Symbols

CACC

Credit Acceptance·NASDAQ

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CACC fundamentals

CACC Q4 2025 Earnings

Credit Acceptance (CACC) released its earnings on Jan 29, 2026: revenue was 579.90M (YoY +2.47%), missed estimates; EPS was 11.35 (YoY +11.60%), beat estimates.

Revenue / YoY

579.90M

+2.47%

EPS / YoY

11.35

+11.60%

Report date

Jan 29, 2026

CACC Earnings Call Summary for Q4,2025

Mission-driven growth: New dealer experience for franchisees reduced origination friction, with Q4 2025 loan unit volume decline narrowing to 9.1% YoY.
Financial resilience: 1% YoY portfolio growth despite 2.8% active dealer decline, supported by 4.5% market share in used subprime segment.
Tech innovation: AI-powered customer service and RouteOne integration drove 0.3% sequential improvement in net cash flow decline.
Challenges: 2023/2024 vintages underperformed due to inflation, with 0.4% and 0.2% declines respectively.
Capital discipline: 2.8x leverage ratio, no change to buyback strategy despite Q4 activity.

Earnings

EPS

Revenue

Revenue & Expenses

CACC has released its 2025 Q4 earnings report, with revenue of 579.90M, reflecting a YoY change of 2.47%, and net profit of 122.00M, showing a YoY change of -19.68%. The Sankey diagram below clearly presents CACC's revenue sources and cost distribution.

Key Indicators

Credit Acceptance (CACC) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Credit Acceptance (CACC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Breakdown

Balance Sheet

Credit Acceptance (CACC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Credit Acceptance (CACC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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