Credit Acceptance Q1 GAAP net income $106.3M ($8.66/sh); assignment volume falls 10.1% YoY

CREDIT ACCEPTANCE CORP

2025-Q1 EPS reported $8.66 revenue$571,100,000

GAAP net income $106.3M ($8.66 diluted EPS) vs $64.3M ($5.08) in Q1 2024; adjusted net income $114.8M ($9.35).
Consumer Loan unit volume fell 10.1% and dollar volume fell 15.5% YoY; active dealers 10,789 (-0.1%).
Forecasted collection rate decline reduced net cash flows by $20.9M (0.2%); average portfolio balance rose 11% to $7.9B.
Repurchased 329,000 shares (2.7% of shares outstanding); liquidity of over $2.2B in cash and unused credit lines.
Operating expenses rose 7.5% to $9.4M increase; interest expense up 24% on higher debt balance.

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