Credit Acceptance Q4 GAAP EPS $10.99; net income down 20% YoY; sets $75.5M legal reserve

CREDIT ACCEPTANCE CORP

2025-FY EPS reported $36.38 vs consensus $10.21 ▲ beat (+256.3%)

GAAP net income $122.0M ($10.99/sh) vs $151.9M ($12.26) in Q4 2024; adjusted net income $126.0M ($11.35/sh), flat YoY.
Loan unit volume 71,731 (-9.1% YoY); dollar volume $821.3M (-11.3% YoY); active dealers 9,863 (-2.8%).
Contingent legal loss of $35.8M in Q4; cumulative $82.6M; potential settlement of $75.5M with states/NY AG.
Repurchased 425,000 shares (3.8% of shares outstanding) for $191.4M in Q4.
Forecasted collection rates declined $34.2M (0.3%); average loan balance $7.9B.

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