CACC
Credit Acceptance·NASDAQ
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CACC fundamentals
Credit Acceptance (CACC) released its earnings on Jan 29, 2026: revenue was 579.90M (YoY +2.47%), missed estimates; EPS was 11.35 (YoY +11.60%), beat estimates.
Revenue / YoY
579.90M
+2.47%
EPS / YoY
11.35
+11.60%
Report date
Jan 29, 2026
CACC Earnings Call Summary for Q4,2025
- Mission-driven growth: New dealer experience for franchisees reduced origination friction, with Q4 2025 loan unit volume decline narrowing to 9.1% YoY.
- Financial resilience: 1% YoY portfolio growth despite 2.8% active dealer decline, supported by 4.5% market share in used subprime segment.
- Tech innovation: AI-powered customer service and RouteOne integration drove 0.3% sequential improvement in net cash flow decline.
- Challenges: 2023/2024 vintages underperformed due to inflation, with 0.4% and 0.2% declines respectively.
- Capital discipline: 2.8x leverage ratio, no change to buyback strategy despite Q4 activity.
EPS
Actual | -4.61 | 5.4 | 13.56 | 9.43 | 11.82 | 17.18 | 15.79 | 14.6 | 14.94 | 7.94 | 6.49 | 9.58 | 7.61 | 1.69 | 5.43 | 10.06 | 9.28 | 10.29 | 10.17 | 10.17 | 9.35 | 8.56 | 10.28 | 11.35 | ||||||||||
Forecast | 3.5756 | 4.8449 | 5.6854 | 7.215 | 7.925 | 10.3633 | 11.7367 | 12.6888 | 12.0404 | 12.8946 | 10.3263 | 7.4035 | 8.2065 | 8.18 | 5.7125 | 5.896 | 9.1333 | 8.8565 | 9.2114 | 7.9256 | 9.6673 | 10.1612 | 9.8738 | 10.0098 | ||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -228.93% | +11.46% | +138.51% | +30.70% | +49.15% | +65.78% | +34.54% | +15.06% | +24.08% | -38.42% | -37.15% | +29.40% | -7.27% | -79.34% | -4.95% | +70.62% | +1.61% | +16.19% | +10.41% | +28.32% | -3.28% | -15.76% | +4.11% | +13.39% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 389.10M | 406.30M | 426.50M | 447.40M | 451.00M | 471.70M | 470.10M | 463.20M | 455.70M | 457.40M | 460.30M | 459.00M | 453.80M | 477.90M | 478.60M | 491.60M | 508.00M | 538.20M | 550.30M | 565.90M | 571.10M | 583.80M | 582.40M | 579.90M |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 403.62M | 384.56M | 415.56M | 429.19M | 429.20M | 454.09M | 461.37M | 459.36M | 443.42M | 454.77M | 459.07M | 452.89M | 458.12M | 463.83M | 487.25M | 489.53M | 497.71M | 525.03M | 548.13M | 564.70M | 567.20M | 581.12M | 593.77M | 584.02M |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -3.60% | +5.65% | +2.63% | +4.24% | +5.08% | +3.88% | +1.89% | +0.84% | +2.77% | +0.58% | +0.27% | +1.35% | -0.94% | +3.03% | -1.78% | +0.42% | +2.07% | +2.51% | +0.40% | +0.21% | +0.69% | +0.46% | -1.91% | -0.71% |
Earnings Call
You can ask Aime
What is the revenue and EPS growth rate for Credit Acceptance year over year?What is the market's earnings forecast for Credit Acceptance next quarter?What is Credit Acceptance's latest dividend and current dividend yield?What is Credit Acceptance's gross profit margin?What were the key takeaways from Credit Acceptance’s earnings call?What guidance did Credit Acceptance's management provide for the next earnings period?What were the key takeaways from Credit Acceptance's earnings call?Did Credit Acceptance beat or miss consensus estimates last quarter?
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