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Credit Acceptance CACC Q3 2026 earnings

Reported October 29, 2026 · After market close

Revenue$594.6MMiss by $1.8M
EPS$13.01Beat by $0.15
Revenue estimate$596.4M
EPS estimate$12.86
“During the third quarter, Consumer Loan unit and dollar volume grew 38% and 51%, respectively, both economic profit and adjusted net income experienced double-digit growth, and the number of active dealers reached an all-time high. One of the most encouraging aspects of this growth is that rather than relying on a single lever, our momentum is driven by our four-pronged strategy of customer obsession, segmentation, leveraging data and AI, and disciplined operating rhythms and practices. We believe execution of this strategy strengthens our forecasting, pricing, and operating processes and positions the Company to make more informed capital-allocation decisions.”
Vinayak Hegde

Next report

Date not yet announced

Financials

Q3 2026

Income statement

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Revenue$594.6M+2.1%
Net income-$56.6M-152%
EPS (diluted)-$5.43-158%

Balance sheet

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Cash & equivalents$1.3M-99.7%
Total equity$1.4B-12.0%
Total assets$8.9B+2.7%

Cash flow

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Operating cash flow$335.5M+12.1%
CapEx$1.4M+133%
Free cash flow$334.1M+11.8%

Valuation & ratios

Valuation

as of 10/30/26
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Market cap$5.98B+17.6%
P/E17.7×+6.5×
P/S2.6×+0.3×

Profitability

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Net margin14.4%-5.3pp
FCF margin53.6%+6.3pp

Returns & leverage

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Return on equity22.7%-5.4pp

FAQ

When did Credit Acceptance report Q3 2026 earnings?
Credit Acceptance (CACC) reported Q3 2026 earnings on October 29, 2026 after market close.
What were Credit Acceptance's Q3 2026 revenue and EPS?
Credit Acceptance reported revenue of $594.6M and eps of $13.01 for Q3 2026.
Did Credit Acceptance beat estimates in Q3 2026?
Revenue missed the consensus estimate of $596.4M by $1.8M. EPS beat the consensus estimate of $12.86 by $0.15.
How did Credit Acceptance's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 3.2% from $576.4M a year earlier and eps grew 26.6% from $10.28.
Where can I find Credit Acceptance's Q3 2026 SEC filings?
You can read the 8-K earnings release (0000885550-26-000200) and the 10-Q periodic report (0000885550-26-000201) directly on SEC EDGAR. The filing index links above go to sec.gov.