Credit Acceptance Corp. (CACC)
NASDAQ:CACC
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Earnings Data
Report Date
Aug 05, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
11.85Last Year’s EPS
8.56Same Quarter Last Year
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed cautious optimism: the company delivered solid GAAP and adjusted earnings, demonstrated stabilization in loan cash flows and origination declines, executed a capital raise at attractive spreads, and showed tangible early benefits from AI and a new operating cadence. At the same time, management acknowledged persistent challenges — market share erosion in the core segment, per-dealer volume declines, sizable provisions driven by timing and prepayment uncertainty, and a workforce reduction to rebase costs. Overall the positives (earnings, improved cash-flow stability, capital access, technology and operating improvements) modestly outweigh the negatives, but the company remains disciplined and cautious given competitive and macro risks.Company Guidance
Strong GAAP and Adjusted Earnings
GAAP net income of $135.8M, or $12.40 per diluted share, and adjusted net income of $117.3M, or $10.71 per diluted share, representing year-over-year growth in earnings for the quarter.
Stabilizing Loan Cash Flows
Forecasted net cash flows from the loan portfolio declined modestly by $9.1M (0.1%) — the smallest quarterly decline the company has seen in the past three years, indicating reduced volatility in portfolio performance.
Moderation in Origination Declines
Unit origination declines moderated to 4.3% year-over-year (from a 9.1% decline last quarter); loan dollar volume decline eased to 4.0% versus an 11.3% decline in Q4, suggesting improving origination momentum.
High Dealer and Transaction Activity
Financed nearly 96,000 contracts, collected nearly $1.5B in the quarter, enrolled over 1,500 new dealers and reached a record 10,977 active dealers, reflecting continued dealer engagement and scale.
Capital Markets Execution
Closed an ABS transaction raising $450M; all-in cost of 5.2% (vs. 5.1% in prior securitization) but achieved the lowest credit spread since late 2021 and broad investor support despite a volatile macro backdrop.
Technology and AI Productivity Gains
Practical AI deployments showed early operational leverage — an AI-enabled call center agent handled ~5x more inbound calls than the prior quarter, improving service capacity without proportional cost increases; AI also being used to analyze dealer interactions and enhance CRM insight.
Operating Discipline and Leadership Investment
Implemented a new company-wide operating system to improve planning and accountability; added two senior leaders (Chief Business Officer and Chief Sales Officer) to strengthen pricing, analytics and dealer sales execution.
Portfolio Size Stability
Average loan portfolio remained steady at an adjusted $8.9B year-over-year, indicating balance sheet stability amid origination headwinds.
CACC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CACC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 05, 2026 | $525.67 | $539.93 | +2.71% |
Jan 29, 2026 | $451.24 | $498.24 | +10.42% |
Oct 30, 2025 | $452.38 | $447.34 | -1.11% |
Jul 31, 2025 | $490.28 | $447.51 | -8.72% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Credit Acceptance Corp. (CACC) report earnings?
Credit Acceptance Corp. (CACC) is schdueled to report earning on Aug 05, 2026, After Close (Confirmed).
What is Credit Acceptance Corp. (CACC) earnings time?
Credit Acceptance Corp. (CACC) earnings time is at Aug 05, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CACC EPS forecast?
CACC EPS forecast for the fiscal quarter 2026 (Q2) is 11.85.