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Atlanticus Holdings vs Credit Acceptance: ATLC and CACC compared
Atlanticus Holdings is the larger company: $776M of revenue in its latest quarter (Q3 2026) against $595M for Credit Acceptance (Q3 2026). Atlanticus Holdings is growing faster (+60% against +2% a year earlier). Atlanticus Holdings is more profitable, with an operating margin of 15.6% against -12.4%.
Where the money goes: ATLC and CACC
Atlanticus Holdings (ATLC) · Q3 2026
Atlanticus Holdings, Q3 2026: revenue $776M (+60% year over year), operating margin 15.6%, net earnings $95.4M, operating cash flow $253M. The chart follows the revenue to costs, profit and cash.
Credit Acceptance (CACC) · 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 follows the revenue to costs, profit and cash.
| Atlanticus Holdings (ATLC) | Credit Acceptance (CACC) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $776M | $595M |
| Revenue growth, Y/Y | +60% | +2% |
| Operating margin | 15.6% | -12.4% |
| Net earnings | $95.4M | −$56.6M |
| Net margin | 12.3% | -9.5% |
| Operating cash flow | $253M | $336M |
| Free cash flow | — | $334M |
| Market value | $1.8B | $5.5B |
| P/E | 8.2× | 17.4× |
| Analysts’ mean target | $130.60 | $556.67 |
Questions
Which is bigger, Atlanticus Holdings or Credit Acceptance?
Atlanticus Holdings is the larger company: $776M of revenue in its latest quarter (Q3 2026) against $595M for Credit Acceptance (Q3 2026).
Is Atlanticus Holdings or Credit Acceptance growing faster?
Atlanticus Holdings is growing faster (+60% against +2% a year earlier).
Which is more profitable, Atlanticus Holdings or Credit Acceptance?
Atlanticus Holdings is more profitable, with an operating margin of 15.6% against -12.4%.
More: Atlanticus Holdings earnings · how Atlanticus Holdings makes money · Credit Acceptance earnings · how Credit Acceptance makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.