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.

• 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).

• 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 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.

• 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.

• 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 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.

• 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.

• 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.

• 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.

• 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 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%.

• 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.

• 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.

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