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Credit Acceptance Corp (NASDAQ:CACC)
US · Delayed Price · Currency is USD
Financial Services · Financial - Credit Services
498.68+18.03 (+3.75%)
Market cap
$5.06B
Insider Score
Health Score
Analyst consensus
Listed since
Jun 5, 1992
Website
Insider Score
85/ 100
CACC Insider Score
Bullish1 qualifying trade · 1 insider · $1.46M bought in the last 90 days
Financial Health Score
Sound
From CACC’s reported statements · Q3 2026 (trailing 12 months)
Profitability17 / 20
Keeps a healthy share of every dollar it sells.
- Revenue
- $2.34B
- Net income
- $337.1M
- Net margin
- 14.4%
Leverage0 / 20
Heavily indebted for what it earns.
- Total debt
- $6.72B
- Cash
- $518.2M
- Net debt / EBITDA
- 6.99x
Liquidity20 / 20
Comfortably covers what is due within a year.
- Current assets
- $8.83B
- Current liabilities
- $654.2M
- Current ratio
- 13.49
Cash generation20 / 20
The business funds itself from operations.
- Operating cash flow
- $1.26B
- Free cash flow
- $1.26B
- FCF margin
- 53.6%
Dilution & runway20 / 20
Not funding itself by issuing shares.
- Shares outstanding
- 10.4M
- Share growth (1y)
- -7.4%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
CACC Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 594.60 M | 587.40 M | 580.00 M | 579.90 M | 576.40 M | 575.60 M |
| Revenue Growth (YoY) | 3.16 % | 2.05 % | 3.15 % | 3.98 % | 6.03 % | 8.34 % |
| Cost of Revenue | 428.50 M | 6.10 M | 6.50 M | 6.70 M | 220.40 M | 221.60 M |
| Gross Profit | 166.10 M | 581.30 M | 573.50 M | 573.20 M | 356.00 M | 354.00 M |
| SG&A Expense | 132.40 M | 56.00 M | 52.60 M | 0.00 | 61.10 M | 71.80 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 132.40 M | 305.30 M | 290.10 M | 266.60 M | 213.10 M | 244.40 M |
| Operating Income | 33.70 M | 276.00 M | 283.40 M | 306.60 M | 142.90 M | 109.60 M |
| Pretax Income | -73.50 M | 168.60 M | 175.00 M | 157.00 M | 148.90 M | 117.80 M |
| Tax Provision | -16.90 M | 32.70 M | 39.20 M | 35.00 M | 40.70 M | 30.40 M |
| Net Income | -56.60 M | 135.90 M | 135.80 M | 122.00 M | 108.20 M | 87.40 M |
| EPS (Basic) | -5.43 | 12.97 | 12.64 | 11.18 | 9.62 | 7.55 |
| EPS (Diluted) | -5.43 | 12.66 | 12.40 | 10.99 | 9.43 | 7.42 |
| Shares Outstanding | 10.42 M | 10.48 M | 10.74 M | 10.91 M | 11.25 M | 11.57 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.
Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.