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Credit Acceptance (CACC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 29, 2026 · Credit Acceptance (CACC) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $595M · 10¢ of every $1 of revenue lost · operating margin -12.4%
Credit Acceptance made $595M in Q3 2026 (+2% Y/Y). Operating margin -12.4%, net loss $56.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 29, 2026.
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What changed this quarter
Revenue was $594.6M in Q3 2026, up 2% year over year and up 1% from the previous quarter.
Operating costs exceeded revenue by $73.5M, an operating margin of -12.4%. Total costs grew 54% against revenue growth of 2%. The fastest-growing cost line was Other operating costs (+64%). The quarter ended with a net loss of $56.6M, after a profit of $135.9M the previous quarter.
Operating cash flow was $335.5M (up 12% year over year). Non-cash charges added back $500K of depreciation and $10.6M of share-based compensation. Working capital and other items added $381.0M. Capital expenditures of $1.4M left free cash flow of $334.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 29, 2026 | $595M | +2% | -12.4% | −$56.6M | $336M |
| Q2 2026 | 10-Q | Aug 4, 2026 | $587M | +0.6% | 28.7% | $136M | $310M |
| Q1 2026 | 10-Q | May 5, 2026 | $580M | +2% | 30.2% | $136M | $347M |
| Q4 2025 | 10-K | Feb 13, 2026 | $580M | +2% | 27.1% | $122M | $269M |
| Q3 2025 | 10-Q | Oct 30, 2025 | $582M | +6% | 25.6% | $108M | $299M |
| Q2 2025 | 10-Q | Jul 31, 2025 | $584M | +8% | 20.2% | $87.4M | $140M |
| Q1 2025 | 10-Q | Apr 30, 2025 | $571M | +12% | 24.8% | $106M | $346M |
Charts
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Credit Acceptance
Credit Acceptance Corporation (referred to as the “Company”, “Credit Acceptance”, “we”, “our” or “us”) makes vehicle ownership possible by providing innovative financing solutions that enable automobile dealers to sell vehicles to consumers, regardless of their credit history. Our financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for our financing programs, but who actually end up qualifying for traditional financing.
In its own words, from its 10-K, filed Feb 13, 2026.
Credit Acceptance against its Personal Credit Institutions peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +8%. Operating margin: -12.4% against the peers' median 15.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CACC Credit Acceptance | Q3 2026 | $595M | +2% | -12.4% |
| OMF OneMain Holdings | Q3 2026 | $1.4B | +10% | 17.2% |
| AFRM Affirm Holdings | Q1 FY27 | $1.3B | +35% | 14.8% |
| BFH Bread Financial Holdings | Q3 2026 | $1.0B | +5% | 20.6% |
| ENVA Enova International | Q3 2026 | $1.0B | +26% | 24.5% |
| ATLC Atlanticus Holdings | Q3 2026 | $776M | +60% | 15.6% |
| HAPN Happen | Q3 2026 | $263M | -1% | 29.2% |
| RM Regional Management | Q3 2026 | $179M | +8% | 11.1% |
| WRLD World Acceptance | Q2 FY27 | $139M | +3% | 8.4% |
Source: Credit Acceptance 10-Q on SEC EDGAR · CIK 885550 · Personal Credit Institutions
13F: who owns CACC and who is buying
More on CACC
- How Credit Acceptance makes money: revenue by segment
- Credit Acceptance next earnings date and what analysts expect
- Credit Acceptance stock forecast, price target and fair value
- Who owns Credit Acceptance stock: holders, funds and Congress trades
- Credit Acceptance guidance and outlook
- Credit Acceptance recalls, complaints and regulation
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results
Compare CACC with
- Credit Acceptance vs Atlanticus Holdings (CACC vs ATLC)
- Credit Acceptance vs Enova International (CACC vs ENVA)
- Credit Acceptance vs Bread Financial Holdings (CACC vs BFH)
- Credit Acceptance vs Happen (CACC vs HAPN)
- Credit Acceptance vs Regional Management (CACC vs RM)
- Credit Acceptance vs World Acceptance (CACC vs WRLD)