C CACC

Credit Acceptance Corp

$605.36

+0.19% (+$1.12)

Volume 63,901

52W High $668.86

52W Low $401.90

Market Cap $6.09B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$12.21

Whisper EPS

$12.49

2.3% above consensus

Last Quarter

$12.12

Current Streak

3 Beats

Avg Surprise (4Q)

+1.85%

Next Earnings Report

Reports in 43 days

Report Date Oct 29, 2026

Whisper Spread +2.31%

Consensus Estimate

$12.21

Official analyst average

Whisper Number

$12.49

What traders expect

Bullish Sentiment: The whisper number is 2.3% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 11 quarters

Price Movement Around Earnings

Q2 2026 Aug 4, 2026

1-Day: +0.79%

Q2 2026 Jul 30, 2026

1-Day: +2.38%

5-Day: +5.79%

Q1 2026 May 5, 2026

1-Day: +2.71%

Q1 2026 May 4, 2026

1-Day: +3.68%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$579.9M	+4.0%	98.8%	52.9%	$122.0M
Q3'25	$576.4M	+6.0%	61.8%	24.8%	$108.2M
Q2'25	$575.6M	+8.3%	61.5%	19.0%	$87.4M
Q1'25	$562.3M	+12.1%	61.0%	23.9%	$106.3M
Q4'24	$557.7M	+14.9%	63.0%	32.9%	$151.9M
Q3'24	$543.6M	+15.0%	61.9%	18.4%	$78.8M
Q2'24	$531.3M	+12.4%	62.2%	-7.3%	-$47.1M
Q1'24	$501.7M	+11.7%	62.5%	16.0%	$64.3M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q2 2026	Aug 4, 2026	$11.85	$12.40	$12.12	+2.28%	Missed
Q2 2026	Jul 30, 2026	$11.85	$12.46	$12.12	+2.28%	Missed
Q1 2026	May 5, 2026	$10.51	$9.61	$10.71	+1.90%	Beat
Q1 2026	May 4, 2026	$10.61	$10.68	$10.71	+0.94%	Met
Q1 2026	Apr 29, 2026	$10.51	$10.66	--	--	--
Q4 2025	Jan 29, 2026	$9.85	$10.37	$11.35	+15.23%	Beat
Q3 2025	Oct 30, 2025	$9.45	$9.77	$10.28	+8.78%	Beat
Q3 2025	Oct 29, 2025	$9.52	$9.67	$10.28	+7.98%	Beat
Q2 2025	Jul 31, 2025	$9.83	$10.36	$8.56	-12.92%	Missed
Q1 2025	Apr 30, 2025	$9.67	$10.30	$9.35	-3.31%	Missed
Q4 2024	Jan 30, 2025	$7.93	$8.64	$10.17	+28.25%	Beat
Q3 2024	Oct 30, 2024	$9.05	$9.70	$8.79	-2.87%	Missed