Credit Acceptance Q4 Earnings Call Highlights: New CEO Prioritizes Digital Strategy, Dealer Relationships, and AI-Enhanced Servicing
ByAinvest
Saturday, Jan 31, 2026 1:45 am ET1min read
CACC--
Credit Acceptance Corp. reported Q4 2025 earnings, with new CEO Vinayak Hegde prioritizing disciplined operating rhythms, digital-first and AI-enhanced servicing strategy, and deeper dealer relationships. The company financed 72,000 contracts and collected $1.3 billion, but active dealers were down 2.8% YoY, unit volume down 9.1% YoY, and core subprime used-vehicle market share slipped to 4.5% from 5.4%. Modest credit underperformance was attributed to pre-scorecard originations and inflation.
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