CACCNasdaqPersonal Credit Institutions

Credit Acceptance Corp (CACC) earnings date, market-implied expected move, and options open interest by expiry

497.89

+17.24 · +3.59%

post 500.01 +0.42%

After hours17:32 ETdelayed

Open482.00Volume210,137Mkt cap$4.9BP/E16.01EPS31.24

Day482.00 – 502.3489%52-wk401.90 – 668.8637%

CACC

Credit Acceptance Corp

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Jan 28

after close · in 85 days

est.Q4 FY26

Calendar

Next report

Last report

−19.26%

vs ±6.0% implied · ×3.20

shaded = implied · ▲▼ = realized

Oct 29 '26 · confirmedthin chain

Implied vs realized

Largest filed tie

—

Supply chain

13F top-10 QoQ

+11.48%

shares held · 10 largest managers

13F · Jun 30 '26128d lag

299 managers

Top fund weight

0.00%

CACC weight · VTI

N-PORTJun 30 '26

2 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

Credit Acceptance (CACC) is expected to report on Jan 28 after close (estimated date).

Implied vs realized

2 reports

—≥ implied

Q2 FY26Aug 4 '26confirmed—▲+0.79%—

Q3 FY26Oct 29 '26confirmed±6.0%thin chain▼−19.26%×3.20

quarterimplied−20%0+20%realized×

Q3 FY26±6.0%▼−19.26%×3.20

Q2 FY26—

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

OI · 2 expiries · Oct 30 close

1.05OI · 2 expiries · Oct 30 closeP/C open interest · Nov 20 · nearest expiry

PUTS · chgexpiry · days · P/CCALLS · chgP/C

680%Nov 2016d650%

280%Dec 1844d0.201400%0.20

ExpiryPutsCallsP/C

Nov 2016d680%650%1.05

Dec 1844d280%1400%0.20

Hatched = puts · solid = calls · bars scaled per expiry · chg = OI vs prior sessionSource: options EOD

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ3 FY26

−11.61%as filednet margin · revenue +1.54% QoQ · +4.57% YoY

Revenue$487M+1.54%

Pre-tax income−$74M−143.59%

Net income−$57M−11.61%−141.65%

Tax−$17M−151.68%

Source: SEC filings · standardized · QE Sep 30 '26 · bars = % of revenue

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 17:30 ET

Intraday

Event sensitivity

PPI ×1.48· ±2.4% vs ±1.6% · 10 releases

eventrelease day|move|up · n×base

PPIproducer prices±2.4%6 of 10×1.48

FOMCrate decision±2.3%11 of 24×1.40

PCEpersonal income & outlays±1.8%9 of 19×1.13

GDPgross domestic product±1.7%6 of 19×1.07

NFPjobs report±1.5%7 of 10×0.89

CPROFcorporate profits±1.3%5 of 12×0.80

CPIconsumer prices±0.8%4 of 10×0.47

Bar = avg |move| to ±3% · tick = ±1.6% avg day · ×base = |move| ÷ ±1.6% · min 6 releases

Earnings history

EPS -5.43 · consensus —

Quarter	Reported	EPS	Consensus
Q3 FY26	Oct 29 '26 · confirmed	-5.43	—
Q2 FY26	Aug 4 '26 · confirmed	12.66	—
Q1 FY26	—	12.40	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod