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Credit Acceptance CACC Provision for Credit Losses

Provision for Credit Losses at other companies

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Affirm Holdings, Inc.AFRM
$196.54M+33.5%
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$95.58M-6.0%
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Deere & CompanyDE
$91M-13.3%
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Ford Motor CompanyF

Other financials

Income statement

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Revenue$580.0M+1.6%
Net income$135.8M+27.8%
EPS (diluted)$12.40+43.2%

Balance sheet

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Cash & equivalents$551.4M-50.8%
Total equity$1.5B-11.5%
Total assets$8.7B-6.1%

Cash flow

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Operating cash flow$346.8M+0.2%
CapEx$1.3M+333%
Free cash flow$345.5M-0.1%

Valuation

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Market cap$6.06B-26.7%

Profitability

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Net margin19.5%+6.5pp
FCF margin45.3%-7.4pp

Returns & leverage

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Return on equity28.1%+10.9pp
Debt / equity

Where this comes from

Reported directly by Credit Acceptance in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLossesExpensed.

The official record: Credit Acceptance’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Credit Acceptance's provision for credit losses?
Credit Acceptance (CACC) reported provision for credit losses of $139.6M in Q1 2026.
How has Credit Acceptance's provision for credit losses changed year-over-year?
Credit Acceptance's provision for credit losses decreased by 13.8% year-over-year, from $161.9M to $139.6M.
What is the long-term trend for Credit Acceptance's provision for credit losses?
Over 4 years (2021 to 2025), Credit Acceptance's provision for credit losses has grown at a 192.6% compound annual growth rate (CAGR), from $8.4M to $616.1M.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.