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Credit Acceptance CACC Q2 2025 earnings

Reported July 31, 2025 · After market close

Revenue$575.6MMiss by $14.1M
EPS$8.56Miss by $1.28
Revenue estimate$589.7M
EPS estimate$9.84

Next report

Oct 29, 2026 (in a month)
Revenue estimate$594.2M
EPS estimate$12.36

Financials

Q2 2025

Income statement

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Revenue$583.8M+8.5%
Net income$87.4M+286%
EPS (diluted)$7.42+294%

Balance sheet

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Cash & equivalents$563.8M+8.9%
Total equity$1.6B0.0%
Total assets$8.7B+5.7%

Cash flow

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Operating cash flow$139.7M-31.5%
CapEx$300.0K-25.0%
Free cash flow$139.4M-31.5%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$5.92B-7.9%
P/E13.9×-21.4×
P/S2.6×-0.6×

Profitability

See full
Net margin18.7%+9.7pp
FCF margin48.8%-7.6pp

Returns & leverage

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Return on equity27.3%+16.3pp

FAQ

When did Credit Acceptance report Q2 2025 earnings?
Credit Acceptance (CACC) reported Q2 2025 earnings on July 31, 2025 after market close.
What were Credit Acceptance's Q2 2025 revenue and EPS?
Credit Acceptance reported revenue of $575.6M and eps of $8.56 for Q2 2025.
Did Credit Acceptance beat estimates in Q2 2025?
Revenue missed the consensus estimate of $589.7M by $14.1M. EPS missed the consensus estimate of $9.84 by $1.28.
How did Credit Acceptance's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.9% from $538.2M a year earlier.
Where can I find Credit Acceptance's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000885550-25-000084) and the 10-Q periodic report (0000885550-25-000085) directly on SEC EDGAR. The filing index links above go to sec.gov.