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Credit Acceptance vs Regional Management: CACC and RM compared
Credit Acceptance is the larger company: $595M of revenue in its latest quarter (Q3 2026) against $179M for Regional Management (Q3 2026). Regional Management is growing faster (+8% against +2% a year earlier). Regional Management is more profitable, with an operating margin of 11.1% against -12.4%.
Where the money goes: CACC and RM
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.
Regional Management (RM) · Q3 2026
Regional Management, Q3 2026: revenue $179M (+8% year over year), operating margin 11.1%, net earnings $15.1M, operating cash flow $82.5M. The chart follows the revenue to costs, profit and cash.
| Credit Acceptance (CACC) | Regional Management (RM) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $595M | $179M |
| Revenue growth, Y/Y | +2% | +8% |
| Operating margin | -12.4% | 11.1% |
| Net earnings | −$56.6M | $15.1M |
| Net margin | -9.5% | 8.5% |
| Operating cash flow | $336M | $82.5M |
| Free cash flow | $334M | $81.7M |
| Market value | $5.5B | — |
| P/E | 17.4× | — |
| Analysts’ mean target | $556.67 | — |
Questions
Which is bigger, Credit Acceptance or Regional Management?
Credit Acceptance is the larger company: $595M of revenue in its latest quarter (Q3 2026) against $179M for Regional Management (Q3 2026).
Is Credit Acceptance or Regional Management growing faster?
Regional Management is growing faster (+8% against +2% a year earlier).
Which is more profitable, Credit Acceptance or Regional Management?
Regional Management is more profitable, with an operating margin of 11.1% against -12.4%.
More: Credit Acceptance earnings · how Credit Acceptance makes money · Regional Management earnings · how Regional Management makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 29, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.