Credit Acceptance Q3 GAAP EPS $9.43, adjusted EPS $10.28; loan volumes down 16.5%

CREDIT ACCEPTANCE CORP

2025-Q3 EPS reported $25.50 vs consensus $9.64 ▲ beat (+164.5%)

GAAP net income $108.2M ($9.43 diluted EPS) vs $78.8M ($6.35) a year ago; adjusted net income $117.9M ($10.28/sh).
Consumer Loan assignment unit volume down 16.5%, dollar volume down 19.4% YoY; active dealers down 4.7%.
Repurchased ~230,000 shares for $107.4M (2.0% of shares outstanding).
Recorded $15.0M contingent loss related to previously disclosed legal matters; cumulative contingent losses $46.8M.
Forecasted collection rates declined for 2022-2024 vintages; overall forecasted net cash flows decreased $58.6M (0.5%).

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