Credit Acceptance CEO outlines strategy in first shareholder letter; highlights tech investments and dealer partnerships

CREDIT ACCEPTANCE CORP

CEO (appointed Nov 2025) focuses on maximizing long-term intrinsic value per share; emphasizes disciplined pricing and wide margin of safety.
Accelerated tech investments: originations system upgrade, AI tools, data infrastructure, and dealer-facing systems.
Dealer anecdote: West 40 Auto Sales funded 40+ pools, generating over $4M in portfolio profit, helping 3,000+ consumers.
Strategy includes granular segmentation by credit band, geography, dealer segment, and vehicle price to identify growth opportunities.
Purpose-driven mission: enabling credit access for non-prime consumers; cites consumer story 'Ms. Good' as example of impact.

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