The earnings call reflected a mixed outlook with significant achievements in portfolio growth and organizational recognition, but faced challenges with declining loan performance, market share, and collection rates. Efforts to modernize systems and support dealers and consumers were notable positives, yet economic pressures and competitive challenges introduced uncertainties.

Company Guidance

During the Credit Acceptance Corporation's second quarter 2025 earnings call, the company provided detailed guidance on various financial metrics and operational highlights. The loan portfolio reached a record-high of $9.1 billion, reflecting a 6% increase from the previous year, despite a decline in unit and dollar volumes. Their market share in subprime used vehicle financing dropped to 5.4% from 6.6% in 2024. Loan performance showed mixed results, with declines in the 2022-2024 vintages but an improvement in the 2025 vintage. Forecasted net cash flows decreased by 0.5% or $56 million. Credit Acceptance financed over 85,000 contracts, collected $1.4 billion, and paid $63 million in dealer holdback. They enrolled 1,560 new dealers, bringing the total active dealers to 10,655. The company focused on technology improvements, enhancing their loan origination system, and was recognized as one of the top 100 Best Companies to Work For, marking their 11th accolade in 12 years. They also raised over $270,000 for charitable causes, funding wishes for 15 children through Make-A-Wish Foundation.

Record Loan Portfolio

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

Awards and Recognition

Credit Acceptance was named one of the 100 Best Companies to Work For by Great Place To Work and Fortune magazine, marking the 11th time in 12 years.

Significant Dealer and Consumer Engagement

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

Engineering Team Progress

Significant strides in modernizing the loan origination system, increasing feature release velocity and enhancing dealer experiences.

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.

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