Credit Acceptance Reports Q4 Profit of $122M, Shares Down 14% YTD; CACC at $451.24

Credit Acceptance Corp. (CACC) reported Q4 net income of $122 million, or $10.99 per share, with adjusted EPS of $11.35, on revenue of $579.9 million as of January 29, 2026. The Southfield, Michigan-based auto lender’s stock closed at $451.24 on Thursday, down 14% over the past 12 months despite a nearly 2% gain year-to-date in 2026. The results reflect continued pressure on subprime auto financing amid rising delinquencies and tighter credit conditions. Data sourced from Zacks Investment Research via Automated Insights.