Financials·Consumer Finance·$5.5B
Credit Acceptance Corporation (CACC) operates in the consumer finance sector, specializing in providing auto loans to customers with less-than-perfect credit. As a significant player in the financial services industry, its performance can reflect broader trends in consumer spending and credit availability.
EPS
Earnings per share is a key indicator of the company's profitability and financial health, which investors closely monitor.
Revenue
Revenue figures provide insight into the company's sales performance and market demand for its services.
Wall Street expectations, options signals, track record, and call prep available with Pro.
EPS Beat Streak
2Q
EPS Beat Rate
50%
Avg EPS Surprise
+0.70%
Avg Stock Reaction
-0.56%
In Q4-2025, CACC reported an EPS of $11.35, exceeding expectations by 10.19%. The stock reacted positively, gaining 4.11% the following day.
Management Promises & Guidance
Analysts expect CACC to report strong earnings driven by robust consumer demand and effective loan management strategies. The consensus EPS of $10.51 suggests continued profitability.
Bull Case
If CACC beats EPS estimates, it could signal strong operational efficiency and market position, potentially leading to a positive stock reaction.
Bear Case
Conversely, if the company misses earnings expectations, it may indicate challenges in loan performance or increased competition, which could negatively impact investor sentiment.
EPS
$10.51Earnings per share is a key indicator of the company's profitability and financial health, which investors closely monitor.
Revenue
$581MRevenue figures provide insight into the company's sales performance and market demand for its services.
The print will turn on these two things.
Q1
Will the EPS exceed the consensus estimate of $10.51?
A beat on EPS could reinforce confidence in the company's growth trajectory and operational efficiency.
Q2
What is the revenue forecast relative to the consensus of $581M?
Revenue performance is crucial for understanding market demand and the company's ability to generate sales in a competitive environment.
Why consensus could be wrong
The consensus may underestimate CACC's ability to capitalize on the growing demand for auto loans among subprime borrowers, especially given recent trends in consumer credit.
Supporting Evidence
CACC's recent performance has shown resilience despite economic headwinds.
The company has a strong track record of beating EPS estimates, which could continue this quarter.
Consumer demand for auto loans remains robust, suggesting potential for revenue growth.
Key Risk
If the revenue falls below $578M, it could challenge the optimistic outlook.
Pre-commit to what would confirm each case.
This quarter's performance is critical as it will indicate whether CACC can maintain its growth amidst changing market conditions.
Bull Confirmed If
An EPS of $11.00 or higher would confirm strong operational performance and growth potential.
Bear Confirmed If
An EPS below $9.39 would raise concerns about profitability and market competitiveness.
Implied Move
±4.2%
Currently, there is no options market data available, but the implied move suggests that traders are anticipating some volatility around the earnings report.
Cross-company pattern from 30 similar setups.
Prior-quarter beat in Financials
n=30Fade rate: X of Y (Z%)
This setup has occurred 30 times across Financials in the last 2 years. The average absolute 1-day move is 1.5%, with a raw directional average of +0.4% (modestly positive historical bias).
Likely market behavior by outcome — not investment advice.
Beat & Raise
If CACC beats expectations, history suggests the stock could see an average one-day move of +2.11%, confirming strong operational momentum.
In-Line / Cautious
If results are in line with expectations, the stock may react cautiously, reflecting uncertainty in future growth.
Miss
A miss on earnings could lead to a decline, with historical averages indicating a potential drop of around -0.35%.
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VERIZON COMMUNICATIO
Apr 27, 2026