# Credit Acceptance Corp: overview

CACC · Nasdaq · CIK 885550 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/cacc.md) · [Financials](/companies/cacc/financials.md) · [Filings](/companies/cacc/filings.md) · [Insiders](/companies/cacc/insiders.md)

Latest reported revenue: [$594.6m](/filings/0000885550-26-000201.md) for Q3 FY2026, three months to 2026-09-30, from the 10-Q filed Oct 29, 2026 (XBRL us-gaap:Revenues, accession 0000885550-26-000201).

## Last eight quarters

| Line item | Unit | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) | Q3 FY2026 (2026-09-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [566 d](/filings/0000885550-26-000047.md) | [571](/filings/0000885550-26-000080.md) | [584](/filings/0000885550-26-000182.md) | [582](/filings/0000885550-26-000201.md) | [580 d](/filings/0000885550-26-000047.md) | [580](/filings/0000885550-26-000080.md) | [587](/filings/0000885550-26-000182.md) | [595](/filings/0000885550-26-000201.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [26.8% d](/filings/0000885550-26-000047.md) | [18.6%](/filings/0000885550-26-000080.md) | [15.0%](/filings/0000885550-26-000182.md) | [18.6%](/filings/0000885550-26-000201.md) | [21.0% d](/filings/0000885550-26-000047.md) | [23.4%](/filings/0000885550-26-000080.md) | [23.1%](/filings/0000885550-26-000182.md) | [(9.5%)](/filings/0000885550-26-000201.md) |
| Diluted EPS | $ per share | not reported | [8.66](/filings/0000885550-26-000080.md) | [7.42](/filings/0000885550-26-000182.md) | [9.43](/filings/0000885550-26-000201.md) | not reported | [12.40](/filings/0000885550-26-000080.md) | [12.66](/filings/0000885550-26-000182.md) | [(5.43)](/filings/0000885550-26-000201.md) |
| Free cash flow | $m | [306 d](/filings/0000885550-26-000047.md) | [346](/filings/0000885550-26-000080.md) | [139 d](/filings/0000885550-26-000182.md) | [299 d](/filings/0000885550-26-000201.md) | [269 d](/filings/0000885550-26-000047.md) | [346](/filings/0000885550-26-000080.md) | [308 d](/filings/0000885550-26-000182.md) | [334 d](/filings/0000885550-26-000201.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 12-month figure less the 9-month figure; 6-month figure less the 3-month figure; 9-month figure less the 6-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [1,856](/filings/0000885550-24-000030.md) | [1,832](/filings/0000885550-25-000012.md) | [1,902](/filings/0000885550-26-000047.md) | [2,162](/filings/0000885550-26-000047.md) | [2,317](/filings/0000885550-26-000047.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [51.6%](/filings/0000885550-24-000030.md) | [29.2%](/filings/0000885550-25-000012.md) | [15.0%](/filings/0000885550-26-000047.md) | [11.5%](/filings/0000885550-26-000047.md) | [18.3%](/filings/0000885550-26-000047.md) |
| Diluted EPS | $ per share | [59.52](/filings/0000885550-24-000030.md) | [39.32](/filings/0000885550-25-000012.md) | [21.99](/filings/0000885550-26-000047.md) | [19.88](/filings/0000885550-26-000047.md) | [36.38](/filings/0000885550-26-000047.md) |
| Free cash flow | $m | [1,062](/filings/0000885550-24-000030.md) | [1,236](/filings/0000885550-25-000012.md) | [1,200](/filings/0000885550-26-000047.md) | [1,136](/filings/0000885550-26-000047.md) | [1,053](/filings/0000885550-26-000047.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/cacc/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [Prescott General Partners LLC](/funds/1538653.md) | 2026-06-30 | $915.0m | 1,436,951 |  | Unchanged |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $408.8m | 642,097 |  | Added +410,464 |
| [Boston Partners](/funds/1386060.md) | 2026-06-30 | $365.1m | 573,616 |  | Added +13,408 |
| [Gobi Capital LLC](/funds/1698060.md) | 2026-06-30 | $228.0m | 358,067 |  | Unchanged |
| [BECK MACK & OLIVER LLC](/funds/10742.md) | 2026-06-30 | $194.8m | 305,983 |  | Reduced −3,001 |
| [WELLINGTON MANAGEMENT GROUP LLP](/funds/902219.md) | 2026-06-30 | $165.6m | 260,084 |  | Added +1,186 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $151.2m | 237,444 |  | Added +6,729 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $143.4m | 225,244 |  | Added +52,857 |
| [Universal- Beteiligungs- und Servicegesellschaft mbH](/funds/2057170.md) | 2026-06-30 | $136.1m | 213,684 |  | Reduced −17,647 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $132.7m | 208,412 |  | Reduced −4,619 |

## Recent filings

[All 1,659 filings](/companies/cacc/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-29 | 16:04 ET | [10-Q](/filings/0000885550-26-000201.md) | Quarterly report, period 2026-09-30 | 0000885550-26-000201 |
| 2026-10-29 | 16:02 ET | [8-K](/filings/0000885550-26-000200.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0000885550-26-000200 |
| 2026-09-21 | 16:02 ET | [8-K](/filings/0000885550-26-000195.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation; 8.01 Other events; 9.01 Financial statements and exhibits | 0000885550-26-000195 |
| 2026-09-18 | 17:29 ET | [8-K](/filings/0000885550-26-000192.md) | 1.01 Entry into a material agreement; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000885550-26-000192 |
| 2026-09-04 | 16:01 ET | [8-K](/filings/0000885550-26-000189.md) | 5.02 Departure or appointment of officers or directors | 0000885550-26-000189 |
| 2026-08-25 | 16:03 ET | [8-K](/filings/0000885550-26-000185.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation; 8.01 Other events; 9.01 Financial statements and exhibits | 0000885550-26-000185 |
| 2026-08-04 | 16:05 ET | [10-Q](/filings/0000885550-26-000182.md) | Quarterly report, period 2026-06-30 | 0000885550-26-000182 |
| 2026-08-04 | 16:03 ET | [8-K](/filings/0000885550-26-000181.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0000885550-26-000181 |
| 2026-07-24 | 17:15 ET | [8-K](/filings/0000885550-26-000173.md) | 5.02 Departure or appointment of officers or directors | 0000885550-26-000173 |
| 2026-07-22 | 16:02 ET | [8-K](/filings/0000885550-26-000170.md) | 5.02 Departure or appointment of officers or directors | 0000885550-26-000170 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0000885550-26-000047.md), filed Feb 13, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, has been scored from the reported figures. [See the target](/leagues/2026q3/targets/cce3cfd0-261c-451b-a33f-a597dcfcc0d7)

## About the filer

- CIK: 885550
- Tickers: CACC
- Exchange: Nasdaq
- SIC code: 6141 Personal Credit Institutions
- State of incorporation: MI
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 29, 2026, 16:40 ET. No prices; not investment advice.