# Credit Acceptance (CACC) — Earnings

CACC · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/cacc/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q2 2026 |
| Period end | Jun 30, 2026 |
| EPS actual | $12.12 |
| EPS estimate | $12.20 |
| EPS surprise | −0.65% |
| Revenue surprise | −0.11% |
| Revenue | $587.4M |
| Revenue estimate | $588.1M |
| Reported | Aug 4, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/885550/000088555026000182/cacc-20260630.htm) |
| Earnings call | [Transcript](http://o.thsi.cn/dc-d-stock-america.teleconference/5d56773f-8c41-c18b-e615-4cd3dc14414f.html) |

Credit Acceptance reported Q2 2026 results on August 4, 2026. Earnings per share of $12.12 came in 0.65% below the $12.20 estimate, and revenue of $587.4 million was 0.11% below the $588.1 million consensus. Compared with Q2 2025, EPS rose 41.6% from $8.56, while revenue was up 0.6% from $583.8 million. Revenue was the highest in the table.

EPS has swung widely from quarter to quarter. The table's high was $15.79 in Q3 2021 and its low $1.69 in Q2 2023. Annual EPS was $38.95 in 2022, $24.79 in 2023, $39.91 in 2024 and $39.54 in 2025. Revenue has been steadier, rising every year from $1.83 billion in 2022 to $2.32 billion in 2025, up 26.5%. First-half 2026 EPS totals $22.83, 27.5% above the $17.91 a year earlier. Results against estimates have been mixed: 11 beats and nine misses over the last 20 quarters, including small misses in the two latest.

Credit Acceptance reported Q3 between October 30 and November 1 in each of the past five years. That points to around the end of October 2026 for the next report. It will show whether the year-over-year EPS gains of recent quarters carry on.

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q2 2026 | Aug 4, 2026 | $12.20 | $12.12 | -0.65% | $588.1M | $587.4M |
| Q1 2026 | May 5, 2026 | $10.73 | $10.71 | -0.20% | $580.8M | $580.0M |
| Q4 2025 | Jan 29, 2026 | $10.01 | $11.35 | 13.39% | $584.0M | $579.9M |
| Q3 2025 | Oct 30, 2025 | $9.87 | $10.28 | 4.11% | $593.8M | $582.4M |
| Q2 2025 | Jul 31, 2025 | $10.16 | $8.56 | -15.76% | $581.1M | $583.8M |
| Q1 2025 | Apr 30, 2025 | $9.67 | $9.35 | -3.28% | $567.2M | $571.1M |
| Q4 2024 | Jan 30, 2025 | $7.93 | $10.17 | 28.32% | $564.7M | $565.9M |
| Q3 2024 | Oct 30, 2024 | $9.21 | $10.17 | 10.41% | $548.1M | $550.3M |
| Q2 2024 | Jul 31, 2024 | $8.86 | $10.29 | 16.19% | $525.0M | $538.2M |
| Q1 2024 | Apr 30, 2024 | $9.13 | $9.28 | 1.61% | $497.7M | $508.0M |
| Q4 2023 | Jan 31, 2024 | $5.90 | $10.06 | 70.62% | $489.5M | $491.6M |
| Q3 2023 | Oct 30, 2023 | $5.71 | $5.43 | -4.95% | $487.2M | $478.6M |
| Q2 2023 | Aug 1, 2023 | $8.18 | $1.69 | -79.34% | $463.8M | $477.9M |
| Q1 2023 | May 1, 2023 | $8.21 | $7.61 | -7.27% | $458.1M | $453.8M |
| Q4 2022 | Jan 31, 2023 | $7.40 | $9.58 | 29.40% | $452.9M | $459.0M |
| Q3 2022 | Nov 1, 2022 | $10.33 | $6.49 | -37.15% | $459.1M | $460.3M |
| Q2 2022 | Aug 1, 2022 | $12.89 | $7.94 | -38.42% | $454.8M | $457.4M |
| Q1 2022 | May 2, 2022 | $12.04 | $14.94 | 24.08% | $443.4M | $455.7M |
| Q4 2021 | Jan 31, 2022 | $12.69 | $14.60 | 15.06% | $459.4M | $463.2M |
| Q3 2021 | Nov 1, 2021 | $11.74 | $15.79 | 34.54% | $461.4M | $470.1M |

## Frequently Asked Questions

### When did Credit Acceptance (CACC) last report earnings?

Credit Acceptance last reported on Aug 4, 2026, covering fiscal Q2 2026.

### Did CACC beat earnings estimates?

No. Credit Acceptance reported EPS of $12.12 for Q2 2026 against a $12.20 estimate — a 0.65% miss.

### How much revenue did CACC report last quarter?

Credit Acceptance reported $587.4M in revenue for Q2 2026, against a consensus estimate of $588.1M.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

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