Q3 FY2026 · ended Sep 30, 2026 · Revenue $594.60M, +2.1% YoY · Filed Oct 29, 2026
Credit Acceptance Corp (CACC) files with the SEC under industry code 6141, Personal Credit Institutions. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $594.6 million and a net loss of $56.6 million. Free cash flow was $334.1 million.
Revenue
$594.60M
+2.1% vs year-ago quarter
Net income
$-56.60M
-152.3% vs year-ago quarter
Operating cash flow
$335.50M
+12.1% vs year-ago quarter
Free cash flow
$334.10M
+11.8% vs year-ago quarter
EPS
$-5.43
-157.6% vs year-ago quarter
Dividend per share
None
Shares outstanding
10.14M
-8.1% vs year-ago quarter
Net cash
—
Operating margin
—
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- CACC (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- MI
- Headquarters
- Southfield, MI
- SEC filer status
- Large accelerated filer
- SEC CIK
- 885550
- Former names
- CREDIT ACCEPTANCE CORPORATION (until Jul 11, 2008)
Other Personal Credit Institutions companies
- Affirm Holdings, Inc. AFRM
- OneMain Holdings, Inc. OMF
- Nelnet Inc NNI
- Enova International, Inc. ENVA
- Bread Financial Holdings, Inc. BFH
- SLM Corp SLM
- Happen, Inc. HAPN
- Atlanticus Holdings Corp ATLC
Key figures
Fiscal-year totals from the annual reports; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $594.6M | $587.4M | $580.0M | $579.9M | $582.4M |
| Net income | -$56.6M | $135.9M | $135.8M | $122.0M | $108.2M |
| Diluted EPS | -$5.43 | $12.66 | $12.40 | $10.99 | $9.43 |
| Operating cash flow | $335.5M | $309.5M | $346.8M | $269.3M | $299.4M |
| Free cash flow | $334.1M | $307.9M | $345.5M | $268.9M | $298.8M |
| Total assets | $8.9B | $8.6B | $8.7B | $8.6B | $8.6B |
| Total liabilities | $7.5B | $7.0B | $7.2B | $7.1B | $7.1B |
| Stockholders' equity | $1.4B | $1.6B | $1.5B | $1.5B | $1.6B |
| Cash and investments | $130.4M | $118.0M | $135.1M | $22.8M | $124.8M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Oct 29, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 29, 2026 | Oct 29, 2026 |
| 8-K |
Current report
Material agreement, New debt, Other events
|
Sep 21, 2026 | Sep 15, 2026 |
| 8-K |
Current report
Material agreement, Regulation FD disclosure
|
Sep 18, 2026 | Sep 17, 2026 |
| 8-K |
Current report
Officer or director change
|
Sep 4, 2026 | Sep 3, 2026 |
| 8-K |
Current report
Material agreement, New debt, Other events
|
Aug 25, 2026 | Aug 20, 2026 |
All 1002 Credit Acceptance Corp SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.