CREDIT ACCEPTANCE CORP (CACC) Earnings History & Surprises
NASDAQ:CACC • US2253101016
501.08 USD
+1.24 (+0.25%)
Last: Mar 12, 2026, 10:42 AM
Past quarterly earnings results for CREDIT ACCEPTANCE CORP (CACC), including EPS and revenue actuals, analyst estimates, and surprise percentages. This page focuses on historical performance (not forecasts).
Earnings Snapshot
Next Earnings Date
Release DateApr 28, 2026
PeriodQ1 / 2026
EPS Estimate$11.01
Revenue Estimate589.76M
Last Reported
Release DateJan 29, 2026
PeriodQ4 / 2025
EPS Reported$8.92
EPS Surprise -12.63%
Revenue Surprise -2.42%
Beat Rate
38%
EPS and Revenuebeats vs estimates
Quarterly Earnings Results
EPS & Revenue History (USD)
Actual vs estimated values, surprises, q2q growth and acceleration numbers for recent quarters.
| Quarter | EPS | EPS Est | EPS Surprise | EPS Q2Q | Revenue | Revenue Est | Revenue Surprise | Revenue Q2Q |
|---|---|---|---|---|---|---|---|---|
| Q4 2025 | 8.92 | 10.21 | -12.63% | -12.29% | 579.9M | 594.28M | -2.42% | 2.47% |
| Q3 2025 | 9.30 | 9.64 | -3.54% | 5.80% | 582.4M | 604.7M | -3.69% | 5.83% |
| Q2 2025 | 8.56 | 9.87 | -13.27% | -16.81% | 583.8M | 594.96M | -1.88% | 8.47% |
| Q1 2025 | 9.35 | 9.86 | -5.18% | 0.75% | 571.1M | 580.41M | -1.60% | 12.42% |
| Q4 2024 | 10.17 | 8.08 | 25.80% | 39.51% | 565.9M | 533.05M | 6.16% | 15.11% |
| Q3 2024 | 8.79 | 9.24 | -4.82% | 61.88% | 550.3M | 556.81M | -1.17% | 14.98% |
| Q2 2024 | 10.29 | 9.09 | 13.19% | 508.88% | 538.2M | 488.61M | 10.15% | 12.62% |
| Q1 2024 | 9.28 | 8.51 | 9.02% | 21.94% | 508M | 464.87M | 9.28% | 11.94% |
| Q4 2023 | 7.29 | 5.54 | 31.63% | -23.90% | 491.6M | 499.32M | -1.55% | 7.10% |
| Q3 2023 | 5.43 | 5.83 | -6.81% | -16.33% | 478.6M | 496.99M | -3.70% | 3.98% |
| Q2 2023 | 1.69 | 8.34 | -79.74% | -78.72% | 477.9M | 473.13M | 1.01% | 4.48% |
| Q1 2023 | 7.61 | 8.98 | -15.29% | -49.06% | 453.8M | 467.36M | -2.90% | -0.42% |
| Q4 2022 | 9.58 | 7.30 | 31.23% | -34.38% | 459M | 461.95M | -0.64% | -0.91% |
| Q3 2022 | 6.49 | 10.53 | -38.38% | -58.90% | 460.3M | 468.26M | -1.70% | -2.08% |
| Q2 2022 | 7.94 | 13.15 | -39.63% | -53.78% | 457.4M | 463.87M | -1.39% | -3.03% |
| Q1 2022 | 14.94 | 12.61 | 18.44% | 26.40% | 455.7M | 452.29M | 0.75% | 1.04% |
| Q4 2021 | 14.60 | 12.94 | 12.81% | 54.83% | 463.2M | 468.54M | -1.14% | 3.53% |
| Q3 2021 | 15.79 | 12.26 | 28.74% | 16.45% | 470.1M | 470.6M | -0.11% | 10.22% |
| Q2 2021 | 17.18 | 10.57 | 62.52% | 218.15% | 471.7M | 463.14M | 1.85% | 16.10% |
| Q1 2021 | 11.82 | 8.08 | 46.23% | 356.40% | 451M | 437.68M | 3.04% | 15.91% |
| Q4 2020 | 9.43 | 7.36 | 28.14% | - | 447.4M | 437.77M | 2.20% | - |
| Q3 2020 | 13.56 | 5.80 | 133.82% | - | 426.5M | 423.87M | 0.62% | - |
| Q2 2020 | 5.40 | 4.94 | 9.28% | - | 406.3M | 392.32M | 3.56% | - |
| Q1 2020 | -4.61 | 3.75 | -222.86% | - | 389.1M | 389.86M | -0.19% | - |
Notes
- EPS and Revenue values are non-GAAP when available, otherwise GAAP.
- Surprise % is (Actual - Estimate) / |Estimate|. Green indicates positive surprise, red negative.
- Q2Q % is quarter-over-quarter growth. Green indicates growth, red indicates decline.
- Green right border indicates acceleration for sales or earnings growth. Acceleration is the case when the current Q2Q is above the previous Q2Q.
Earnings Q2Q Performance Trends
EPS Historical Q2Q growth and Acceleration
Revenue Historical Q2Q growth and Acceleration
Surprise distribution (Last 4 Quarters)
EPS beat statistics
EPS beat (4)
0
Average EPS beat (4)
-8.66%
Max EPS beat (4)
-3.54%
Min EPS beat (4)
-13.27%
Revenue beat statistics
Revenue beat (4)
0
Average Revenue beat (4)
-2.40%
Max Revenue beat (4)
-1.60%
Min Revenue beat (4)
-3.69%
Analysis
In the last 4 quarters, CACC has not beaten EPS estimates in any release
CACC has not beaten revenue estimates in any of the last 4 earnings releases
In the last 4 quarters, CACC reported -8.7% below the EPS estimates on average.
In the last 4 quarters, CACC reported -2.4% below the revenue estimates on average.
CREDIT ACCEPTANCE CORP / CACC Earnings FAQ
Can you provide the last earnings date for CREDIT ACCEPTANCE CORP?
CREDIT ACCEPTANCE CORP (CACC) last reported earnings on 1/29/2026.
Did CREDIT ACCEPTANCE CORP (CACC) beat earnings estimates last quarter?
CREDIT ACCEPTANCE CORP (CACC) missed EPS estimates and missed revenue estimates in the most recent quarter.
What percentage of the time does CACC stock beat earnings estimates?
In the last 4 quarters, CREDIT ACCEPTANCE CORP (CACC) has beaten EPS estimates in 0 out of 4 releases.