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CA

Credit Acceptance Corporation (CACC)

NASDAQ • Financial Services

$558.9
+$17.64 (+3.3%)
Market open

Last close at October 22, 2026 at 20:00 UTC

Open$540.41
Previous Close$558.9
Day Range$540.41 - $560.9
Avg. Volume (3M)92.9K
Market Cap$5.6B
P/E Ratio12.0
52 Week Range
$401.9$668.86
Next EarningsIn 6 daysOct 29, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$587.4M100%
Gross Profitminus cost of goods$581.3M99%
Operating Incomeminus R&D and overhead$276M47%
Net Incomeminus taxes and the rest$135.9M23%

In plain terms: out of every $100 in revenue, Credit Acceptance Corporation keeps $23 as net profit.

Fundamentals & Financials

Revenue (TTM)
$2.3B
Net Income (TTM)
$501.9M
EPS (TTM)
$46.41
ROA (TTM)
5.82%
Current Ratio
21.22

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+10.2%Q1 2026$11.35
+0.9%Q2 2026$10.71
-0.7%Q3 2026$12.12
Next

Oct 29

in 6 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Miss -0.7%

Credit Acceptance’s revenue was essentially flat versus expectations in the second fiscal quarter of 2026, with results reported August 4, 2026, as both adjusted EPS and revenue came in line with consensus. Revenue totaled roughly $587.4 million, while adjusted EPS of $12.12 compared with $12.20 expected (-0.7%, in line) and revenue of $587.4 million compared with a $588.1 million estimate (-0.1%, in line). Within the quarter’s core earning profile, net interest income was about $443.8 million. Profitability included operating income of roughly $276.0 million, and net income rose ~56% year over year to about $135.9 million, up from $87.4 million a year ago, alongside adjusted EPS up ~42% from $8.56. On capital returns, the company repurchased about $141.4 million of stock during the period. For the next period, consensus calls for EPS of $12.36 on revenue of $594.6 million.

Next report — what to expect

Credit Acceptance Corporation (CACC) reports on October 29, 2026. Wall Street expects EPS of $12.36 on revenue of $594.2 million. For trailing context, revenue grew +2.1% year over year last quarter. CACC has beaten EPS in 4 of its 8 most recent quarters, making the EPS-versus-consensus comparison a key focus.

View full earnings history

About Credit Acceptance Corporation

Credit Acceptance Corporation trades on NASDAQ under CACC and operates in consumer lending within the financial services sector, centered on auto-related financing programs for dealers in the United States through a business that fits the Financial - Credit Services category. The company generated $2.3 billion of revenue in FY2025.

Name
Credit Acceptance Corporation
CEO
Vinayak R.
Website
www.creditacceptance.com
Industry
Financial Services
Year Founded
1972
Employees
2,314

Today's Snapshot

AI-generated

CACC opened 1.2% below yesterday's close, in line with a weaker sector. Credit Acceptance scheduled its third-quarter 2026 earnings release for October 29 after the market closes. CACC is due to report earnings on 29 October.

Trading Volume

Below 10d avg (61.3K)

13.7K

vs S&P 500 Today

Underperforming Market

-2.15%

Updated: October 23, 2026 at 14:38 UTC

Technical Indicators

3 Buy3 Neutral2 Sell
CACC exhibits a cautiously constructive technical picture, with price sitting above the 200-day averages and short-term moving averages supporting recent gains while several medium-term averages remain higher. Momentum readings are positive and OBV is firmly positive, indicating accumulation alongside steady volatility around a mid-single-digit percent ATR. Trend strength is moderate but not extreme, and oscillators are mixed around neutral, leaving room for further confirmation. The classic pivot sits in proximity, offering a nearby reference. Technical takeaway: Buy.
All signals
  • EMA (5 indicators)$530.85 - $561.06
    Buy
  • RSI (14)49.37
    Neutral
  • Stochastic %K (14, 3, 3)75.58
    Neutral
  • MACD Level (12, 26)-5.57
    Neutral

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