Filing Flows › Credit Acceptance (CACC) › Q2 2026 › vs Q2 2025
Credit Acceptance (CACC) Q2 2026 vs Q2 2025 (year over year)
Credit Acceptance's revenue rose $3.6M (+0.6%) from $584M in Q2 2025 to $587M in Q2 2026. Operating margin 28.7% against 20.2% (+8.5 pts).
Credit Acceptance, Q2 2026: revenue $587M (+0.6% year over year), operating margin 28.7%, net earnings $136M, operating cash flow $310M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.7% | 20.2% | +8.5 pts |
| Net margin | 23.1% | 15.0% | +8.2 pts |
| Free cash flow margin | 52.4% | 23.9% | +28.5 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $587M | $584M | $3.6M | +0.6% |
| Operating profit | $169M | $118M | $50.8M | +43% |
| Costs & expenses | $419M | $466M | −$47.2M | -10% |
| Pre-tax earnings | $169M | $118M | $50.8M | +43% |
| Sales & marketing | $29.9M | $26.6M | $3.3M | +12% |
| General & admin | $26.1M | $45.2M | −$19.1M | -42% |
| Other operating costs | $363M | $394M | −$31.4M | -8% |
| Net earnings | $136M | $87.4M | $48.5M | +55% |
| Income tax | $32.7M | $30.4M | $2.3M | +8% |
| Depreciation | $700K | $900K | −$200K | -22% |
| Share-based compensation | $8.7M | $12.7M | −$4.0M | -31% |
| Working capital & other | $164M | $38.7M | $126M | +324% |
| Operating cash flow | $310M | $140M | $170M | +122% |
| Free cash flow (OCF − capex) | $308M | $139M | $168M | +121% |
| Capital expenditures | $1.6M | $300K | $1.3M | +433% |
Questions
How much did Credit Acceptance's revenue grow year over year in Q2 2026?
Credit Acceptance's revenue rose $3.6M (+0.6%) from $584M in Q2 2025 to $587M in Q2 2026. Operating margin 28.7% against 20.2% (+8.5 pts).