{"schema_version":"secwatch.filing_event.v1","accession":"0000885550-25-000009","form_type":"8-K","ticker":"CACC","cik":"0000885550","company_name":"CREDIT ACCEPTANCE CORP","filed_at":"2025-01-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.677462+00:00","generated_at":"2026-05-27T06:14:04.273361+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Credit Acceptance Q4 2024: GAAP net income $151.9M ($12.26 EPS); adjusted EPS $10.17; unit volume growth slows to 0.3%","bullets":["GAAP net income $151.9M vs $93.6M YoY; diluted EPS $12.26 vs $7.29.","Adjusted net income $126.0M ($10.17/diluted share) vs $129.1M ($10.06) YoY.","Consumer loan assignment unit volume grew only 0.3% YoY vs 26.7% in Q4 2023.","Initial spread increased to 22.4% from 21.7%; average cost of debt rose to 7.2% from 6.3%.","Repurchased ~590,000 shares (4.7% of outstanding) since Q4 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0000885550-25-000009","json":"https://secwatch.observer/filing/0000885550-25-000009.json","markdown":"https://secwatch.observer/filing/0000885550-25-000009.md","text":"https://secwatch.observer/filing/0000885550-25-000009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/885550/000088555025000009/0000885550-25-000009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/885550/000088555025000009/cacc-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:14:04.273361+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}