Credit Acceptance (CACC) EBT (2010 - 2026)
Credit Acceptance's (CACC) quarterly EBT came in at $168.6 million in Q2 2026, up 43.12% year-over-year from $117.8 million in Q2 2025, and down 3.66% quarter-over-quarter from $175.0 million in Q1 2026.
Analysis
Credit Acceptance (CACC) EBT (2010 - 2026) Analysis & Trends
Credit Acceptance has disclosed EBT across 17 years of filings, most recently posting $168.6 million for Q2 2026.
- In Q2 2026, EBT rose 43.12% year-over-year to $168.6 million; the TTM figure through Jun 2026 stood at $649.5 million (up 16.42% YoY), while the FY2025 annual figure was $565.4 million, up 71.59% from the prior year.
- EBT came in at $168.6 million for Q2 2026 at Credit Acceptance, down from $175.0 million in the prior quarter.
- In the past five years, EBT ranged from a high of $284.5 million in Q1 2022 to a low of -$55.3 million in Q2 2024.
- Average EBT over 5 years is $128.8 million, with a median of $134.2 million recorded in 2023.
- Year-over-year, EBT slumped 298.21% in 2024 and soared 313.02% in 2025.
- Over 5 years, EBT stood at $163.0 million in 2022, then fell by 28.59% to $116.4 million in 2023, then surged by 64.86% to $191.9 million in 2024, then slipped by 18.19% to $157.0 million in 2025, then gained by 7.39% to $168.6 million in 2026.
- Per Business Quant data, the three most recent EBT figures were $168.6 million in Q2 2026, $175.0 million in Q1 2026, and $157.0 million in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 1.19 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 169.09 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 127.00 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 168.60 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 80.46 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 140.11 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 197.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 137.75 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 52.01 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 39.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 168.60 Mn |
| Mar 31, 2026 | 175.00 Mn |
| Dec 31, 2025 | 157.00 Mn |
| Sep 30, 2025 | 148.90 Mn |
| Jun 30, 2025 | 117.80 Mn |
| Mar 31, 2025 | 141.70 Mn |
| Dec 31, 2024 | 191.90 Mn |
| Sep 30, 2024 | 106.50 Mn |
| Jun 30, 2024 | -55.30 Mn |
| Mar 31, 2024 | 86.40 Mn |
| Dec 31, 2023 | 116.40 Mn |
| Sep 30, 2023 | 96.50 Mn |
| Jun 30, 2023 | 27.90 Mn |
| Mar 31, 2023 | 126.80 Mn |
| Dec 31, 2022 | 163.00 Mn |
| Sep 30, 2022 | 122.10 Mn |
| Jun 30, 2022 | 142.10 Mn |
| Mar 31, 2022 | 284.50 Mn |
| Dec 31, 2021 | 284.70 Mn |
| Sep 30, 2021 | 332.20 Mn |