Recent 8-K filings for CACC

• June 15, 2026, 4:01 PM ET debt materiality 0.60 positive item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance extends revolving credit facility maturity to 2029, lowers spread by 22.5 bps

  Maturity extended from June 22, 2028 to June 22, 2029.

• June 10, 2026, 4:40 PM ET leadership materiality 0.65 neutral item 5.02item 7.01item 9.01 ◈ executive_change ×2

  Credit Acceptance appoints Joe Billante as CFO; Jay Martin retiring after 23 years

  Jay Martin, CFO since 2003, retires July 27, 2026; will consult through Aug 31 at same pay.

• June 10, 2026, 4:05 PM ET other materiality 0.15 neutral item 5.07 ◈ Shareholder Votes ×3

  Credit Acceptance shareholders elect all six directors, approve pay, ratify auditor at annual meeting

  All six director nominees reelected with strong majorities; highest withheld vote was 15% for Scott Vassalluzzo (944,853 withheld).

• May 11, 2026, 4:01 PM ET debt materiality 0.65 positive item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance completes $450M asset-backed financing at ~5.2% cost

  Conveyed $562.6M of consumer loans as collateral; notes issued in three tranches: $248.75M Class A (4.65%), $91.32M Class B (4.96%), $109.93M Class C (5.28%).

• May 5, 2026, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01 ◈ Earnings Releases

  Credit Acceptance Q1 GAAP EPS $12.40, adjusted $10.71; loan forecast volatility eases

  GAAP net income $135.8M ($12.40/diluted share) vs $106.3M ($8.66) YoY; adjusted net income $117.3M ($10.71).

• April 3, 2026, 7:59 PM ET other material materiality 0.40 positive item 7.01item 9.01

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

  CEO (appointed Nov 2025) focuses on maximizing long-term intrinsic value per share; emphasizes disciplined pricing and wide margin of safety.

• January 29, 2026, 6:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

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

  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.

• January 26, 2026, 6:59 PM ET leadership materiality 0.50 neutral item 5.02

  Credit Acceptance CAO Arthur Smith and CSO Daniel Ulatowski retiring Feb 1, 2026

  Arthur L. Smith (CAO) and Daniel A. Ulatowski (CSO) retire as officers effective Feb 1, 2026.

• January 20, 2026, 6:59 PM ET debt materiality 0.65 positive item 1.01item 8.01item 9.01 ◈ Material Agreements

  Credit Acceptance extends $100M Term ABS 2021-1 to Jan 2028, reduces rate by 80bps

  Revolving period extended from Feb 17, 2026 to Jan 18, 2028.

• November 19, 2025, 6:59 PM ET debt materiality 0.60 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  CACC completes $500M asset-backed financing, its 60th term securitization

  Issued $500M in three classes of ABS notes: A ($284.6M, 4.50%), B ($104.6M, 4.87%), C ($110.8M, 5.38%).

• October 30, 2025, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01

  Credit Acceptance Q3 GAAP EPS $9.43, adjusted EPS $10.28; loan volumes down 16.5%

  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).

• October 28, 2025, 7:59 PM ET leadership materiality 0.65 neutral item 5.02item 7.01item 9.01

  CEO Ken Booth to retire Jan 2026; Vinayak Hegde appointed as next CEO effective Nov 13, 2025

  Kenneth S. Booth retires as CEO and President effective Jan 31, 2026; will remain a board member.

• October 20, 2025, 7:59 PM ET other material materiality 0.55 positive item 7.01item 9.01

  Credit Acceptance reports $12.3B forecasted collections, $4.5B cushion over debt

  Total forecasted collections of $12.3B as of Sep 30, 2025; cushion of $4.5B after expenses & $6.4B debt.

• September 30, 2025, 7:59 PM ET other material materiality 0.55 positive item 8.01

  Credit Acceptance Corp authorizes repurchase of up to 2 million shares

  Board authorized 2M share buyback in addition to prior authorizations; no expiration date.

• September 24, 2025, 7:59 PM ET debt materiality 0.50 positive item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance extends $200M warehouse facility to Sep 2028, cuts spread by 40 bps

  Revolving secured warehouse facility extended from Sep 2026 to Sep 2028.

• September 15, 2025, 7:59 PM ET other materiality 0.20 neutral item 7.01item 9.01

  Credit Acceptance updates loan performance trends and SSN/ITIN pilot program

  Loan performance for two months ended Aug 31, 2025 consistent with recent quarter trends.

• August 4, 2025, 7:59 PM ET debt materiality 0.40 positive item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance extends $300M warehouse facility to 2028, reduces spread by 16.4 bps

  Revolving period extended from December 29, 2026 to July 30, 2028.

• July 31, 2025, 7:59 PM ET earnings materiality 0.75 neutral item 2.02item 9.01

  Credit Acceptance Q2 GAAP EPS $7.42; adjusted EPS $8.56; loan volume down 14.6% YoY

  GAAP net income $87.4M ($7.42 diluted EPS) vs loss of $47.1M (-$3.83) in Q2 2024.

• July 16, 2025, 7:59 PM ET debt materiality 0.45 positive item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance extends $75M warehouse facility to 2028; lowers rate and servicing fee

  Revolving period extended from Sept 30, 2026 to Sept 30, 2028 on $75M secured warehouse facility.

• June 30, 2025, 7:59 PM ET debt materiality 0.30 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance extends revolving credit facility maturity to June 2028

  Maturity extended from June 22, 2027 to June 22, 2028 under the Sixth Amended and Restated Credit Agreement.

• June 4, 2025, 7:59 PM ET other materiality 0.10 neutral item 5.07

  Credit Acceptance shareholders elect directors, approve say-on-pay, ratify Grant Thornton

  All six director nominees elected with 5.85M to 5.97M votes for and ~2.7M broker non-votes each.

• April 30, 2025, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01

  Credit Acceptance Q1 GAAP net income $106.3M ($8.66/sh); assignment volume falls 10.1% YoY

  GAAP net income $106.3M ($8.66 diluted EPS) vs $64.3M ($5.08) in Q1 2024; adjusted net income $114.8M ($9.35).

• April 2, 2025, 7:59 PM ET debt materiality 0.55 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance closes $400M asset-backed financing with 5.6% average cost

  $400M in notes issued (Class A $223.1M at 5.02%, B $65.8M at 5.30%, C $111.1M at 5.71%) backed by $500.2M consumer loans.

• April 2, 2025, 7:59 PM ET other material materiality 0.65 positive item 7.01item 9.01

  Credit Acceptance reports record 2024 loan assignments of 386,126; portfolio reaches $8.9B

  Loan assignment volume in 2024 was 386,126 contracts, a new single-year high; unit and dollar volumes grew 16.1% and 11.3% YoY.

• February 28, 2025, 6:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance closes $500M 6.625% senior notes due 2030, redeems all 2026 notes

  Issued $500M aggregate principal of 6.625% senior notes due 2030 at 100% of par.

• February 13, 2025, 6:59 PM ET debt materiality 0.55 neutral item 8.01item 9.01

  Credit Acceptance plans $400M senior notes offering to refinance 6.625% notes due 2026

  Offering $400M aggregate principal of senior notes due 2030 to qualified institutional buyers under Rule 144A.

• February 13, 2025, 6:59 PM ET debt materiality 0.55 neutral item 8.01item 9.01

  Credit Acceptance prices $500M 6.625% senior notes due 2030, upsized from $400M

  Priced $500M aggregate principal of 6.625% senior notes due 2030 at 100% issue price; offering size increased from $400M.

• February 13, 2025, 6:59 PM ET debt materiality 0.55 neutral item 8.01item 9.01

  Credit Acceptance conditionally redeems $400M of 6.625% notes due 2026 with new 2030 notes

  Conditional notice to redeem all $400M of 6.625% senior notes due 2026 on Feb 28, 2025.

• January 30, 2025, 6:59 PM ET earnings materiality 0.65 neutral item 2.02item 9.01

  Credit Acceptance Q4 2024: GAAP net income $151.9M ($12.26 EPS); adjusted EPS $10.17; unit volume growth slows to 0.3%

  GAAP net income $151.9M vs $93.6M YoY; diluted EPS $12.26 vs $7.29.

• December 23, 2024, 6:59 PM ET debt materiality 0.55 neutral item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance closes $300M asset-backed financing; notes priced 5.79%-6.67%

  Conveyed $375.1M in consumer loans to SPE, issued three note classes totaling $300M.

• December 10, 2024, 6:59 PM ET debt materiality 0.50 positive item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance expands warehouse facility to $250M, extends maturity, lowers rate

  Facility increased from $200M to $250M; revolving period extended to Dec 2027, maturity to Dec 2029.

• October 30, 2024, 7:59 PM ET earnings materiality 0.75 neutral item 2.02item 9.01

  Credit Acceptance Q3 GAAP EPS $6.35 vs $5.43 YoY; adjusted EPS $8.79 vs $10.70

  GAAP net income $78.8M ($6.35/diluted share) vs $70.8M ($5.43) in Q3 2023.

• October 2, 2024, 7:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance closes $600M asset-backed securitization; notes bear 4.68-5.39% interest

  Conveyed consumer loans valued at ~$750.2M to special-purpose trust.

• September 24, 2024, 7:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance ups warehouse revolver to $500M, extends two debt facilities

  Warehouse Facility II increased from $400M to $500M, maturity extended to Sept 20, 2027.

• July 31, 2024, 7:59 PM ET earnings materiality 0.80 negative item 1.01item 2.02item 9.01

  Credit Acceptance reports Q2 GAAP net loss of $47.1M; adjusts forecast methodology reducing cash flows by $147.2M

  GAAP net loss $47.1M ($3.83 diluted loss) vs net income $22.2M ($1.69) in Q2 2023.

• June 26, 2024, 7:59 PM ET debt materiality 0.55 neutral item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance closes $550M ABS financing, upsizes existing facility by $100M

  Completed $550M non-recourse secured ABS (Term ABS 2024-2) with 3 note classes: A $272.4M (5.95%), B $110.3M (6.11%), C $167.3M (6.70%); expected cost ~6.5%.

• June 20, 2024, 7:59 PM ET debt materiality 0.35 neutral item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance extends revolver maturity to 2027, rate switches to SOFR+197.5 bps

  Maturity of secured line of credit extended from June 22, 2026 to June 22, 2027.

• June 5, 2024, 7:59 PM ET other material materiality 0.10 neutral item 5.07

  Credit Acceptance shareholders approve all four proposals at annual meeting

  Elected six directors (Booth, Flanagan, Hegde, Quinn, Tryforos, Vassalluzzo) to one-year terms.

• April 30, 2024, 7:59 PM ET earnings materiality 0.70 negative item 2.02item 9.01 ◈ Earnings Releases

  Credit Acceptance Q1 GAAP net income down 35% to $64.3M; adjusted EPS $9.28 vs $9.71 YoY

  GAAP EPS $5.08 vs $7.61 YoY; adjusted EPS $9.28 vs $9.71; net income fell on $48.6M higher provision for credit losses.

• April 3, 2024, 7:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance closes $500M asset-backed non-recourse financing

  $500M notes issued in 3 classes: A ($298M, 5.68%, 2.35yr), B ($64M, 6.03%, 2.82yr), C ($137M, 6.71%, 3.12yr).

• April 3, 2024, 7:59 PM ET other material materiality 0.70 neutral item 7.01item 9.01

  Credit Acceptance reports record loan portfolio of $7.0B; volume and spread growth continue

  Loan portfolio reached $7.0B at year-end 2023 (highest ever); unit and dollar volumes grew 18.6% and 14.4%.

• February 29, 2024, 6:59 PM ET debt materiality 0.55 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance closes $200M asset-backed financing at ~7.8% avg cost

  Three tranches: $106M class A at 6.95%, $43.9M class B at 7.68%, $50M class C at 8.30%.

• February 22, 2024, 6:59 PM ET debt materiality 0.50 neutral item 1.01item 8.01item 9.01 ◈ Material Agreements

  Credit Acceptance extends $100M ABS financing revolving period to Feb 2026

  Term ABS 2021-1 revolving period extended from Dec 16, 2024 to Feb 17, 2026.

• January 31, 2024, 6:59 PM ET earnings materiality 0.75 negative item 2.02item 9.01 ◈ Earnings Releases

  Credit Acceptance Q4 GAAP EPS $7.29, down 24% YoY; adjusted EPS $10.06

  GAAP net income $93.6M vs $127.3M YoY; revenue growth not disclosed.

• January 25, 2024, 6:59 PM ET leadership materiality 0.60 neutral item 5.02item 7.01item 9.01 ◈ executive_change ×2

  Credit Acceptance appoints Jay Martin as CFO, replacing CEO Booth as principal financial officer

  Jay Martin appointed CFO effective Jan 23, 2024; previously SVP Finance and Accounting.

• January 4, 2024, 6:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance extends $300M warehouse facility revolving period to Dec 2026

  Fifth amendment extends revolving period from May 20, 2025 to December 29, 2026.

• December 27, 2023, 6:59 PM ET debt materiality 0.50 neutral item 1.01item 2.03item 8.01item 9.01 ◈ Debt Financings

  Credit Acceptance closes $294M asset-backed non-recourse financing; 3 tranches

  Conveyed $375.1M in consumer loans; notes: Class A $158M at 6.13%, B $67.5M at 6.71%, C $68.4M at 7.30%.

• December 19, 2023, 6:59 PM ET debt materiality 0.60 neutral item 1.01item 2.03item 8.01item 9.01

  Credit Acceptance closes $600M 9.25% notes, tenders $322M of 2024 notes

  Issued $600M aggregate principal of 9.250% Senior Notes due 2028 at 100% of par.

• December 15, 2023, 6:59 PM ET debt materiality 0.50 neutral item 8.01item 9.01

  Credit Acceptance announces $322M of $400M notes tendered in debt tender offer

  $322,270,000 of $400M 5.125% senior notes due 2024 validly tendered by Dec 14 expiration.

• December 6, 2023, 6:59 PM ET debt materiality 0.50 neutral item 8.01item 9.01

  Credit Acceptance prices $600M 9.250% senior notes due 2028; upsized from $500M

  Priced $600M aggregate principal of 9.250% senior notes due 2028 at 100% par.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.80 · Median 0.55 · Most common event debt

13 positive 5 negative 32 neutral

source · CACC on sec.gov