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Credit Acceptance CACC Q2 2026 earnings

Reported August 4, 2026 · After market close

Revenue$587.4MMiss by $666.7K
EPS$12.12Miss by $0.08
Revenue estimate$588.1M
EPS estimate$12.20
“Our second quarter results reflect continued progress across the business, driven by improved profitability, strengthening origination trends, and continued momentum across our dealer network. We are encouraged by the progress we made during the quarter and remain focused on profitable growth, disciplined capital allocation, and maximizing long-term intrinsic value per share.”
Vinayak Hegde

Next report

Date not yet announced

Financials

Q2 2026

Income statement

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Revenue$587.4M+0.6%
Net income$135.9M+55.5%
EPS (diluted)$12.66+70.6%

Balance sheet

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Cash & equivalents$492.1M-12.7%
Total equity$1.6B+2.2%
Total assets$8.6B-1.2%

Cash flow

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Operating cash flow$309.5M+122%
CapEx$1.6M+433%
Free cash flow$307.9M+121%

Valuation & ratios

Valuation

as of 06/30/26
See full
Market cap$6.66B+12.6%
P/E13.3×-0.7×
P/S2.9×+0.3×

Profitability

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Net margin21.5%+2.9pp
FCF margin52.4%+3.6pp

Returns & leverage

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Return on equity31.9%+4.6pp

FAQ

When did Credit Acceptance report Q2 2026 earnings?
Credit Acceptance (CACC) reported Q2 2026 earnings on August 4, 2026 after market close.
What were Credit Acceptance's Q2 2026 revenue and EPS?
Credit Acceptance reported revenue of $587.4M and eps of $12.12 for Q2 2026.
Did Credit Acceptance beat estimates in Q2 2026?
Revenue missed the consensus estimate of $588.1M by $666.7K. EPS missed the consensus estimate of $12.20 by $0.08.
How did Credit Acceptance's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 2.1% from $575.6M a year earlier and eps grew 41.6% from $8.56.
Where can I find Credit Acceptance's Q2 2026 SEC filings?
You can read the 8-K earnings release (0000885550-26-000181) and the 10-Q periodic report (0000885550-26-000182) directly on SEC EDGAR. The filing index links above go to sec.gov.