earnings
confidence high
sentiment neutral
materiality 0.75
Credit Acceptance Q2 GAAP EPS $7.42; adjusted EPS $8.56; loan volume down 14.6% YoY
CREDIT ACCEPTANCE CORP
2025-Q2 EPS
reported $16.11
vs consensus $9.87
▲ beat
(+63.2%)
- GAAP net income $87.4M ($7.42 diluted EPS) vs loss of $47.1M (-$3.83) in Q2 2024.
- Adjusted net income $100.8M ($8.56 diluted EPS) vs $126.4M ($10.29) YoY, down ~20%.
- Forecasted collection rates declined, reducing net cash flows by $55.8M (0.5%) in Q2 2025.
- Consumer Loan assignment unit volume decreased 14.6%, dollar volume down 18.8% YoY.
- Repurchased ~530,000 shares (4.5% of shares outstanding); legal contingent loss $23.4M.