Credit Acceptance

Credit Acceptance Q4 Earnings Call Highlights: New CEO Prioritizes Digital Strategy, Dealer Relationships, and AI-Enhanced Servicing

CreditAcceptance

Credit Acceptance's 15min chart shows RSI overbought, KDJ death cross detected.

Credit Acceptance: RSI overbought, Bollinger Bands narrowing on 15-minute chart.

Credit Acceptance's chart signals bearish trends with MACD Death Cross, RSI Overbought, and KDJ Death Cross.

Risk<ul> <li>Bearish signals are obviously dominant with 3 bearish indicators versus 0 bullish ones according to recent technical analysis.</li> <li>Technical indicators show that the market is in a volatile state and the direction is not clear enough suggesting uncertainty in the stock's near-term path.</li> <li>Market expectations tend to be pessimistic as indicated by analyst ratings and overall sentiment.</li></ul>

Key Factors

Credit Acceptance (CACC) reported Q4 2025 net income of $122.0 million, or $10.99 per diluted share, with adjusted net income of $126.0 million, or $11.35 per diluted share. TD Cowen raised CACC's price target to $470 and maintained a Hold rating following Q4 earnings, which beat estimates but showed a year-over-year decline in adjusted net income. CACC's new CEO emphasized a digital-first strategy, AI-enhanced servicing, and stronger dealer relationships during the Q4 earnings call, while noting challenges in unit volume and market share.

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