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Credit Acceptance CACC Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$579.9MMiss by $5.5M
EPS$11.35Beat by $1.05
Revenue estimate$585.4M
EPS estimate$10.30

Next report

Aug 4, 2026 (In 5 days)
Revenue estimate$588.1M
EPS estimate$12.20

Financials

Q4 2025

Income statement

See full
Revenue$579.9M+2.5%
Net income$122.0M-19.7%
EPS (diluted)$10.88-10.8%

Balance sheet

See full
Cash & equivalents$500.7M-40.7%
Total equity$1.5B-12.9%
Total assets$8.6B-2.5%

Cash flow

See full
Operating cash flow$269.3M-12.1%
CapEx$400.0K-42.9%
Free cash flow$268.9M-12.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$4.89B-14.0%
P/E11.5×-11.4×
P/S2.1×-0.5×

Profitability

See full
Net margin18.3%+6.8pp
FCF margin45.4%-7.1pp

Returns & leverage

See full
Return on equity25.9%+11.7pp

Versus estimates

Revenue

Q1 2026$580.0MMiss by $766.7K
Q4 2025$579.9MMiss by $5.5M
Q3 2025$576.4MMiss by $17.4MQ2 2025$575.6MMiss by $14.1MQ1 2025$562.3MMiss by $4.9MQ4 2024$557.7MMiss by $7.0M

Diluted EPS

Q1 2026$10.71Beat by $0.10
Q4 2025$11.35Beat by $1.05
Q3 2025$10.28Beat by $0.41Q2 2025$8.56Miss by $1.28Q1 2025$8.66Miss by $1.65Q4 2024$12.26Beat by $4.56

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Questions, answered.

When did Credit Acceptance report Q4 2025 earnings?
Credit Acceptance (CACC) reported Q4 2025 earnings on January 29, 2026 after market close.
What were Credit Acceptance's Q4 2025 revenue and EPS?
Credit Acceptance reported revenue of $579.9M and eps of $11.35 for Q4 2025.
Did Credit Acceptance beat estimates in Q4 2025?
Revenue missed the consensus estimate of $585.4M by $5.5M. EPS beat the consensus estimate of $10.30 by $1.05.
How did Credit Acceptance's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.0% from $557.7M a year earlier and eps declined 7.4% from $12.26.
Where can I find Credit Acceptance's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000885550-26-000007) and the 10-K periodic report (0000885550-26-000047) directly on SEC EDGAR. The filing index links above go to sec.gov.