Credit Acceptance (CACC) Provision for Losses (2010 - 2026)
Credit Acceptance (CACC) reported Provision for Losses of $410.9 million for Q3 2026, up 170.3% from $152 million a year earlier and up 158.1% from the prior quarter.
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Analysis
Credit Acceptance (CACC) Provision for Losses (2010 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Credit Acceptance's Provision for Losses came in at $839.3 million, up 37.6% year-over-year; for FY2025, it came in at $616.1 million, down 24.4% from FY2024.
- Provision for Losses has a five-year compound annual growth rate of 2.0% (FY2020 to FY2025).
- By year, Provision for Losses came in at $814.7 million in FY2024 (+10.7%), $736.2 million in FY2023 (+52.9%), $481.4 million in FY2022 and $8.4 million in FY2021 (-98.5%).
- The Q3 2026 figure ranks as the highest quarterly Provision for Losses in data going back to Q2 2010.
- Year over year, Provision for Losses gained in two of the last eight quarters, with growth averaging 6.5%.
- The high point for year-over-year Provision for Losses in five years was Q1 2023 (growth of 489.7%); the low point was Q4 2021 (a decline of 72.0%).
- Per Business Quant data, the three quarters before Q3 2026 came in at $159.2 million (Q2 2026), $139.6 million (Q1 2026) and $129.6 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provision for Losses (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 | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | - |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 1.27 Bn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 259.36 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 | 410.90 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 410.90 Mn |
| Jun 30, 2026 | 159.20 Mn |
| Mar 31, 2026 | 139.60 Mn |
| Dec 31, 2025 | 129.60 Mn |
| Sep 30, 2025 | 152.00 Mn |
| Jun 30, 2025 | 172.60 Mn |
| Mar 31, 2025 | 161.90 Mn |
| Dec 31, 2024 | 123.40 Mn |
| Sep 30, 2024 | 184.70 Mn |
| Jun 30, 2024 | 320.60 Mn |
| Mar 31, 2024 | 186.00 Mn |
| Dec 31, 2023 | 163.70 Mn |
| Sep 30, 2023 | 184.60 Mn |
| Jun 30, 2023 | 250.50 Mn |
| Mar 31, 2023 | 137.40 Mn |
| Dec 31, 2022 | 130.30 Mn |
| Sep 30, 2022 | 180.30 Mn |
| Jun 30, 2022 | 147.50 Mn |
| Mar 31, 2022 | 23.30 Mn |
| Dec 31, 2021 | 25.90 Mn |
API Access
Credit Acceptance Provision for Losses 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=provision-for-losses&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-losses", "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=provision-for-losses&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();