CREDIT ACCEPTANCE CORP — Form 8-K
Filed August 4, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 48/100
What the filing says
Credit Acceptance reported Q2 2026 GAAP net income of $135.9M ($12.66/diluted share) vs. $87.4M in Q2 2025—a 55.5% increase. Adjusted net income was $130.1M ($12.12/diluted share). The company repurchased 262,963 shares (2.5% of outstanding) for $141.4M. Consumer loan assignment unit volume declined 1.0% YoY to 84,615 units, but dollar volume grew 0.1% to $1.0B; monthly unit volume returned to YoY growth in June and continued into July (+28.0% in July 2026). Active dealers increased 3.3% to 11,004. Economic profit rose 25.8% to $52.6M. Adjusted return on capital improved 50 bps to 9.8%; adjusted ROC exceeds cost of capital (7.4%) by 240 bps.
Why this rating
Strong earnings growth and improving operational trends, but within company's $2.8B scale and normal quarterly range; modest significance relative to size.
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