Credit Acceptance

CACC

Market cap $5.18B

Credit Acceptance shares climb after Q4 earnings beat, as revenue gains offset higher expenses and provisions.

Credit Acceptance Corporation (CACC) Q4 2025 Earnings Call Transcript

Credit Acceptance (CACC) came out with quarterly earnings of $11.35 per share, beating the Zacks Consensus Estimate of $10.3 per share. This compares to earnings of $12.26 per share a year ago.

Southfield, Michigan, Jan. 29, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) today announced consolidated net income of $122.0 million, or $10.99 per diluted share, for the three months ended December 31, 2025. Adjusted net income, a non-GAAP financial measure, for the three months ended December 31, 2025 was $126.0 million, or $11.35 per diluted share. The following table summarizes our financial results:

Southfield, Michigan, Jan. 22, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that we expect to issue a news release with our fourth quarter 2025 earnings on Thursday, January 29, 2026, after the market closes. A webcast is scheduled for Thursday, January 29, 2026, at 5:00 p.m. Eastern Time to discuss fourth quarter 2025 earnings.

Southfield, Michigan, Jan. 15, 2026 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today that we have extended the $100.0 million asset-backed non-recourse secured financing that we entered into on January 29, 2021 (the “Financing”) and to which we refer as Term ABS 2021-1. Under the amendment effecting the extension, the date on which the Financing will cease to revolve has been extended from February 17, 2026 to January 18, 2028. The interest rate on borrowings under the Financing has been decreased from the Secured Overnight Financing Rate (“SOFR”) plus 220 basis points to SOFR plus 140 basis points.

Southfield, Michigan, Dec. 10, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) has been named one of the Best Places to Work in IT by Computerworld for the 11th year. Credit Acceptance ranked #2 among midsize companies, up six spots from last year. This award recognizes companies with comprehensive tech-led strategies that foster an inclusive, supportive, and growth-oriented workplace.

Southfield, Michigan, Nov. 17, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) has been named a 2025 Top Workplace in Michigan by the Detroit Free Press, ranking #2 among large companies, the same as last year. This marks our 14th consecutive year earning this honor.

Southfield, Michigan, Nov. 13, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (the “Company”, “Credit Acceptance”, “we”, “our”, or “us”) announced today the completion of a $500.0 million asset-backed non-recourse secured financing (the “Financing”).  Pursuant to this transaction, we conveyed loans having a value of approximately $625.2 million to a wholly owned special purpose entity which will transfer the loans to a trust, which will issue three classes of notes:

Credit Acceptance posts 11% y/y earnings jump in 3Q25 as higher revenues and lower credit loss provisions offset rising expenses.