Credit Acceptance Q2 GAAP EPS $12.66, adjusted $12.12; net income $135.9M, up 55.5% YoY

CREDIT ACCEPTANCE CORP

GAAP net income $135.9M ($12.66/diluted) vs $87.4M ($7.42) YoY; adjusted net income $130.1M ($12.12).
Loan portfolio avg balance $8.0B flat YoY; unit volume -1.0%, dollar volume +0.1%.
Forecasted net cash flows declined $39.1M (0.3%) vs $55.8M (0.5%) in Q2 2025.
Repurchased 262,963 shares (2.5%) for $141.4M; liquidity $1.4B.
Record 11,004 active dealers; 1,456 new enrolled; AI agent handled 67% of inbound calls in June.

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