Credit Acceptance (CACC) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $13.01
- Estimate
- $12.34
- Surprise
- +5.5%
- Revenue (period 2026-09-30)
- $594.6M
- Score at report (before → after)
- 6.7 → 6.8/10
Revenue source: xbrl.
How the report landed
Credit Acceptance (CACC) beat the $12.34 estimate with adjusted EPS of $13.01 — a clear 5.5% upside surprise. TrendMatrix's engine moved from Buy (Wait) (6.7/10) to Hold at 6.8/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates CACC Hold at 6.8/10.
4 of the last 4 quarters beat the estimate; this quarter's +5.5% surprise compares with a +6.2% four-quarter average.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=8.5 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Analyst target reached - limited upside remaining
- Leverage penalty (D/E 4.0): -1.5
- Target reached (-11.9% upside)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $575.78
- Stop
- $542.62
The stock trades at 12.7× trailing but 10.4× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 1.9× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-10-30 — shown for context, not personalized investment advice.
CACC at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $6.02B
- P/E (fwd)
- 10.4
- P/E (ttm)
- 12.7
- 52-week range
- $401.90–$668.86
- Off 52-week high
- 13.9%
- RSI (14)
- 61
- Volume vs avg
- 1.94×
- Score today
- 6.8/10