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Dec 31, 2025
Credit Acceptance Q4 2025 Earnings Report
Credit Acceptance announced consolidated net income of $122.0 million, or $10.99 per diluted share, for the three months ended December 31, 2025.
Key Takeaways
Credit Acceptance reported sequential growth in financial results for Q4 2025, with GAAP net income of $122.0 million and adjusted net income of $126.0 million. Despite declines in loan volumes and performance, the company highlighted the resilience of its business model and commitment to maximizing intrinsic value. Key initiatives included product releases in digital credit applications and consumer self-service, aiming to strengthen dealer and consumer relationships.
GAAP net income for Q4 2025 was $122.0 million, or $10.99 per diluted share.
Adjusted net income for Q4 2025 was $126.0 million, or $11.35 per diluted share.
The company repurchased approximately 425,000 shares for $191.4 million, representing 3.8% of outstanding shares.
Credit Acceptance enrolled 1,207 new dealers and had 9,863 active dealers during the quarter.
Revenue by Segment
Forward Guidance
Credit Acceptance anticipates continued expansion of its new contract origination experience to more dealers in Q1 2026 and broader deployment of its AI-powered call center agent in 2026. The company also expects to continue providing consumers with opportunities to improve their credit scores.
Positive Outlook
- Expansion of new contract origination experience to more dealers in Q1 2026.
- Broader deployment of AI-powered call-center agent planned for 2026.
- Continued focus on providing frictionless experience for dealers and consumers.
- Ongoing commitment to maximizing intrinsic value and changing customers' lives.
- Providing consumers with opportunities to improve their credit scores and access traditional financing.
Challenges Ahead
- Loan volumes and loan performance experienced declines in Q4 2025.
- Moderate decline in forecasted collection rates, decreasing net cash flows by $34.2 million.
- Slower net cash flow timing observed.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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