Credit Acceptance (CACC) Loans - Loss Allowance (2010 - 2026)
Credit Acceptance's Loans - Loss Allowance came in at $3.83 billion for Q3 2026, up 6.8% from $3.59 billion a year earlier and up 5.0% from the prior quarter.
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Analysis
Credit Acceptance (CACC) Loans - Loss Allowance (2010 - 2026) Analysis & Trends
At the end of FY2025, Credit Acceptance's Loans - Loss Allowance was $3.6 billion, up 4.8% from FY2024.
- Loans - Loss Allowance has increased in each of the last three years, with a five-year compound annual growth rate of 1.5% (FY2020 to FY2025).
- Going back by year, Loans - Loss Allowance was $3.44 billion in FY2024 (+12.2%), $3.06 billion in FY2023 (+6.9%), $2.87 billion in FY2022 (-4.8%) and $3.01 billion in FY2021 (-9.7%).
- The Q3 2026 figure represents the highest quarterly Loans - Loss Allowance in data going back to Q4 2010.
- Year-over-year, Loans - Loss Allowance has increased for 15 consecutive quarters, with growth averaging 6.6% over the last eight quarters.
- The fastest year-over-year change in Loans - Loss Allowance over five years came in Q3 2024 (growth of 12.7%), and the weakest in Q1 2022 (a decline of 12.5%).
- Business Quant data shows CACC's Loans - Loss Allowance at $3.65 billion (Q2 2026), $3.62 billion (Q1 2026) and $3.6 billion (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Loss Allowance (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | - |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 9.42 Bn |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | - |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 10.34 Bn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 636.12 Mn |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | 3.83 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 3.83 Bn |
| Jun 30, 2026 | 3.65 Bn |
| Mar 31, 2026 | 3.62 Bn |
| Dec 31, 2025 | 3.60 Bn |
| Sep 30, 2025 | 3.59 Bn |
| Jun 30, 2025 | 3.56 Bn |
| Mar 31, 2025 | 3.50 Bn |
| Dec 31, 2024 | 3.44 Bn |
| Sep 30, 2024 | 3.42 Bn |
| Jun 30, 2024 | 3.34 Bn |
| Mar 31, 2024 | 3.14 Bn |
| Dec 31, 2023 | 3.06 Bn |
| Sep 30, 2023 | 3.03 Bn |
| Jun 30, 2023 | 2.99 Bn |
| Mar 31, 2023 | 2.88 Bn |
| Dec 31, 2022 | 2.87 Bn |
| Sep 30, 2022 | 2.87 Bn |
| Jun 30, 2022 | 2.87 Bn |
| Mar 31, 2022 | 2.87 Bn |
| Dec 31, 2021 | 3.01 Bn |
API Access
Credit Acceptance Loans - Loss Allowance API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=loans-loss-allowance&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "ticker": "CACC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=loans-loss-allowance&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();