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
Revenue
Revenue & Expenses
CACC has released its 2025 Q4 earnings report, with revenue of 579.90M, reflecting a YoY change of 2.47%, and net profit of 122.00M, showing a YoY change of -19.68%. The Sankey diagram below clearly presents CACC's revenue sources and cost distribution.
Key Indicators
Credit Acceptance (CACC) key financial stats and ratios, covering profitability, financial health, and leverage.
Credit Acceptance (CACC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Breakdown
Credit Acceptance (CACC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Credit Acceptance (CACC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Credit Acceptance (CACC) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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Track Credit Acceptance (CACC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
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What were the key takeaways from Credit Acceptance’s earnings call?What is the market's earnings forecast for Credit Acceptance next quarter?Did Credit Acceptance beat or miss consensus estimates last quarter?What were the key takeaways from Credit Acceptance's earnings call?What is Credit Acceptance's gross profit margin?What is Credit Acceptance's latest dividend and current dividend yield?What guidance did Credit Acceptance's management provide for the next earnings period?What is the revenue and EPS growth rate for Credit Acceptance year over year?
