December 31, 2025, we had 2,314 full- and part-time team members.”

The workforce as industry patterns

What the filing says about the workforce: Team members by operating function: servicing 799, originations 588, engineering, analytics, marketing and product management 542, support 385. A remote-first workplace, with more than half of team members outside Michigan.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• American Express Company (AXP, 76,800 employees)56% now, 68% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)52% now, 62% by 2028
• FirstCash Holdings, Inc (FCFS, 22,000 employees)55% now, 68% by 2028
• Synchrony Financial (SYF, 20,000 employees)56% now, 68% by 2028
• OneMain Holdings, Inc. (OMF, 9,300 employees)56% now, 68% by 2028
• UWM Holdings Corporation (UWMC, 9,100 employees)55% now, 69% by 2028
• EZCORP, Inc. (EZPW, 8,500 employees)56% now, 68% by 2028
• Rithm Capital Corp. (RITM, 7,240 employees)54% now, 66% by 2028

What the filing says about AI

14 sentences in the filing name AI. The filing names artificial intelligence in risk factors on cybersecurity, on the protection of consumer transaction data and on the development and use of AI.

• “Further, the rapid evolution and increased adoption of artificial intelligence ("AI") technologies, increased sophistication and activities of organized crime, hackers, terrorists, activists, and other external parties may increase our level of cybersecurity risk.”
• “Advances in computer capabilities, new discoveries in the field of cryptography, advancements in AI, or other events or developments may result in a compromise or breach of the algorithms that we use to protect sensitive consumer transaction data.”
• “The development and use of artificial intelligence presents risks and challenges that may adversely impact our business.”
• “We, or TPPs, third-party service providers, automobile dealers who participate in our programs, or other third parties with which we transact or have business relationships, may develop or incorporate AI technology in certain business processes, services, or products.”
• “The development and use of AI presents several potential risks and challenges to our business.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20231median 1
• Fiscal 20242median 4
• Fiscal 202514median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The collector found no count; the total is from the filing's table by operating function.
• The engineering and analytics function is counted with marketing and product management and stays inside the lending pattern.

Source: the company's annual report on EDGAR, accession 0000885550-26-000047, the filing. Read by Claude Fable 5.2 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.