Filing Flows › Credit Acceptance (CACC) › Q3 2026 › vs Q3 2025
Credit Acceptance (CACC) Q3 2026 vs Q3 2025 (year over year)
Credit Acceptance's revenue rose $12.2M (+2%) from $582M in Q3 2025 to $595M in Q3 2026.
Credit Acceptance, Q3 2026: revenue $595M (+2% year over year), operating margin -12.4%, net loss $56.6M, operating cash flow $336M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Free cash flow margin | 56.2% | 51.3% | +4.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $595M | $582M | $12.2M | +2% |
| Income tax benefit | $16.9M | −$40.7M | $57.6M | — |
| Net loss | $56.6M | −$108M | $165M | — |
| Costs & expenses | $668M | $582M | $85.7M | +15% |
| Operating costs | $668M | $434M | $235M | +54% |
| Sales & marketing | $29.4M | $24.8M | $4.6M | +19% |
| General & admin | $27.3M | $36.3M | −$9.0M | -25% |
| Other operating costs | $611M | $372M | $239M | +64% |
| Operating cash sources | $392M | $191M | $201M | +105% |
| Depreciation | $500K | $800K | −$300K | -38% |
| Share-based compensation | $10.6M | $12.1M | −$1.5M | -12% |
| Working capital & other | $381M | $178M | $203M | +114% |
| Net loss absorbed | $56.6M | −$108M | $165M | — |
| Operating cash flow | $336M | $299M | $36.1M | +12% |
| Free cash flow (OCF − capex) | $334M | $299M | $35.3M | +12% |
| Capital expenditures | $1.4M | $600K | $800K | +133% |
Questions
How much did Credit Acceptance's revenue grow year over year in Q3 2026?
Credit Acceptance's revenue rose $12.2M (+2%) from $582M in Q3 2025 to $595M in Q3 2026.