Credit Acceptance finances used-vehicle purchases for consumers with limited or impaired credit through partnerships with independent and franchised auto dealers. Its hallmark is a portfolio program in which dealers share in the economics of each loan, aligning incentives on underwriting and collections. The company advances funds to dealers and services the resulting loans, focusing on non-prime auto finance rather than prime bank auto lending. This dealer-centric model has made it a specialist in higher-risk used-car credit.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q1 2025 | 562.3 | — | 106.3 | -6.9% |
| Q2 2025 | 575.6 | — | 87.4 | -30% |
| Q3 2025 | 576.4 | — | 108.2 | 1.6% |
| Q4 2025 | 573.6 | — | 122 | -1% |
| Q1 2026 | 574.8 | 2.2% | 135.8 | 27.8% |
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