{"schema_version":"secwatch.filing_event.v1","accession":"0000885550-25-000123","form_type":"8-K","ticker":"CACC","cik":"0000885550","company_name":"CREDIT ACCEPTANCE CORP","filed_at":"2025-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.478836+00:00","generated_at":"2026-05-17T01:30:41.009084+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Credit Acceptance Q3 GAAP EPS $9.43, adjusted EPS $10.28; loan volumes down 16.5%","bullets":["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%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000885550-25-000123","json":"https://secwatch.observer/filing/0000885550-25-000123.json","markdown":"https://secwatch.observer/filing/0000885550-25-000123.md","text":"https://secwatch.observer/filing/0000885550-25-000123.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/885550/000088555025000123/0000885550-25-000123-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/885550/000088555025000123/cacc-20251030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T01:30:41.009084+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"}