Filing Flows › Credit Acceptance (CACC) › Q2 2026
Credit Acceptance (CACC) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 4, 2026
Credit Acceptance (CACC) reported revenue of $587M for the second quarter 2026 (Q2 2026), +0.6% from a year earlier and +1% from the quarter before. Operating margin was 28.7%, net earnings $136M (23.1% of revenue).
Credit Acceptance, Q2 2026: revenue $587M (+0.6% year over year), operating margin 28.7%, net earnings $136M, operating cash flow $310M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $587M | +1% | +0.6% |
| Operating profit | $169M | -4% | +43% |
| Net earnings | $136M | +0.1% | +55% |
| Operating cash flow | $310M | -11% | +122% |
| Free cash flow | $308M | -11% | +121% |
What changed
Revenue was $587.4M in Q2 2026, up 1% year over year and up 1% from the previous quarter.
Operating profit was $168.6M, a 28.7% margin (up 8.5 points year over year). Of the extra revenue versus Q2 2025, 1411% reached operating profit, above the 20% margin then. Total costs fell 10% while revenue rose 1%. The fastest-growing cost line was Sales & marketing (+12%). Net earnings were $135.9M, up 55% year over year. The effective tax rate was 19.4%.
Operating cash flow was $309.5M (up 122% year over year), 228% of net earnings. Non-cash charges added back $700K of depreciation and $8.7M of share-based compensation. Working capital and other items added $164.2M. Capital expenditures of $1.6M left free cash flow of $307.9M.
Questions
What was Credit Acceptance's revenue in the second quarter 2026?
Credit Acceptance (CACC) reported revenue of $587M for the second quarter 2026 (Q2 2026), +0.6% from a year earlier and +1% from the quarter before.
Was Credit Acceptance profitable in the second quarter 2026?
Operating profit was $169M (28.7% of revenue) and net earnings $136M.
Source: Credit Acceptance 10-Q on SEC EDGAR.