NASDAQ$CACC
Credit Acceptance · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Credit Acceptance reported Q4 2025 GAAP net income of $122M and diluted EPS of $10.99.
GAAP net income was $122.0 million ($10.99 per diluted share) with adjusted net income of $126.0 million ($11.35 adjusted EPS). Total revenue was $579.9 million. Unit and dollar volumes declined year over year while the company highlighted sequential improvement and AI call-center deployment.
- Q4 GAAP net income $122M; EPS $10.99.
- Adjusted EPS $11.35; revenue $579.9M.
- Loan volumes down YoY; sequential improvement noted.
- AI call-center agent expanded in Q4.
Headline financials
Revenue & EPS history
Credit Acceptance · Revenue · Quarterly
$580M
Revenue by segment
Credit Acceptance · $479M total across 3 segments · Q3 2023
- Finance charges$442M+5.0%92.3%
- Premiums earned$20.8M+26.8%4.3%
- Other income$16.1M-30.9%3.4%
Forward guidance
The release discusses Credit Acceptance's outlook for upcoming periods, including capital allocation, operating priorities, and market risks.
Tailwinds
- Credit Acceptance cites operational execution and demand trends supporting the outlook.
- Balance sheet and liquidity actions aim to fund growth and returns.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
-0.3%
Avg return
Earnings day
+1.0%
Avg return
5 days after
+1.6%
Avg return
30 days after
40%
26 / 65 earnings
Positive
+21.3%
Q1 2022
Best reaction
-15.8%
Q2 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +1.0% | -0.7% | +3.5% | |
| Q4 2025 | +10.6% | +12.4% | +4.9% | |
| Q3 2025 | +0.9% | -0.2% | +2.1% | |
| Q1 2025 | -4.0% | +2.0% | -2.1% | |
| Q4 2024 | -1.2% | +1.0% | -4.2% | |
| Q3 2024 | -6.1% | -6.4% | +10.0% | |
| Q2 2024 | -15.8% | -18.4% | -19.7% | |
| Q1 2024 | -6.9% | -4.3% | -7.9% | |
| Q4 2023 | +4.9% | +1.9% | -0.4% | |
| Q3 2023 | -0.5% | +9.6% | +11.4% | |
| Q2 2023 | -13.1% | -10.5% | -9.9% | |
| Q1 2023 | -12.1% | -8.0% | -9.0% | |
| Q4 2022 | +17.2% | +17.6% | +0.0% | |
| Q3 2022 | -6.1% | -4.9% | +1.9% | |
| Q2 2022 | -8.2% | -5.5% | -7.6% | |
| Q1 2022 | +21.3% | +17.0% | +13.9% | |
| Q4 2021 | -0.9% | -1.9% | +4.5% | |
| Q3 2021 | +12.1% | +14.7% | +4.5% | |
| Q2 2021 | +2.6% | +14.5% | +22.5% | |
| Q1 2021 | +0.4% | +6.3% | +13.8% | |
| Q4 2020 | -14.1% | -10.1% | -2.8% | |
| Q3 2020 | -4.9% | -3.7% | -4.4% | |
| Q2 2020 | -2.4% | -0.9% | -4.2% | |
| Q1 2020 | +4.1% | +11.5% | +16.5% | |
| Q4 2019 | -7.1% | -6.3% | -12.6% | |
| Q3 2019 | -6.0% | -3.2% | -1.7% | |
| Q2 2019 | -2.1% | -4.5% | -5.9% | |
| Q1 2019 | -1.0% | -0.7% | -6.9% | |
| Q4 2018 | -2.6% | +4.4% | +9.3% | |
| Q3 2018 | +8.4% | +6.8% | +3.9% | |
| Q2 2018 | +13.7% | +18.7% | +20.0% | |
| Q1 2018 | -2.1% | -0.6% | +8.1% | |
| Q4 2017 | -11.5% | -14.4% | -14.6% | |
| Q3 2017 | -4.1% | -6.1% | +1.7% | |
| Q2 2017 | +9.1% | +9.1% | +8.9% | |
| Q1 2017 | +7.9% | +6.1% | +5.8% | |
| Q4 2016 | -5.5% | -1.7% | -1.4% | |
| Q3 2016 | -11.4% | -9.2% | +3.8% | |
| Q2 2016 | +5.0% | +6.1% | +8.0% | |
| Q1 2016 | -5.8% | — | — | |
| Q4 2015 | -3.4% | — | — | |
| Q3 2015 | -13.1% | — | — | |
| Q2 2015 | +9.8% | — | — | |
| Q1 2015 | +9.9% | — | — | |
| Q4 2014 | +13.4% | — | — | |
| Q3 2014 | +6.3% | — | — | |
| Q2 2014 | -3.6% | — | — | |
| Q1 2014 | -6.9% | — | — | |
| Q4 2013 | +8.1% | — | — | |
| Q3 2013 | -0.7% | — | — | |
| Q2 2013 | +0.4% | — | — | |
| Q1 2013 | -2.2% | — | — | |
| Q4 2009 | -7.5% | — | — | |
| Q4 2012 | +3.5% | — | — | |
| Q3 2012 | -0.1% | — | — | |
| Q2 2012 | +4.2% | — | — | |
| Q1 2011 | -7.3% | — | — | |
| Q1 2012 | -0.5% | — | — | |
| Q4 2011 | +0.0% | — | — | |
| Q3 2011 | +5.6% | — | — | |
| Q3 2010 | +5.6% | — | — | |
| Q2 2011 | -0.7% | — | — | |
| Q4 2010 | -0.7% | — | — | |
| Q2 2010 | -0.7% | — | — | |
| Q1 2010 | -0.1% | — | — |
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