Credit Acceptance reports $12.3B forecasted collections, $4.5B cushion over debt

CREDIT ACCEPTANCE CORP

Total forecasted collections of $12.3B as of Sep 30, 2025; cushion of $4.5B after expenses & $6.4B debt.
59 term securitizations totaling $16.6B; structures can withstand 35% decline in forecasted collections before junior bond risk.
Maintained $1.6B available borrowing capacity on revolver facilities as of Sep 30, 2025.
Adjusted advance rates on recent vintages to increase margin of safety; forecasts incorporate post-pandemic underperformance.

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