Equity Profile

CACC

Credit Acceptance Corporation

FinancialsConsumer Finance$6.0B

Jul30Thu

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

Credit Acceptance Corporation (CACC) operates in the consumer finance sector, providing financing solutions for car buyers. The company plays a crucial role in the auto finance market, helping consumers with limited credit access to purchase vehicles, which is significant in the current economic climate where consumer spending is under scrutiny.

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

Expected to be around $10.71.

Loan Originations

This metric reflects the company's ability to generate new business and expand its customer base, which is vital for growth.

Not available.

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

CACC Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

+0.82%

Avg Stock Reaction

+0.26%

Last Quarter Recap

In Q1-2026, CACC reported an EPS of $10.71, slightly beating expectations. The stock reacted positively, gaining 3.68% the following day.

Management Promises & Guidance

Management committed to maintaining strong loan origination levels.
They emphasized a focus on improving customer service.
Plans to enhance risk management strategies were highlighted.

Expectations

Wall Street Expectations

Overall, investors are cautiously optimistic about CACC's upcoming earnings, especially given its recent performance. However, concerns about rising delinquency rates and economic pressures could temper expectations.

Bull Case

If CACC continues its trend of beating EPS estimates and shows strong loan origination growth, it could signal robust demand and operational efficiency.

Bear Case

Conversely, if the company reports higher delinquency rates or misses EPS expectations, it could raise alarms about credit quality and future profitability.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $10.71.

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

Loan Originations

Not available.

This metric reflects the company's ability to generate new business and expand its customer base, which is vital for growth.

Delinquency Rates

Not available.

Monitoring delinquency rates is essential to assess the risk of defaults in the loan portfolio, impacting profitability.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026, and how does it compare to previous quarters?

EPS is a critical measure of profitability, and a strong performance could boost investor confidence.

How are delinquency rates trending, and what is the outlook for loan performance?

Understanding delinquency trends is vital for assessing credit risk and future profitability.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the impact of rising consumer demand for auto financing, which could lead to stronger-than-expected loan originations.

Supporting Evidence

Recent trends show increased consumer spending on vehicles, which may not be fully reflected in current estimates.

Options pricing suggests a larger move than historical averages, indicating heightened expectations.

Insider selling may indicate a lack of confidence in the stock's near-term performance, which contrasts with optimistic market sentiment.

Key Risk

If delinquency rates come in lower than expected, it could challenge the prevailing bearish outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's focus is on profitability and credit risk, which are crucial for sustaining growth in a challenging economic environment.

Bull Confirmed If

An EPS of $11.00 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $10.50, coupled with rising delinquency rates, would raise significant concerns about credit quality.

Pre-Earnings Positioning

Options Market

Implied Move

±10.29%

Historical Avg

±2.2%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±10.3% while CACC has averaged ±2.2% over the last 8 prints — setup is pricing rich.

Detail

30d HV

36.2%

Calls (0)P/C Ratio: 0.63Puts (500)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$12.5M

23,512 sh

5 insiders

Net

$12.5M

Net selling

Most Active Insiders· 20 open-market trades

Insider

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If CACC beats expectations, history suggests a potential stock increase of around 0.63%, confirming strong demand and operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may remain flat as investors await further clarity on future guidance.

Miss

A miss could lead to a decline of approximately 0.35%, indicating concerns over credit quality and future profitability.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan origination trends and how they compare to previous quarters.
2Insights on delinquency rates and risk management strategies.
3Management's outlook on consumer demand for auto financing.
4Any commentary on operational efficiency improvements.
5Details on competitive pressures in the auto finance market.

See the full picture

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Company Snapshot

Key Metrics to Watch

Earnings Per Share (EPS)

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

Expected to be around $10.71.

Loan Originations

This metric reflects the company's ability to generate new business and expand its customer base, which is vital for growth.

Not available.

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

CACC Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

63%

Avg EPS Surprise

+0.82%

Avg Stock Reaction

+0.26%

Last Quarter Recap

In Q1-2026, CACC reported an EPS of $10.71, slightly beating expectations. The stock reacted positively, gaining 3.68% the following day.

Management Promises & Guidance

Management committed to maintaining strong loan origination levels.
They emphasized a focus on improving customer service.
Plans to enhance risk management strategies were highlighted.

Expectations

Wall Street Expectations

Bull Case

If CACC continues its trend of beating EPS estimates and shows strong loan origination growth, it could signal robust demand and operational efficiency.

Bear Case

Conversely, if the company reports higher delinquency rates or misses EPS expectations, it could raise alarms about credit quality and future profitability.

Key Metrics to Watch

Earnings Per Share (EPS)

Expected to be around $10.71.

EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.

Loan Originations

Not available.

This metric reflects the company's ability to generate new business and expand its customer base, which is vital for growth.

Delinquency Rates

Not available.

Monitoring delinquency rates is essential to assess the risk of defaults in the loan portfolio, impacting profitability.

Expectations

Two Questions That Matter

The print will turn on these two things.

What will the EPS be for Q2-2026, and how does it compare to previous quarters?

EPS is a critical measure of profitability, and a strong performance could boost investor confidence.

How are delinquency rates trending, and what is the outlook for loan performance?

Understanding delinquency trends is vital for assessing credit risk and future profitability.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating the impact of rising consumer demand for auto financing, which could lead to stronger-than-expected loan originations.

Supporting Evidence

Recent trends show increased consumer spending on vehicles, which may not be fully reflected in current estimates.

Options pricing suggests a larger move than historical averages, indicating heightened expectations.

Insider selling may indicate a lack of confidence in the stock's near-term performance, which contrasts with optimistic market sentiment.

Key Risk

If delinquency rates come in lower than expected, it could challenge the prevailing bearish outlook.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's focus is on profitability and credit risk, which are crucial for sustaining growth in a challenging economic environment.

Bull Confirmed If

An EPS of $11.00 or higher would confirm strong operational performance and investor confidence.

Bear Confirmed If

An EPS below $10.50, coupled with rising delinquency rates, would raise significant concerns about credit quality.

Pre-Earnings Positioning

Options Market

Implied Move

±10.29%

Historical Avg

±2.2%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings report.

Options are pricing ±10.3% while CACC has averaged ±2.2% over the last 8 prints — setup is pricing rich.

Detail

30d HV

36.2%

Calls (0)P/C Ratio: 0.63Puts (500)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$12.5M

23,512 sh

5 insiders

Net

$12.5M

Net selling

Most Active Insiders· 20 open-market trades

Insider

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If CACC beats expectations, history suggests a potential stock increase of around 0.63%, confirming strong demand and operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may remain flat as investors await further clarity on future guidance.

Miss

A miss could lead to a decline of approximately 0.35%, indicating concerns over credit quality and future profitability.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any updates on loan origination trends and how they compare to previous quarters.
2Insights on delinquency rates and risk management strategies.
3Management's outlook on consumer demand for auto financing.
4Any commentary on operational efficiency improvements.
5Details on competitive pressures in the auto finance market.