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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Credit Acceptance
Credit Acceptance (CACC) investor relations material
Credit Acceptance Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary29 Oct, 2026
Executive summary
Q3 Consumer Loan assignments rose 37.7% to 110,010 units and 51.0% to $1.4B; active Dealers reached a record 12,093, up 18.8% YoY.
Economic Profit increased 17.9% to $50.7M, or $4.87 per diluted share; adjusted net income rose 14.9% to $135.5M, or $13.01 per diluted share.
Q3 GAAP net loss was $56.6M, or $5.43 per diluted share, versus net income of $108.2M in Q3 2025; revised collection forecasts drove higher credit-loss provision.
Financial highlights
Revenue increased 2.1% to $594.6M; finance charges rose 2.1% to $550.9M.
Credit-loss provision rose 170.3% to $410.9M, including $281.9M on forecast changes and $129.0M on new assignments.
Operating expenses declined 9.7% to $132.4M, while interest expense fell 7.8% to $107.2M.
9M net income was $215.1M, down 28.8% YoY; diluted EPS was $19.92 versus $25.50.
Outlook and guidance
Q3 forecasting methodology enhancements incorporated added seasoning, performance history and more granular segmentation; forecasted net cash flows fell $291.2M, or 2.5%.
Forecasted collection rates declined for 2022–2026 assignments; revised rates for 2022–2026 were 59.2%, 62.4%, 63.6%, 64.9% and 65.3%, respectively.
Pricing and forecasting capabilities, customer focus, segmentation, data and AI remain central to maximizing long-term Economic Profit per share.
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Latest events from Credit Acceptance
- Net income surged 71% as digital progress and dealer engagement reached record highs.CACC
Q2 2026 - Q1 2026 profit surged 27.8% to $135.8M, with strong liquidity and digital growth amid ongoing risks.CACCQ1 2026
- Shareholders will vote on director elections, executive pay, and auditor ratification at the 2026 meeting.CACCProxy filing
- Annual meeting to address director elections, executive pay, auditor ratification, and ESG oversight.CACCProxy filing
- Adjusted net income per share rose 11.6% despite lower loan volumes and GAAP net income.CACCQ4 2025
- GAAP net loss, record loan growth, and a $147.2M forecast adjustment marked Q2 2024.CACCQ2 2024
- Net income up 11%, but adjusted profit fell as loan growth outpaced vintage performance.CACCQ3 2024
- Net income jumped 65% to $106.3M, but market share and loan volumes declined amid risks.CACCQ1 2025
- Q4 net income surged 62% year-over-year, but full-year profit fell as costs rose and growth slowed.CACCQ4 2024
Next Credit Acceptance earnings date
Q4 202629 Jan, 2027
Credit Acceptance
Next Credit Acceptance earnings date
Q4 202629 Jan, 2027
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Frequently asked questions
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company's Finance Programs segment offers financing programs, such as purchase and lease, which enable the dealers to sell vehicles to consumers. It also provides other services to its dealer clients, including Web-based tools that assist with inventory management. Its Automobile Insurance segment sells a variety of insurance products to credit challenged consumers through its consumer insurance subsidiary. Its Auto Club Membership segment markets auto club memberships through direct mail campaigns, television infomercials, and Internet lead generation sites. The company was founded in 1972 by Donald A. Foss and is headquartered in Southfield, MI.