Zacks Investment Research·Jun 23, 2026
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Credit Acceptance Corporation(CACC)Earnings, Financials & Key Ratios
CACC•NASDAQ
$646.58
17.2× P/E·Price updated Jul 7, 2026
AboutCredit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.Show more
- EBITDA$1.13B+221.0%
- Net Income$424M+71.0%
- EPS (Diluted)37.55+88.9%
- Gross Margin98.75%+58.2%
- EBITDA Margin48.88%+195.6%
- Operating Margin47.63%+212.7%
- Net Margin18.29%+57.5%
- ROE25.9%+83.0%
CACC Price & Volume
Credit Acceptance Corporation (CACC) stock price & volume — 10-year historical chart
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Subprime Lending Volatility Masks Underlying Cash Generation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Mixed
Cash Flow:Robust
Primary Risk:Credit provision volatility
Key Thesis Takeaways
- Credit Acceptance Corporation demonstrates a unique business model characterized by consistent revenue growth, reaching $580.0 million in 2026Q1, though profitability remains highly sensitive to credit provision adjustments that caused net income to swing from a $47.1 million loss in 2024Q2 to $135.8 million in 2026Q1.
- While the company maintains a robust free cash flow profile, investors should monitor the reliance on securitization markets, evidenced by total debt climbing to $6.4 billion by 2025Q4.
- The aggressive capital return strategy, highlighted by $262.2 million in quarterly buybacks during 2025Q2, suggests management prioritizes per-share value despite the inherent risks of subprime portfolio valuation.
Verdict Logic
while the company maintains a compelling P/FCF of 6.22, the extreme volatility in quarterly net income and the high debt-to-equity ratio of 4.17 warrant a cautious approach regarding long-term credit risk.
CACC Growth Metrics
Credit Acceptance Corporation (CACC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.9%
5 Years6.83%
3 Years8.32%
TTM-
Profit CAGR
10 Years3.53%
5 Years0.14%
3 Years-7.51%
TTM56.4%
EPS CAGR
10 Years10.15%
5 Years9.85%
3 Years-1.52%
TTM71.67%
Return on Capital
10 Years11.57%
5 Years9.99%
3 Years7.55%
Last Year14.74%
CACC Recent Earnings
Credit Acceptance Corporation (CACC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (42%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$10.71+0.9%
$10.61
Rev
$580M-0.1%
$581M
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$11.35+10.2%
$10.30
Rev
$580M-0.9%
$585M
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$10.28+4.2%
$9.87
Rev
$576M-2.9%
$594M
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$8.56-13.0%
$9.84
Rev
$576M-2.4%
$590M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $10.71vs $10.61+0.9% | $580Mvs $581M-0.1% |
| Q1 2026 | Jan 29, 2026 | $11.35vs $10.30+10.2% | $580Mvs $585M-0.9% |
| Q4 2025 | Oct 30, 2025 | $10.28vs $9.87+4.2% | $576Mvs $594M-2.9% |
| Q3 2025 | Jul 31, 2025 | $8.56vs $9.84-13.0% | $576Mvs $590M-2.4% |
Based on last 12 quarters of dataView full earnings history →
Latest CACC News
Recent stock market news and headlines for Credit Acceptance Corporation (CACC)
Zacks Investment Research·Jun 22, 2026
3 Consumer Loan Stocks Poised to Gain From Improving Industry DynamicsWhile subdued asset quality and macro uncertainty are concerns, higher rates for long, digitization and easier lending criteria support the Zacks Consumer Loans industry. So, firms like CACC, ENVA and ECPG are poised to gain.
Peers Comparison
Key metrics vs top competitors for Credit Acceptance Corporation (CACC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $646.58 | $6.74B | 17.22 | 8.57% | 18.29% | 25.9% | — | |
| $45.40 | $13.92B | 19.16 | -25.75% | 8.92% | 9.19% | — | |
| $45.11 | $13.15B | 83.54 | 18.82% | 8.06% | 6% | — | |
| $199.11 | $923.93M | 28.94 | 3.7% | 5.98% | 9.36% | — | |
| $202.89 | $124.98B | 50.34 | 28.39% | 4.29% | 2.86% | — | |
| $76.77 | $25.82B | 8.26 | -7.91% | 18.08% | 21.41% | — |
Compare CACC vs Peers
Credit Acceptance Corporation (CACC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CACC SEC Filings & Documents
Credit Acceptance Corporation (CACC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Apr 3, 2026·SEC
Material company update
Jan 29, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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CACC Frequently Asked Questions
Credit Acceptance Corporation (CACC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Credit Acceptance Corporation's revenue?
Credit Acceptance Corporation (CACC) reported $2.31B in revenue for fiscal year 2025.
How fast is Credit Acceptance Corporation growing?
Credit Acceptance Corporation (CACC) grew revenue by 8.6% over the past year. This is steady growth.
Is CACC profitable?
Yes, Credit Acceptance Corporation (CACC) is profitable, generating $453.4M in net income for fiscal year 2025 (18.3% net margin).
Dividend & Returns
What is CACC's return on equity?
Credit Acceptance Corporation (CACC) has a return on equity (ROE) of 25.9%. This is excellent, indicating efficient use of shareholder capital.
What is Credit Acceptance Corporation's free cash flow?
Credit Acceptance Corporation (CACC) generated $1.05B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.