Credit Acceptance (NASDAQ: CACC) issues Dec. 31, 2025 results release

Rhea-AI Filing Summary

Credit Acceptance Corporation filed a current report to note that on January 29, 2026 it issued a press release announcing its financial results for the three months ended December 31, 2025 and providing details for a related webcast held the same day.

The press release is furnished as Exhibit 99.1 and is expressly not deemed filed for liability purposes under Section 18 of the Exchange Act or automatically incorporated into other securities law filings. The report also lists the related Inline XBRL cover page data as Exhibit 104.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported):   January 29, 2026

CREDIT ACCEPTANCE CORPORATION

(Exact name of registrant as specified in its charter)

Michigan

000-20202

38-1999511

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

25505 West Twelve Mile Road

Southfield,

Michigan

48034-8339

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code:   (248) 353-2700

Not Applicable

(Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common Stock, $.01 par value

CACC

The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02. Results of Operations and Financial Condition.

On January 29, 2026, Credit Acceptance Corporation (the “Company”) issued a press release announcing its financial results for the three months ended December 31, 2025 and details for the related January 29, 2026 webcast. The press release is attached as Exhibit 99.1 to this Form 8-K and incorporated herein by reference.

The information furnished pursuant to this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.

Description

99.1

Press release dated January 29, 2026.

104

Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			CREDIT ACCEPTANCE CORPORATION
Date: January 29, 2026			By:			/s/ Jay D. Martin
						Jay D. Martin
						Chief Financial Officer

FAQ

What did Credit Acceptance (CACC) disclose in the January 29, 2026 8-K?

Credit Acceptance disclosed that it issued a press release announcing financial results for the three months ended December 31, 2025, along with details for a same-day webcast. The press release is furnished as Exhibit 99.1 and is not treated as filed under Section 18.

Which period’s results did Credit Acceptance (CACC) highlight in this 8-K?

The company highlighted its financial results for the three months ended December 31, 2025. These results were announced through a January 29, 2026 press release that is attached to the report as Exhibit 99.1 and incorporated by reference only if specifically cited.

How did Credit Acceptance (CACC) provide access to its January 29, 2026 earnings information?

Credit Acceptance provided earnings information through a press release dated January 29, 2026 and a related webcast on the same date. The press release is furnished as Exhibit 99.1 to the report, giving investors structured access to the company’s quarterly financial discussion.

Is Credit Acceptance’s Exhibit 99.1 in the 8-K considered filed with the SEC?

No. The company states that the information furnished under Item 2.02, including Exhibit 99.1, is not deemed filed for purposes of Section 18 of the Exchange Act, and is not incorporated into other filings unless specifically referenced there by the company.

What additional exhibits did Credit Acceptance (CACC) include with this 8-K filing?

Beyond the earnings press release in Exhibit 99.1, Credit Acceptance included Exhibit 104, which is the cover page interactive data file. This exhibit contains the cover page XBRL tags embedded within the Inline XBRL document for structured reporting of key cover information.

Who signed the January 29, 2026 Credit Acceptance (CACC) 8-K?

The report was signed on behalf of Credit Acceptance Corporation by Jay D. Martin, the company’s Chief Financial Officer. His signature indicates authorization of the filing under the requirements of the Securities Exchange Act of 1934 for this current report on Form 8-K.