Credit Acceptance reported a GAAP net loss of $56.6 million, or $5.43 per diluted share, for the quarter ended September 30, 2026, compared with net income of $108.2 million, or $9.43 per diluted share, a year earlier. The decline was driven mainly by a $258.9 million increase in provision for credit losses, including $193.8 million tied to a forecasting methodology adjustment, while adjusted net income rose 14.9% to $135.5 million.
GAAP net loss of $56.6 million, or $5.43 per diluted share, versus net income of $108.2 million, or $9.43 per diluted share, in Q3 2025
Provision for credit losses rose $258.9 million, including $193.8 million from forecast changes tied to a Q3 2026 methodology adjustment
Forecasted net cash flows from the loan portfolio declined $291.2 million, or 2.5%
Consumer Loan unit volume rose 37.7% to 110,010 units and dollar volume rose 51.0% to $1.4 billion
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From Credit Acceptance's 10-Q and 10-K filings (SEC XBRL). YoY compares each quarter with the same quarter a year earlier; it is blank when the year-ago figure is missing or negative.
Annual results
Fiscal year
Revenue
Growth
EPS (diluted)
Growth
Net margin
FY2025
$2.32B
+7.2%
$36.38
+83.0%
18.3%
FY2024
$2.16B
+13.7%
$19.88
-9.6%
11.5%
FY2023
$1.90B
+3.8%
$21.99
-44.1%
15.0%
FY2022
$1.83B
-1.3%
$39.32
-33.9%
29.2%
FY2021
$1.86B
+11.2%
$59.52
+153.6%
51.6%
Frequently asked questions
When is Credit Acceptance's next earnings date?
Credit Acceptance has not announced a report date within the next three weeks. US companies usually report three to six weeks after each quarter ends; this page updates as soon as the date is on the calendar.
What did Credit Acceptance earn last quarter?
For the quarter ended Sep 2026, Credit Acceptance reported diluted EPS of $-5.43 (-157.6% year over year) on revenue of $594.60M (+2.1%).
Where do these numbers come from?
Reported revenue, net income and EPS come from the company's own 10-Q and 10-K filings with the SEC (XBRL data). The report date and consensus estimate come from the Nasdaq earnings calendar.
Not investment advice. Figures can be restated by the company in later filings.