C CACC

Credit Acceptance Corp

$416.51

-0.74% ($3.09)

Volume 155,470

52W High $549.75

52W Low $401.90

Market Cap $5.68B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$10.61

Whisper EPS

$10.80

1.8% above consensus

Last Quarter

$11.35

Current Streak

2 Beats

Avg Surprise (4Q)

+2.82%

Next Earnings Report

Reports in 22 days

Report Date Apr 29, 2026

Whisper Spread +1.80%

Consensus Estimate

$10.61

Official analyst average

Whisper Number

$10.80

What traders expect

Bullish Sentiment: The whisper number is 1.8% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 29, 2026

1-Day: +10.42%

5-Day: +9.91%

Q3 2025 Oct 29, 2025

1-Day: -1.50%

5-Day: -0.50%

Q2 2025 Jul 31, 2025

1-Day: -8.72%

5-Day: -8.02%

Q1 2025 Apr 30, 2025

1-Day: -4.03%

5-Day: +1.78%

Revenue & Financial Performance

Revenue Whisper

$592.0M

TWN Proprietary Estimate

Last Quarter Revenue

$579.9M

+4.0% YoY

Gross Margin

98.8%

Net Margin: 21.0%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$579.9M	+4.0%	98.8%	52.9%	$122.0M
Q3'25	$576.4M	+6.0%	61.8%	24.8%	$108.2M
Q2'25	$575.6M	+8.3%	61.5%	19.0%	$87.4M
Q1'25	$562.3M	+12.1%	61.0%	23.9%	$106.3M
Q4'24	$557.7M	+14.9%	63.0%	32.9%	$151.9M
Q3'24	$543.6M	+15.0%	61.9%	18.4%	$78.8M
Q2'24	$531.3M	+12.4%	62.2%	-7.3%	-$47.1M
Q1'24	$501.7M	+11.7%	62.5%	16.0%	$64.3M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 29, 2026	$10.01	$10.37	$11.35	+13.39%	Beat
Q3 2025	Oct 29, 2025	$9.52	$9.67	$10.28	+7.98%	Beat
Q2 2025	Jul 31, 2025	$9.83	$10.36	$8.56	-12.92%	Missed
Q1 2025	Apr 30, 2025	$9.67	$10.30	$9.35	-3.31%	Missed
Q4 2024	Jan 30, 2025	$7.93	$8.64	$10.17	+28.25%	Beat
Q3 2024	Oct 30, 2024	$9.05	$9.70	$8.79	-2.87%	Missed
Q2 2024	Jul 31, 2024	$8.91	$8.65	$10.29	+15.49%	Beat
Q1 2024	Apr 30, 2024	$8.35	$7.80	$9.28	+11.14%	Beat
Q4 2023	Jan 31, 2024	$5.43	$5.04	$7.29	+34.25%	Beat
Q3 2023	Oct 30, 2023	$5.71	$5.21	$5.43	-4.90%	Beat
Q2 2023	Aug 1, 2023	$8.18	$7.73	$1.69	-79.34%	Missed
Q1 2023	May 1, 2023	$8.81	$8.73	$7.61	-13.62%	Missed