Spoken Alpha
CACC
CREDIT ACCEPTANCE CORP
Overview
Credit Acceptance provides indirect auto financing to consumers with impaired or limited credit histories through a network of approximately 15,700 active dealers nationwide.
CREDIT ACCEPTANCE CORP is a Financial Services company operating in Credit Services with a $6.06B market cap.
Most recent reported earnings: Q2 FY2026 (Jul 29, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-05-068 Q&A exchanges
- Q4 FY2025Earnings2026-01-299 Q&A exchanges
- Q3 FY2025Earnings2025-10-3016 Q&A exchanges
- Q2 FY2025Earnings2025-07-3110 Q&A exchanges
- Q1 FY2025Earnings2025-04-3018 Q&A exchanges
- Q4 FY2024Earnings2025-01-3012 Q&A exchanges
- Q3 FY2024Earnings2024-10-3114 Q&A exchanges
- Q2 FY2024Earnings2024-08-0412 Q&A exchanges
- Q1 FY2024Earnings2024-04-304 Q&A exchanges
- Q4 FY2023Earnings2024-01-3110 Q&A exchanges
- Q3 FY2023Earnings2023-10-3011 Q&A exchanges
- Q2 FY2023Earnings2023-08-0121 Q&A exchanges
- Q1 FY2023Earnings2023-05-0123 Q&A exchanges
- Q4 FY2022Earnings2023-01-3132 Q&A exchanges
- Q3 FY2022Earnings2022-11-0110 Q&A exchanges
- Q2 FY2022Earnings2022-08-0129 Q&A exchanges
- Q1 FY2022Earnings2022-05-0218 Q&A exchanges
- Q4 FY2021Earnings2022-01-3127 Q&A exchanges
- Q3 FY2021Earnings2021-11-0118 Q&A exchanges
- Q2 FY2021Earnings2021-07-2917 Q&A exchanges
- Q1 FY2021Earnings2021-04-2912 Q&A exchanges
History
Earnings history
- Q2 FY20262026-07-29EPS— vs $11.85—Rev— vs ——EODHD
- Q1 FY20262026-05-03EPS$10.71 vs $10.61+0.9%Rev$580.0M vs ——EODHD
- Q4 FY20252026-01-28EPS$11.35 vs $10.01+13.4%Rev$579.9M vs ——EODHD
- Q3 FY20252025-10-28EPS$10.28 vs $9.52+8.0%Rev$576.4M vs ——EODHD
- Q2 FY20252025-07-30EPS$8.56 vs $9.83-12.9%Rev$575.6M vs ——EODHD
- Q1 FY20252025-04-29EPS$9.35 vs $9.67-3.3%Rev$562.3M vs ——EODHD
- Q4 FY20242025-01-29EPS$10.17 vs $7.93+28.2%Rev$557.7M vs ——EODHD
- Q3 FY20242024-10-29EPS$8.79 vs $9.05-2.9%Rev$543.6M vs ——EODHD
- Q2 FY20242024-07-30EPS$10.29 vs $8.91+15.5%Rev$531.3M vs ——EODHD
- Q1 FY20242024-04-29EPS$9.28 vs $8.35+11.1%Rev$501.7M vs ——EODHD
- Q4 FY20232024-01-30EPS$7.29 vs $5.43+34.3%Rev$485.4M vs ——EODHD
- Q3 FY20232023-10-29EPS$5.43 vs $5.71-4.9%Rev$472.8M vs ——EODHD
- Q2 FY20232023-07-31EPS$1.69 vs $8.18-79.3%Rev$472.6M vs ——EODHD
- Q1 FY20232023-04-30EPS$7.61 vs $8.81-13.6%Rev$449.0M vs ——EODHD
- Q4 FY20222023-01-30EPS$9.58 vs $7.16+33.8%Rev$455.4M vs ——EODHD
- Q3 FY20222022-10-31EPS$6.49 vs $10.33-37.2%Rev$457.8M vs ——EODHD
- Q2 FY20222022-07-31EPS$7.94 vs $12.89-38.4%Rev$455.8M vs ——EODHD
- Q1 FY20222022-05-01EPS$14.94 vs $12.37+20.8%Rev$455.4M vs ——EODHD
- Q4 FY20212022-01-30EPS$14.60 vs $12.69+15.0%Rev$462.6M vs ——EODHD
- Q3 FY20212021-10-31EPS$15.79 vs $12.02+31.4%Rev$469.7M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-07-29 | — | $11.85 | — | — | — | — | EODHD |
| Q1 FY2026 | 2026-05-03 | $10.71 | $10.61 | +0.9% | $580.0M | — | — | EODHD |
| Q4 FY2025 | 2026-01-28 | $11.35 | $10.01 | +13.4% | $579.9M | — | — | EODHD |
| Q3 FY2025 | 2025-10-28 | $10.28 | $9.52 | +8.0% | $576.4M | — | — | EODHD |
| Q2 FY2025 | 2025-07-30 | $8.56 | $9.83 | -12.9% | $575.6M | — | — | EODHD |
| Q1 FY2025 | 2025-04-29 | $9.35 | $9.67 | -3.3% | $562.3M | — | — | EODHD |
| Q4 FY2024 | 2025-01-29 | $10.17 | $7.93 | +28.2% | $557.7M | — | — | EODHD |
| Q3 FY2024 | 2024-10-29 | $8.79 | $9.05 | -2.9% | $543.6M | — | — | EODHD |
| Q2 FY2024 | 2024-07-30 | $10.29 | $8.91 | +15.5% | $531.3M | — | — | EODHD |
| Q1 FY2024 | 2024-04-29 | $9.28 | $8.35 | +11.1% | $501.7M | — | — | EODHD |
| Q4 FY2023 | 2024-01-30 | $7.29 | $5.43 | +34.3% | $485.4M | — | — | EODHD |
| Q3 FY2023 | 2023-10-29 | $5.43 | $5.71 | -4.9% | $472.8M | — | — | EODHD |
| Q2 FY2023 | 2023-07-31 | $1.69 | $8.18 | -79.3% | $472.6M | — | — | EODHD |
| Q1 FY2023 | 2023-04-30 | $7.61 | $8.81 | -13.6% | $449.0M | — | — | EODHD |
| Q4 FY2022 | 2023-01-30 | $9.58 | $7.16 | +33.8% | $455.4M | — | — | EODHD |
| Q3 FY2022 | 2022-10-31 | $6.49 | $10.33 | -37.2% | $457.8M | — | — | EODHD |
| Q2 FY2022 | 2022-07-31 | $7.94 | $12.89 | -38.4% | $455.8M | — | — | EODHD |
| Q1 FY2022 | 2022-05-01 | $14.94 | $12.37 | +20.8% | $455.4M | — | — | EODHD |
| Q4 FY2021 | 2022-01-30 | $14.60 | $12.69 | +15.0% | $462.6M | — | — | EODHD |
| Q3 FY2021 | 2021-10-31 | $15.79 | $12.02 | +31.4% | $469.7M | — | — | EODHD |
Source: EODHD. CACC reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks CACC's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 70% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.74 | $2.23 | +22.7% | -3.4% | -4.5% |
| Q4 FY2026 | $2.31 | $2.13 | +8.5% | +3.7% | +4.3% |
| Q3 FY2026 | $2.83 | $2.36 | +20.0% | +5.2% | +5.1% |
| Q2 FY2026 | $2.48 | $2.28 | +8.9% | +6.4% | +4.6% |
| Q1 FY2025 | $2.87 | $2.39 | +20.0% | -1.2% | +0.8% |
| Q4 FY2025 | $2.48 | $2.21 | +12.3% | -2.9% | -0.2% |
| Q3 FY2025 | $2.63 | $2.31 | +13.8% | -3.1% | -2.9% |
| Q2 FY2025 | $2.72 | $2.38 | +14.1% | -2.8% | -4.9% |
| Q1 FY2024 | $2.78 | $2.48 | +11.9% | -5.1% | -6.5% |
| Q4 FY2024 | $2.42 | $2.21 | +9.6% | -1.7% | -3.8% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Vinayak HegdeCEO7 mo2 callsCurrentSample
CEO since 2025 • 2/4 beats (50%) • guidance suspended Q3 FY2026
- Kenneth BoothCEO9 mo14 callsCurrentSample
CEO since 2025 • 3/4 beats (75%) • last guidance cut Q3 FY2026
- Jay D MartinCFO5 mo11 callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- Jonathan LumCOO10 mono recorded callsCurrentSample
COO since 2025 • 3/4 beats (75%) • last guidance raise Q2 FY2026
- Steffen SchumannChief Business Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 2/2 beats (100%) • last guidance raise Q3 FY2026
- Erin J KerberChief Legal Officer5 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • guidance suspended Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CACC.
$ curl https://api.spokenalpha.com/v1/companies/CACCFAQ
Frequently asked about CACC
Where can I find CREDIT ACCEPTANCE CORP's (CACC) earnings call transcripts?
Spoken Alpha indexes CACC's earnings call transcripts at https://spokenalpha.com/companies/CACC. Each call links to attributed speakers and parsed analyst Q&A. CREDIT ACCEPTANCE CORP's own investor relations page is at https://www.ir.creditacceptance.com/.
When was CREDIT ACCEPTANCE CORP's most recent earnings call?
CREDIT ACCEPTANCE CORP (CACC) held its most recent earnings call on 2026-05-06, covering fiscal Q1 2026.
What sector is CACC in?
CREDIT ACCEPTANCE CORP (CACC) operates in the Financial Services sector (Credit Services industry).