---
schema_version: "secwatch.filing_event.v1"
accession: "0000885550-26-000181"
form_type: "8-K"
ticker: "CACC"
cik: "0000885550"
company_name: "CREDIT ACCEPTANCE CORP"
filed_at: "2026-08-04T20:03:13+00:00"
generated_at: "2026-08-04T20:04:36.093327+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000885550-26-000181
- form_type: 8-K
- ticker: CACC
- cik: 0000885550
- company_name: CREDIT ACCEPTANCE CORP
- filed_at: 2026-08-04T20:03:13+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/885550/000088555026000181/0000885550-26-000181-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/885550/000088555026000181/cacc-20260804.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000885550-26-000181
- JSON: https://secwatch.observer/filing/0000885550-26-000181.json
- Plain text: https://secwatch.observer/filing/0000885550-26-000181.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.