Credit Acceptance (CACC) Operating Expenses (2010 - 2026)
Credit Acceptance's (CACC) quarterly Operating Expenses came in at $418.8 million in Q2 2026, down 10.13% year-over-year from $466.0 million in Q2 2025, and up 3.41% quarter-over-quarter from $405.0 million in Q1 2026.
Analysis
Credit Acceptance (CACC) Operating Expenses (2010 - 2026) Analysis & Trends
Credit Acceptance has disclosed Operating Expenses across 17 years of filings, most recently posting $418.8 million for Q2 2026.
- In Q2 2026, Operating Expenses fell 10.13% year-over-year to $418.8 million; the TTM figure through Jun 2026 stood at $1.7 billion (down 1.93% YoY), while the FY2025 annual figure was $1.8 billion, down 4.42% from the prior year.
- Operating Expenses came in at $418.8 million for Q2 2026 at Credit Acceptance, up from $405.0 million in the prior quarter.
- In the past five years, Operating Expenses ranged from a high of $593.5 million in Q2 2024 to a low of $171.2 million in Q1 2022.
- Average Operating Expenses over 5 years is $392.4 million, with a median of $411.9 million recorded in 2026.
- Year-over-year, Operating Expenses surged 242.72% in 2022 and declined 21.48% in 2025.
- Over 5 years, Operating Expenses stood at $296.0 million in 2022, then increased by 26.76% to $375.2 million in 2023, then slipped by 0.32% to $374.0 million in 2024, then grew by 13.07% to $422.9 million in 2025, then decreased by 0.97% to $418.8 million in 2026.
- Per Business Quant data, the three most recent Operating Expenses figures were $418.8 million in Q2 2026, $405.0 million in Q1 2026, and $422.9 million in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Opex (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 1.33 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.02 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 406.67 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 418.80 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 194.98 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 330.92 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 483.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | -41.49 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 191.37 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 85.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 418.80 Mn |
| Mar 31, 2026 | 405.00 Mn |
| Dec 31, 2025 | 422.90 Mn |
| Sep 30, 2025 | 433.50 Mn |
| Jun 30, 2025 | 466.00 Mn |
| Mar 31, 2025 | 429.40 Mn |
| Dec 31, 2024 | 374.00 Mn |
| Sep 30, 2024 | 443.80 Mn |
| Jun 30, 2024 | 593.50 Mn |
| Mar 31, 2024 | 421.60 Mn |
| Dec 31, 2023 | 375.20 Mn |
| Sep 30, 2023 | 382.10 Mn |
| Jun 30, 2023 | 450.00 Mn |
| Mar 31, 2023 | 327.00 Mn |
| Dec 31, 2022 | 296.00 Mn |
| Sep 30, 2022 | 338.20 Mn |
| Jun 30, 2022 | 315.30 Mn |
| Mar 31, 2022 | 171.20 Mn |
| Dec 31, 2021 | 178.50 Mn |
| Sep 30, 2021 | 137.90 Mn |