Every 10-Q that Credit Acceptance Corp (CACC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CACC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CACC filings page.
Credit Acceptance Corporation (CACC) reported third-quarter 2026 revenue of $594.6 million, compared with $582.4 million a year earlier, and a net loss of $56.6 million versus net income of $108.2 million. Total provision for credit losses was $410.9 million, compared with $152.0 million, including $281.9 million for forecast changes and $129.0 million for new Consumer Loan assignments. For the nine months ended September 30, 2026, net income was $215.1 million versus $301.9 million; net cash provided by operating activities was $991.8 million versus $785.3 million.
During the third quarter, Credit Acceptance adjusted its methodology for forecasting collections on Consumer Loans assigned from 2022 through 2026. The adjustment reduced forecasted net cash flows by $185.2 million, or 1.5%, and increased provision for credit losses by $143.7 million. The company repurchased 897,371 common shares for $481.9 million during the nine months ended September 30, 2026.
Credit Acceptance Corporation reported Q2 2026 revenue of $587.4 million (vs $583.8 million a year earlier) and net income of $135.9 million (vs $87.4 million), with diluted EPS of $12.66. For the first half, revenue was $1,167.4 million and net income $271.7 million.
Net loans receivable were $7,959.2 million as of June 30, 2026, supported by an allowance for credit losses of $3,649.5 million. Operating cash flow reached $656.3 million in the first half, while total debt carried was $6,286.2 million and shareholders’ equity $1,588.9 million.
The company continues to focus on subprime auto finance, with 79.2% of Q2 2026 Consumer Loan unit volume from borrowers with FICO scores below 650 or no score. Loans comprised $8,787.5 million of Dealer Loans and $2,821.2 million of Purchased Loans, under its Portfolio and Purchase Programs.
Credit Acceptance Corporation reported higher profitability for the quarter ended March 31, 2026. Total revenue was $580.0 million compared with $571.1 million a year earlier, driven mainly by finance charges of $538.4 million.
Net income increased to $135.8 million from $106.3 million, with basic earnings per share rising to $12.64 from $8.79, helped by lower provision for credit losses of $139.6 million and slightly lower interest expense. Operating expenses were broadly stable.
Loans receivable totaled $11,578.5 million with an allowance for credit losses of $3,622.1 million, and net loans of $7,956.4 million. Cash from operating activities was strong at $346.8 million. The company continued to return capital, repurchasing $178.9 million of common stock, and ended the period with total debt principal of $6,438.0 million and shareholders’ equity of $1,514.1 million.
Credit Acceptance Corporation reported stronger results for Q3 2025. Total revenue was $582.4 million, up from $550.3 million a year ago, driven mainly by higher finance charges of $539.4 million. Net income rose to $108.2 million from $78.8 million, with diluted EPS of $9.43 versus $6.35. Operating expenses were $146.6 million, while the total provision for credit losses decreased to $152.0 million from $184.7 million.
Year to date, revenue reached $1,737.3 million and net income was $301.9 million. The company repurchased 1,089,033 shares for $531.3 million over nine months, including 230,365 shares for $107.2 million in Q3. Cash and cash equivalents were $15.9 million as of September 30, 2025, and Loans receivable, net were $7,975.5 million. The allowance for credit losses was $3,588.2 million against Loans receivable of $11,563.7 million. The company issued $500.0 million of senior notes and repaid $400.0 million. Shares outstanding were 11,031,544 as of October 23, 2025.