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Credit Acceptance Earnings Calls
| Release date | May 05, 2026 |
| EPS estimate | $10.61 |
| EPS actual | $10.71 |
| EPS Surprise | 0.94% |
| Revenue estimate | 580.767M |
| Revenue actual | 580M |
| Revenue Surprise | -0.132% |
| Release date | Jan 29, 2026 |
| EPS estimate | $10.30 |
| EPS actual | $11.35 |
| EPS Surprise | 10.19% |
| Revenue estimate | 585.367M |
| Revenue actual | 579.9M |
| Revenue Surprise | -0.93% |
| Release date | Oct 30, 2025 |
| EPS estimate | $9.87 |
| EPS actual | $10.28 |
| EPS Surprise | 4.15% |
| Revenue estimate | 593.767M |
| Revenue actual | 576.4M |
| Revenue Surprise | -2.92% |
| Release date | Jul 31, 2025 |
| EPS estimate | $9.84 |
| EPS actual | $8.56 |
| EPS Surprise | -13.01% |
| Revenue estimate | 589.698M |
| Revenue actual | 575.6M |
| Revenue Surprise | -2.39% |
Last 4 Quarters for Credit Acceptance
Below you can see how CACC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 31, 2025 |
| Price on release | $490.28 |
| EPS estimate | $9.84 |
| EPS actual | $8.56 |
| EPS surprise | -13.01% |
| Date | Price |
|---|---|
| Jul 25, 2025 | $520.47 |
| Jul 28, 2025 | $515.33 |
| Jul 29, 2025 | $515.88 |
| Jul 30, 2025 | $504.55 |
| Jul 31, 2025 | $490.28 |
| Aug 01, 2025 | $447.51 |
| Aug 04, 2025 | $448.20 |
| Aug 05, 2025 | $450.94 |
| Aug 06, 2025 | $465.10 |
| 4 days before | -5.80% |
| 4 days after | -5.14% |
| On release day | -8.72% |
| Change in period | -10.64% |
| Release date | Oct 30, 2025 |
| Price on release | $452.38 |
| EPS estimate | $9.87 |
| EPS actual | $10.28 |
| EPS surprise | 4.15% |
| Date | Price |
|---|---|
| Oct 24, 2025 | $506.56 |
| Oct 27, 2025 | $503.11 |
| Oct 28, 2025 | $494.17 |
| Oct 29, 2025 | $459.29 |
| Oct 30, 2025 | $452.38 |
| Oct 31, 2025 | $447.34 |
| Nov 03, 2025 | $456.99 |
| Nov 04, 2025 | $429.76 |
| Nov 05, 2025 | $451.39 |
| 4 days before | -10.70% |
| 4 days after | -0.219% |
| On release day | -1.11% |
| Change in period | -10.89% |
| Release date | Jan 29, 2026 |
| Price on release | $451.24 |
| EPS estimate | $10.30 |
| EPS actual | $11.35 |
| EPS surprise | 10.19% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $445.42 |
| Jan 26, 2026 | $452.95 |
| Jan 27, 2026 | $437.72 |
| Jan 28, 2026 | $433.43 |
| Jan 29, 2026 | $451.24 |
| Jan 30, 2026 | $498.24 |
| Feb 02, 2026 | $511.43 |
| Feb 03, 2026 | $495.97 |
| Feb 04, 2026 | $507.26 |
| 4 days before | 1.31% |
| 4 days after | 12.41% |
| On release day | 10.42% |
| Change in period | 13.88% |
| Release date | May 05, 2026 |
| Price on release | $525.67 |
| EPS estimate | $10.61 |
| EPS actual | $10.71 |
| EPS surprise | 0.94% |
| Date | Price |
|---|---|
| Apr 29, 2026 | $500.62 |
| Apr 30, 2026 | $504.91 |
| May 01, 2026 | $504.84 |
| May 04, 2026 | $507.00 |
| May 05, 2026 | $525.67 |
| May 06, 2026 | $539.93 |
| May 07, 2026 | $522.87 |
| May 08, 2026 | $533.15 |
| May 11, 2026 | $521.74 |
| 4 days before | 5.00% |
| 4 days after | -0.748% |
| On release day | 2.71% |
| Change in period | 4.22% |
Credit Acceptance Earnings Call Transcript Summary of Q1 2026
Key points for investors:
- Strong reported results: GAAP net income of $135.8 million, or $12.40 per diluted share, and adjusted net income of $117.3 million, or $10.71 per diluted share for Q1 2026.
- Loan performance stabilized: Forecasted net cash flows from the loan portfolio declined modestly by $9.1 million (0.1%) — the smallest quarterly change in three years.
- Originations decline moderated: Unit originations fell 4.3% year-over-year (improved from a 9.1% decline last quarter); loan dollar volume declined 4.0% (versus 11.3% prior quarter).
- Portfolio and dealer footprint: Adjusted average loan portfolio remained ~ $8.9 billion year-over-year. The company financed ~96,000 contracts, collected nearly $1.5 billion, paid $47 million in dealer holdbacks, enrolled ~1,500 new dealers and reached a record 10,977 active dealers. Market share in the core used-subprime segment was ~4.5% for the first two months of the quarter (down from 5.2% year-over-year).
- Capital markets activity: Closed an ABS for $450 million at an all-in cost of 5.2%, the lowest credit spread since late 2021, with broad investor support.
- Cost and operating actions: Implemented a company-wide operating system to improve planning/execution and tightened costs, including a workforce reduction of ~6% following a resource allocation review. Management emphasized ongoing cost discipline while protecting investments in risk management, scalability, and customer experience.
- Strategic investments in leadership and technology: Hired a Chief Business Officer and Chief Sales Officer to sharpen pricing, analytics and dealer execution. Increased practical use of AI (e.g., AI-enabled call center agent handled ~5x more inbound calls quarter-over-quarter) to increase efficiency and decision quality.
- Risk and underwriting focus: Management is emphasizing more granular pricing, segmentation, and scorecard enhancements — and reiterated they will not pursue volume at the expense of economics.
- Credit reserve dynamics: The provision for credit losses includes adjustments driven by net present value changes in forecasted cash flows, with prepayment assumptions a meaningful driver of the provisioning outlook.
