Filing Flows › Credit Acceptance (CACC) › Q3 2026
Credit Acceptance (CACC) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 29, 2026
Credit Acceptance (CACC) reported revenue of $595M for the third quarter 2026 (Q3 2026), +2% from a year earlier and +1% from the quarter before. Operating margin was -12.4%, net loss $56.6M (9.5% of revenue).
Credit Acceptance, Q3 2026: revenue $595M (+2% year over year), operating margin -12.4%, net loss $56.6M, operating cash flow $336M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $595M | +1% | +2% |
| Operating profit | −$73.5M | -144% | -149% |
| Net earnings | −$56.6M | -142% | -152% |
| Operating cash flow | $336M | +8% | +12% |
| Free cash flow | $334M | +9% | +12% |
What changed
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.
Questions
What was Credit Acceptance's revenue in the third quarter 2026?
Credit Acceptance (CACC) reported revenue of $595M for the third quarter 2026 (Q3 2026), +2% from a year earlier and +1% from the quarter before.
Was Credit Acceptance profitable in the third quarter 2026?
Operating loss was $73.5M (-12.4% of revenue) and net loss $56.6M.
Source: Credit Acceptance 10-Q on SEC EDGAR.