What is Credit Acceptance's market cap?

Credit Acceptance (CACC) has a market capitalization of $5.8B and trades on NASDAQ.

What is Credit Acceptance's revenue and profitability?

Credit Acceptance generated $2.3B in trailing twelve-month revenue with net income of $453.4M, representing a net margin of 19.5%, with free cash flow of $1.1B. These figures are based on the Q1 2026 filing.

Who are Credit Acceptance's competitors?

Credit Acceptance's key competitors include Ally Financial, Carvana, Consumer Portfolio Services, and others. These companies compete in similar markets and product categories.

Who does Credit Acceptance partner with?

Credit Acceptance's notable partners include FICO, Equifax, Experian, and others.

Where is Credit Acceptance headquartered?

Credit Acceptance is headquartered in United States of America and employs approximately 2,232 people. It has been publicly traded since 1992.

Credit Acceptance

CACC

Credit Acceptance Corporation is a specialized financial services company that provides automobile dealers with financing programs for consumers with impaired or limited credit histories.

Market cap

$5.84B-0.2%

Revenue$2.3B+4.5%

Net income$453.4M+56.4%

Free cash flow$1.1B-10.2%

EPS (diluted)$40.13+71.6%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

May 5, 2026

Revenue$580.0MMiss by $766.7K EPS$10.71Beat by $0.10

Read the full report

Next report

Aug 4, 2026 (In 5 days)

Revenue estimate$588.1M

EPS estimate$12.20

Financials

Q1 2026

Income statement

See full

Revenue$580.0M+1.6%

Net income$135.8M+27.8%

EPS (diluted)$12.40+43.2%

Balance sheet

See full

Cash & equivalents$551.4M-50.8%

Total equity$1.5B-11.5%

Total assets$8.7B-6.1%

Cash flow

See full

Operating cash flow$346.8M+0.2%

CapEx$1.3M+333%

Free cash flow$345.5M-0.1%

Valuation & ratios

Valuation

See full

Market cap$5.84B-0.2%

P/E12.9×-1.2×

P/S2.5×-0.1×

Profitability

See full

Net margin19.5%+6.5pp

FCF margin45.3%-7.4pp

Returns & leverage

See full

Return on equity28.1%+10.9pp

Competitors

By market cap

Carvana$47.3B+4.2%

Ally Financial$13.4B+13.2%

Credit Acceptance$5.8B-2.4%

Pathward Financial, Inc.$1.9B+4.9%

Atlanticus Holdings Corporation$1.6B—

World Acceptance$880.0M+1.5%

Consumer Portfolio Services$207.1M+9.8%

Vroom, Inc.$36.8M-73.7%

By revenue growth

Carvana+54.0%

Atlanticus Holdings Corporation+47.5%

Consumer Portfolio Services+7.7%

Credit Acceptance+4.5%

World Acceptance+4.3%

Pathward Financial, Inc.-0.8%

By net margin

Atlanticus Holdings Corporation21.45%-5.9pp

Pathward Financial, Inc.21.3%-0.4pp

Credit Acceptance19.49%+6.5pp

Ally Financial16.47%—

World Acceptance6.61%-7.6pp

Carvana6.26%+2.8pp

Consumer Portfolio Services4.58%-0.1pp

Profile

Credit Acceptance Corporation is a specialized financial services company that provides automobile dealers with financing programs for consumers with impaired or limited credit histories. The company facilitates vehicle ownership by offering indirect lending solutions, enabling dealers to sell to subprime borrowers while providing consumers an opportunity to rebuild their credit profiles through reporting to national agencies.

Competitive position

A leading provider in the deep subprime auto finance market with a long-standing history of servicing high-risk consumer loans.

GeographiesUnited States

Customer segmentsSubprime Borrowers, Automotive Dealerships

Business modelIndirect Lending, Loan Servicing, Asset-backed Financing

SuppliersCapital Markets, Warehouse Credit Facilities, Credit Reporting Agencies

CustomersAutomobile Dealers, Subprime Vehicle Buyers

CountryUnited States of America

Listed1992

Employees2.2K

CEOVinayak R.

SectorFinancial Services

IndustryFinancial - Credit Services

Websitecreditacceptance.com

FilingsSEC EDGAR

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Questions, answered.

What is Credit Acceptance's market cap?: Credit Acceptance (CACC) has a market capitalization of $5.8B and trades on NASDAQ.
What is Credit Acceptance's revenue and profitability?: Credit Acceptance generated $2.3B in trailing twelve-month revenue with net income of $453.4M, representing a net margin of 19.5%, with free cash flow of $1.1B. These figures are based on the Q1 2026 filing.
Who are Credit Acceptance's competitors?: Credit Acceptance's key competitors include Ally Financial, Carvana, Consumer Portfolio Services, and others. These companies compete in similar markets and product categories.
Who does Credit Acceptance partner with?: Credit Acceptance's notable partners include FICO, Equifax, Experian, and others.
Where is Credit Acceptance headquartered?: Credit Acceptance is headquartered in United States of America and employs approximately 2,232 people. It has been publicly traded since 1992.