Zacks Investment Research·5d ago
What's Next for CACC After Its Multistate Lending Settlement?Credit Acceptance settles a multistate investigation with $630M+ in debt relief, a $60M fund, and new consumer and dealer protections.
Credit Acceptance Corporation has undergone a strategic transformation, shifting from interest income to a fee-based model, with non-interest income now constituting 100% of total revenue in 2026Q2. This pivot has driven strong earnings growth, with EPS rising...
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Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
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| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Aug 4, 2026 | $12.12-0.7% vs $12.20 | $587M-0.1% vs $588M |
Q2 2026 May 5, 2026 | $10.71+0.9% vs $10.61 | $580M-0.1% vs $581M |
Q1 2026 Jan 29, 2026 | $11.35+10.2% vs $10.30 | $580M-0.9% vs $585M |
Q4 2025 Oct 30, 2025 | $10.28+4.2% vs $9.87 | $576M-2.9% vs $594M |
Credit Acceptance settles a multistate investigation with $630M+ in debt relief, a $60M fund, and new consumer and dealer protections.
Settlement resolves longstanding litigation, clarifies regulatory expectations, and does not require material changes to the Company's operations Settlement resolves longstanding litigation, clarifies regulatory expectations, and does not require material changes to the Company's operations
Engineers Gate Manager LP reduced its holdings in Credit Acceptance Corporation (NASDAQ: CACC) by 39.4% during the second quarter, according to the company in its most recent filing with the SEC. The fund owned 2,626 shares of the credit services provider's stock after selling 1,710 shares during the quarter. Engineers Gate Manager LP's
Southfield, Michigan, Sept. 15, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that we extended the date on which our $500.0 million revolving secured warehouse facility (the “Facility”) will cease to revolve from September 20, 2027 to September 15, 2028. The interest rate on borrowings under the Facility has been decreased from the Secured Overnight Financing Rate (“SOFR”) plus 185 basis points to SOFR plus 175 basis points.
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Key metrics vs top competitors for Credit Acceptance Corporation (CACC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $555.13 | $5.81B | 14.78 | -13.12% | 18.29% | 25.9% | — | |
| $38.58 | $11.74B | 16.28 | -35.42% | 9.18% | 9.42% | — | |
| $58.51 | $17.05B | 108.35 | 18.82% | 7.22% | 5.72% | — | |
| $170.07 | $792.6M | 24.72 | 2.6% | 6.65% | 11% | — | |
| $196.10 | $120.3B | 48.66 | 36.62% | 13.38% | 9.28% | — | |
| $70.67 | $22.99B | 7.61 | -7.09% | 22.03% | 20.94% | — |
Credit Acceptance Corporation (CACC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Credit Acceptance Corporation (CACC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 4, 2026·SEC
Jul 24, 2026·SEC
Jul 22, 2026·SEC
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Credit Acceptance Corporation (CACC) stock FAQ — growth, dividends, profitability & financials explained
Credit Acceptance Corporation (CACC) saw revenue decline by 13.1% over the past year.
Yes, Credit Acceptance Corporation (CACC) is profitable, generating $501.9M in net income for fiscal year 2025 (18.3% net margin).
Credit Acceptance Corporation (CACC) has a return on equity (ROE) of 25.9%. This is excellent, indicating efficient use of shareholder capital.
Credit Acceptance Corporation (CACC) has a net interest margin (NIM) of 17.8%. This indicates healthy earnings from lending activities.
Credit Acceptance Corporation (CACC) has an efficiency ratio of 51.1%. This is excellent, indicating strong cost control.
