CACC · Credit Acceptance Corp
$587.27
+4.38 (+0.75%)
At close · Aug 14
Market Cap
$6.10B
Shares
10.38M
Credit Acceptance Corp Earnings Call Transcripts
Every quarterly earnings call for Credit Acceptance Corp (CACC) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▼2.1%
$460.30M
$86.80M
'22 Q3
22-11-01
▼0.9%
$459.00M
$127.30M
'22 Q4
23-01-31
▼0.4%
$453.80M
$99.50M
'23 Q1
23-05-01
▲4.5%
$477.90M
$22.20M
'23 Q2
23-08-01
▲4%
$478.60M
$70.80M
'23 Q3
23-10-30
▲7.1%
$491.60M
$93.60M
'23 Q4
24-01-31
▲11.9%
$508.00M
$64.30M
'24 Q1
24-04-30
▲12.6%
$538.20M
−$47.10M
'24 Q2
24-07-31
▲15%
$550.30M
$78.80M
'24 Q3
24-10-30
▲15.1%
$565.90M
$151.90M
'24 Q4
25-01-30
▲12.4%
$571.10M
$106.30M
'25 Q1
25-04-30
▲8.5%
$583.80M
$87.40M
'25 Q2
25-07-31
▲5.8%
$582.40M
$108.20M
'25 Q3
25-10-30
▲2.5%
$579.90M
$122.00M
'25 Q4
26-01-29
▲1.6%
$580.00M
$135.80M
'26 Q1
26-05-05
LATEST
▲0.6%
$587.40M
$135.90M
'26 Q2
26-08-04
Earnings call
FY26 · Q2
2026-08-04
Credit Acceptance Corp Q2 FY2026 Earnings Call
Confident tone
Management Transition
Dealer Segmentation and Franchise Dealers
Pricing and Scorecard Refinement
Revenue
$587.40M
▲ 0.6% YoY Diluted EPS
$12.66
▲ 70.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-05
Credit Acceptance Corp Q1 FY2026 Earnings Call
Positive tone
Dealer relationships and segmentation
Origination volume and market share
Provision for credit losses and prepayments
Revenue
$580.00M
▲ 1.6% YoY Diluted EPS
$12.40
▲ 43.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-29
Credit Acceptance Corp Q4 FY2025 Earnings Call
Balanced tone
Loan volume and franchise dealer declines
Capital allocation, leverage, and share repurchases
Dealer relationships and mission
Revenue
$579.90M*
▲ 2.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-30
Credit Acceptance Corp Q3 FY2025 Earnings Call
Cautious tone
Capital, leverage, and securitization
Competition and affordability
Dealer relationships and lending activity
Revenue
$582.40M
▲ 5.8% YoY Diluted EPS
$9.43
▲ 48.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-31
Credit Acceptance Corp Q2 FY2025 Earnings Call
Cautious tone
Loan performance and underperformance
Dealer network and mission
Loan mix and consumer profile
Revenue
$583.80M
▲ 8.5% YoY Diluted EPS
$7.42
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-30
Credit Acceptance Corp Q1 FY2025 Earnings Call
Balanced tone
Collections and forecast changes
Originations and volume growth
Dealer relationships and holdback
Revenue
$571.10M
▲ 12.4% YoY Diluted EPS
$8.66
▲ 70.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
Credit Acceptance Corp Q4 FY2024 Earnings Call
Balanced tone
Origination growth and volume
Forecasted collections / vintage performance
Adjusted yield and revenue
Revenue
$565.90M*
▲ 15.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-30
Credit Acceptance Corp Q3 FY2024 Earnings Call
Positive tone
Forecasted collections / vintage performance
Purchase vs. portfolio program economics
Hurricane impact on consumers
Revenue
$550.30M
▲ 15% YoY Diluted EPS
$6.35
▲ 16.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-31
Credit Acceptance Corp Q2 FY2024 Earnings Call
Cautious tone
Forecast adjustments and vintage underperformance
Yield and revenue outlook
Forecast methodology and modeling
Revenue
$538.20M
▲ 12.6% YoY Diluted EPS
$-3.83
▼ 326.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-30
Credit Acceptance Corp Q1 FY2024 Earnings Call
Balanced tone
Competitive environment
Forecasted collections and loan performance
Loan volume and growth
Revenue
$508.00M
▲ 11.9% YoY Diluted EPS
$5.08
▼ 33.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-31
Credit Acceptance Corp Q4 FY2023 Earnings Call
Balanced tone
Forecasted collection rate declines
Consumer health and macro uncertainty
Adjusted yield pressure
Revenue
$491.60M*
▲ 7.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-30
Credit Acceptance Corp Q3 FY2023 Earnings Call
Revenue
$478.60M
▲ 4% YoY Diluted EPS
$5.43
▼ 16.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-01
Credit Acceptance Corp Q2 FY2023 Earnings Call
Revenue
$477.90M
▲ 4.5% YoY Diluted EPS
$1.69
▼ 78.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-05-01
Credit Acceptance Corp Q1 FY2023 Earnings Call
Revenue
$453.80M
▼ 0.4% YoY Diluted EPS
$7.61
▼ 49.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-31
Credit Acceptance Corp Q4 FY2022 Earnings Call
Revenue
$459.00M*
▼ 0.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-11-01
Credit Acceptance Corp Q3 FY2022 Earnings Call
Revenue
$460.30M
▼ 2.1% YoY Diluted EPS
$6.49
▼ 58.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-08-01
Credit Acceptance Corp Q2 FY2022 Earnings Call
Revenue
$457.40M
▼ 3% YoY Diluted EPS
$7.94
▼ 53.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-05-02
Credit Acceptance Corp Q1 FY2022 Earnings Call
Revenue
$455.70M
▲ 1% YoY Diluted EPS
$14.94
▲ 26.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-31
Credit Acceptance Corp Q4 FY2021 Earnings Call
Revenue
$463.20M*
▲ 3.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-11-01
Credit Acceptance Corp Q3 FY2021 Earnings Call
Revenue
$470.10M
▲ 10.2% YoY Diluted EPS
$15.79
▲ 16.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-29
Credit Acceptance Corp Q2 FY2021 Earnings Call
Revenue
$471.70M
▲ 16.1% YoY Diluted EPS
$17.18
▲ 218.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-29
Credit Acceptance Corp Q1 FY2021 Earnings Call
Revenue
$451.00M
▲ 15.9% YoY Diluted EPS
$11.82
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-02-01
Credit Acceptance Corp Q4 FY2020 Earnings Call
Revenue
$447.40M
▲ 15.9% YoY Diluted EPS
$9.43
▲ 9.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-29
Credit Acceptance Corp Q3 FY2020 Earnings Call
Revenue
$426.50M
▲ 12.6% YoY Diluted EPS
$13.56
▲ 55.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-30
Credit Acceptance Corp Q2 FY2020 Earnings Call
Revenue
$406.30M
▲ 9.6% YoY Diluted EPS
$5.40
▼ 37.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-05-27
Credit Acceptance Corp Q1 FY2020 Earnings Call
Revenue
$389.10M
▲ 10% YoY Diluted EPS
$-4.61
▼ 153.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-30
Credit Acceptance Corp Q4 FY2019 Earnings Call
Revenue
$385.90M
▲ 12.6% YoY Diluted EPS
$8.60
▲ 10.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls