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CACC CREDIT ACCEPTANCE CORP

Trailing twelve months to 2026-06-30 · as filed 2026-08-04, not restated
Financials

Scale

Market cap
$6.3bn
Revenue TTM
$2.3bn
Net income TTM
$502m
Free cash flow
$1.2bn
Composite score
65.8
Sector rank
#941

Valuation

P / E
12.5
EV / EBITDA
EV / sales
2.7
FCF yield
19.47%
Earnings yield vs 10-yr
3.27pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
21.5%
EBITDA margin
ROE
31.6%
ROIC
Revenue growth
2.6%

Insider activity, last 90 days

Net open-market
$-39.46m
Buyers
0
Sellers
6

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

For the three months ended June 30, 2026, consolidated net income was $135.9 million, or $12.66 per diluted share, compared to consolidated net income of $87.4 million, or $7.42 per diluted share, for the same period in 2025. The increase was primarily due to decreases in operating expenses and provision for credit losses. Our financial results for the three months ended June 30, 2026 included the following: • $8.0 billion average balance of our Loan portfolio, consistent with the second quarter of 2025. • Consumer Loan assignment unit volume declined 1.0% to 84,615 while dollar volume grew 0.1% to $1.0 billion, compared to the second quarter of 2025. …CREDIT ACCEPTANCE CORP, 10-Q, period ended 2026-06-30, filed 2026-08-04

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