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Credit Acceptance Corp. (CACC)
NASDAQ:CACC
Earnings Data
Report Date
May 04, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
10.61Last Year’s EPS
9.35Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a mixed picture: management highlighted operational and financial resilience (adjusted EPS growth, nearly 72,000 contracts financed, $1.3B collected, portfolio up 1% adjusted, product/technology progress and narrowing of sequential declines), but also acknowledged meaningful challenges (market share deterioration from 5.4% to 4.5%, declines in active dealers and per-dealer volume, YoY loan volume declines, vintage underperformance, higher initial provisions and below-normal prepayments). Management emphasized conservative underwriting, product fixes targeted at franchise and large independent dealers, and disciplined capital allocation.Company Guidance
Adjusted EPS Growth Despite Headwinds
Management reported growth in adjusted earnings per share for Q4 FY2025 even as loan performance and loan volumes declined (no explicit % provided).
Strong Contract Originations and Cash Collections
Financed nearly 72,000 contracts during the quarter and collected $1.3 billion in cash overall; paid $48 million in dealer holdback and accelerated dealer holdback.
Dealer Network Expansion
Enrolled over 1,200 new dealers in the quarter and maintained over 9,800 active dealers during the quarter (despite a slight YoY decline in active dealers).
Sequential Improvement in Volume Declines
Year-over-year declines narrowed sequentially: loan unit volume declined 9.1% (improved from a 16.5% decline last quarter) and loan dollar volume declined 11.3% (improved from a 19.4% decline last quarter).
Portfolio Size Positive on Adjusted Basis
Loan portfolio increased 1% year-over-year on an adjusted basis.
Narrowing of Forecast Cash Flow Decline
Change to forecast of future net cash flow improved sequentially with the rate of decline narrowing from a decrease of $58.6 million (0.5%) in Q3 to a decrease of $34.2 million (0.3%) in Q4.
Product and Technology Investments
Launched a new contract origination experience with RouteOne e-contracting integration, enhanced deal-structuring and F&I support for franchise and large independent dealers; investing in AI to improve servicing and customer service efficiency.
Workplace Recognition
Named one of America's Top 100 Most Loved Workplaces for the second consecutive year with a #6 ranking, supporting employee engagement and culture.
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 |
|---|---|---|---|
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% |
Apr 30, 2025 | $487.42 | $467.79 | -4.03% |
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 May 04, 2026, After Close (Confirmed).
What is Credit Acceptance Corp. (CACC) earnings time?
Credit Acceptance Corp. (CACC) earnings time is at May 04, 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 (Q1) is 10.61.