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Credit Acceptance
Credit Acceptance (CACC) investor relations material
Credit Acceptance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
New CEO emphasized a mission-driven, customer-obsessed approach, focusing on technology, data, and operational discipline to drive growth and efficiency.
Reported GAAP net income of $122.0 million ($10.99 per diluted share) for Q4 2025, down 19.7% year-over-year; adjusted net income was $126.0 million ($11.35 per diluted share), up 11.6% year-over-year on a per-share basis.
Sequential growth in financial results despite declines in loan volumes and loan performance, highlighting business model resilience.
Strategic priorities include deepening dealer relationships, empowering dealers through preferred channels, and delivering world-class servicing with AI enhancements.
Company culture recognized as a top workplace, supporting execution of long-term mission.
Financial highlights
Adjusted earnings per share grew despite declines in loan performance and volume.
Financed nearly 72,000 contracts, collected $1.3 billion, and paid $48 million in dealer holdback.
Average loan portfolio balance was $7.9 billion in Q4 2025.
$191.4 million spent on repurchasing 425,000 shares (3.8% of shares outstanding at the start of the quarter).
$1.7 billion in unrestricted cash and available credit as of December 31, 2025.
Outlook and guidance
Leadership remains focused on conservative, long-term lending and credit scoring, with ongoing improvements to credit models.
Product initiatives in digital credit applications, franchise dealer experience, and consumer self-service are expected to improve dealer and consumer relationships and operational efficiency.
Broader deployment of AI-powered call-center agents and expansion of new contract origination experience planned for 2026.
2024 scorecard change impact on loan performance
Strategy behind increased purchased loan volume
Future financial impact of legal settlement
Impact of new operating rhythms on goal progress
Effectiveness of Q3 2024 scorecard changes?
New origination experience impact on dealer share
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Next Credit Acceptance earnings date
Q1 202629 Apr, 2026
Credit Acceptance
Next Credit Acceptance earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company's Finance Programs segment offers financing programs, such as purchase and lease, which enable the dealers to sell vehicles to consumers. It also provides other services to its dealer clients, including Web-based tools that assist with inventory management. Its Automobile Insurance segment sells a variety of insurance products to credit challenged consumers through its consumer insurance subsidiary. Its Auto Club Membership segment markets auto club memberships through direct mail campaigns, television infomercials, and Internet lead generation sites. The company was founded in 1972 by Donald A. Foss and is headquartered in Southfield, MI.
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