The earnings call revealed a mixed performance with significant achievements such as a record loan portfolio and workplace excellence awards, offset by challenges in loan performance and market share decline. While the company is investing in technology and dealer engagement, economic volatility and competition pose ongoing challenges.

Company Guidance -

Q3 2025

During the Credit Acceptance Corporation Second Quarter 2025 Earnings Call, several key metrics were highlighted. The company experienced a decline in loan performance with a decrease in forecasted net cash flows by 0.5%, amounting to $56 million. Despite this, the loan portfolio reached a record-high of $9.1 billion, up 6% from the previous year. The market share in the core segment fell to 5.4%, down from 6.6% in 2024, influenced by changes in the Q3 2024 scorecard and increased competition. The company financed over 85,000 contracts, collected $1.4 billion, and paid $63 million in dealer holdback. Additionally, 1,560 new dealers were enrolled, with a total of 10,655 active dealers. The engineering team made significant progress in modernizing the loan origination system, enhancing the speed of feature releases. Credit Acceptance also received recognition as one of the 100 Best Companies to Work For, raising over $270,000 for charitable causes.

Record Loan Portfolio

Loan portfolio reached a new record-high of $9.1 billion on an adjusted basis, up 6% from last Q2.

Awards for Workplace Excellence

Received 2 awards for workplace excellence, including being named one of the 100 Best Companies to Work For by Great Place To Work and Fortune magazine, with a 93% employee satisfaction rate.

Dealer and Consumer Engagement

Financed over 85,000 contracts and enrolled 1,560 new dealers, with 10,655 active dealers during the quarter.

Successful Technology Modernization

Significant strides made in modernizing the loan origination system, increasing the velocity of feature releases from months to days.

Credit Acceptance (CACC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CACC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 03, 2025	2025 (Q3)	9.52 / -	6.347	―	―	―
Jul 31, 2025	2025 (Q2)	10.16 / 8.56	10.29	-16.81% (-1.73)	―
Apr 30, 2025	2025 (Q1)	9.67 / 9.35	9.28	0.75% (+0.07)	―
Jan 30, 2025	2024 (Q4)	7.93 / 10.17	10.06	1.09% (+0.11)	―
Oct 30, 2024	2024 (Q3)	9.21 / 6.35	5.43	16.89% (+0.92)	―
Jul 31, 2024	2024 (Q2)	8.86 / 10.29	1.69	508.88% (+8.60)	―
Apr 30, 2024	2024 (Q1)	9.13 / 9.28	7.61	21.94% (+1.67)	―
Jan 31, 2024	2023 (Q4)	5.90 / 10.06	9.58	5.01% (+0.48)	―
Oct 30, 2023	2023 (Q3)	5.71 / 5.43	6.49	-16.33% (-1.06)	―
Aug 01, 2023	2023 (Q2)	8.18 / 1.69	7.94	-78.72% (-6.25)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CACC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$490.28	$447.51	-8.72%
Apr 30, 2025	$487.42	$467.79	-4.03%
Jan 30, 2025	$514.06	$507.77	-1.22%
Oct 30, 2024	$461.93	$425.00	-7.99%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Credit Acceptance Corp. (CACC) report earnings?

Credit Acceptance Corp. (CACC) is schdueled to report earning on Nov 03, 2025, After Close (Confirmed).

What is Credit Acceptance Corp. (CACC) earnings time?

Credit Acceptance Corp. (CACC) earnings time is at Nov 03, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CACC EPS forecast?

CACC EPS forecast for the fiscal quarter 2025 (Q3) is 9.52.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing