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Credit Acceptance CACC Q3 2025 earnings

Reported October 30, 2025 · After market close

Revenue$576.4MMiss by $17.4M
EPS$10.28Beat by $0.41
Revenue estimate$593.8M
EPS estimate$9.87

Next report

Aug 4, 2026 (In 5 days)
Revenue estimate$588.1M
EPS estimate$12.20

Financials

Q3 2025

Income statement

See full
Revenue$582.4M+5.8%
Net income$108.2M+37.3%
EPS (diluted)$9.43+48.5%

Balance sheet

See full
Cash & equivalents$498.8M-30.4%
Total equity$1.6B-4.1%
Total assets$8.6B-0.5%

Cash flow

See full
Operating cash flow$299.4M-5.8%
CapEx$600.0K+50.0%
Free cash flow$298.8M-5.8%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$5.25B-3.7%
P/E11.6×-17.2×
P/S2.3×-0.3×

Profitability

See full
Net margin19.7%+10.6pp
FCF margin47.3%-7.3pp

Returns & leverage

See full
Return on equity28.1%+16.8pp

Versus estimates

Revenue

Q1 2026$580.0MMiss by $766.7KQ4 2025$579.9MMiss by $5.5M
Q3 2025$576.4MMiss by $17.4M
Q2 2025$575.6MMiss by $14.1MQ1 2025$562.3MMiss by $4.9MQ4 2024$557.7MMiss by $7.0M

Diluted EPS

Q1 2026$10.71Beat by $0.10Q4 2025$11.35Beat by $1.05
Q3 2025$10.28Beat by $0.41
Q2 2025$8.56Miss by $1.28Q1 2025$8.66Miss by $1.65Q4 2024$12.26Beat by $4.56

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Questions, answered.

When did Credit Acceptance report Q3 2025 earnings?
Credit Acceptance (CACC) reported Q3 2025 earnings on October 30, 2025 after market close.
What were Credit Acceptance's Q3 2025 revenue and EPS?
Credit Acceptance reported revenue of $576.4M and eps of $10.28 for Q3 2025.
Did Credit Acceptance beat estimates in Q3 2025?
Revenue missed the consensus estimate of $593.8M by $17.4M. EPS beat the consensus estimate of $9.87 by $0.41.
How did Credit Acceptance's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.0% from $543.6M a year earlier and eps grew 61.9% from $6.35.
Where can I find Credit Acceptance's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0000885550-25-000124) directly on SEC EDGAR. The filing index links above go to sec.gov.