Credit Acceptance (CACC) to Post Earnings on Thursday

Credit Acceptance (NASDAQ:CACC) is expected to post its Q2 2026 results after the market closes on Thursday, July 30th. Analysts expect Credit Acceptance to announce earnings of $12.20 per share and revenue of $588.0670 million for the quarter. Interested persons can find conference call details on the company’s upcoming Q2 2026 earning overview page for the latest details on the call scheduled for Thursday, July 30, 2026 at 5:00 PM ET.

Credit Acceptance (NASDAQ:CACC) last posted its quarterly earnings results on Tuesday, May 5th. The credit services provider reported $10.71 earnings per share for the quarter, missing analysts’ consensus estimates of $10.73 by ($0.02). Credit Acceptance had a net margin of 19.49% and a return on equity of 29.95%. The company had revenue of $406.00 million during the quarter, compared to analyst estimates of $580.77 million. During the same period last year, the company earned $9.35 EPS. The business’s revenue for the quarter was up 1.6% compared to the same quarter last year. On average, analysts expect Credit Acceptance to post $48 EPS for the current fiscal year and $54 EPS for the next fiscal year.

Credit Acceptance Stock Down 2.0%

NASDAQ:CACC opened at $606.22 on Thursday. The stock’s fifty day simple moving average is $589.16 and its 200-day simple moving average is $518.16. The firm has a market capitalization of $6.34 billion, a P/E ratio of 15.07 and a beta of 1.36. The company has a quick ratio of 13.62, a current ratio of 13.62 and a debt-to-equity ratio of 4.09. Credit Acceptance has a 12-month low of $401.90 and a 12-month high of $668.86.

Insider Activity

In other news, insider Nicholas J. Elliott sold 3,487 shares of the firm’s stock in a transaction dated Wednesday, June 24th. The stock was sold at an average price of $601.01, for a total transaction of $2,095,721.87. Following the sale, the insider owned 20,897 shares of the company’s stock, valued at $12,559,305.97. This trade represents a 14.30% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, COO Jonathan Lum sold 6,000 shares of the firm’s stock in a transaction dated Wednesday, June 24th. The stock was sold at an average price of $600.00, for a total value of $3,600,000.00. Following the sale, the chief operating officer directly owned 31,609 shares in the company, valued at approximately $18,965,400. This represents a 15.95% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last quarter, insiders sold 47,304 shares of company stock valued at $29,186,331. Company insiders own 6.10% of the company’s stock.

Institutional Trading of Credit Acceptance

A number of large investors have recently bought and sold shares of the business. Invesco Ltd. raised its holdings in Credit Acceptance by 32.6% during the 4th quarter. Invesco Ltd. now owns 19,304 shares of the credit services provider’s stock worth $8,561,000 after buying an additional 4,747 shares during the period. Corient Private Wealth LLC boosted its holdings in shares of Credit Acceptance by 33.6% in the fourth quarter. Corient Private Wealth LLC now owns 1,132 shares of the credit services provider’s stock valued at $502,000 after buying an additional 285 shares during the period. XTX Topco Ltd boosted its holdings in shares of Credit Acceptance by 149.1% in the fourth quarter. XTX Topco Ltd now owns 1,704 shares of the credit services provider’s stock valued at $756,000 after buying an additional 1,020 shares during the period. Smith Thomas W bought a new stake in shares of Credit Acceptance during the fourth quarter worth $42,083,000. Finally, Cetera Investment Advisers increased its position in shares of Credit Acceptance by 6.3% during the fourth quarter. Cetera Investment Advisers now owns 508 shares of the credit services provider’s stock worth $225,000 after acquiring an additional 30 shares in the last quarter. 81.71% of the stock is owned by institutional investors.

Analyst Upgrades and Downgrades

CACC has been the subject of several analyst reports. Stephens boosted their target price on Credit Acceptance from $450.00 to $540.00 and gave the stock an “equal weight” rating in a research report on Friday, April 17th. Zacks Research downgraded shares of Credit Acceptance from a “strong-buy” rating to a “hold” rating in a research report on Wednesday, May 13th. Weiss Ratings raised shares of Credit Acceptance from a “hold (c+)” rating to a “buy (b-)” rating in a research note on Thursday, July 16th. Finally, TD Cowen boosted their price objective on shares of Credit Acceptance from $500.00 to $575.00 and gave the company a “hold” rating in a report on Tuesday, July 7th. One equities research analyst has rated the stock with a Buy rating and three have issued a Hold rating to the company. According to data from MarketBeat, Credit Acceptance currently has an average rating of “Hold” and an average target price of $557.50.

About Credit Acceptance

Credit Acceptance Corporation, founded in 1972 and headquartered in Southfield, Michigan, is a specialty finance company focused on the indirect automotive lending market. The company partners with independent and franchised auto dealers to facilitate purchase financing for consumers who may not qualify for traditional prime auto loans. By purchasing retail installment contracts originated by these dealers, Credit Acceptance provides capital and credit insurance to support vehicle sales, enabling dealers to broaden their customer base and reduce credit risk.

Through its proprietary underwriting platform and risk management strategies, Credit Acceptance evaluates borrower applications, structures credit plans, and retains servicing rights on the acquired contracts.