Credit Acceptance posts results for quarter ended Sept. 30, 2025

Credit Acceptance Corporation furnished an 8-K announcing its financial results for the three months ended September 30, 2025, and provided details for a related webcast held on October 30, 2025.

Rhea-AI Filing Summary

Credit Acceptance Corporation furnished an 8-K announcing its financial results for the three months ended September 30, 2025, and provided details for a related webcast held on October 30, 2025. The company disclosed this under Item 2.02 (Results of Operations and Financial Condition).

The press release containing the results is attached as Exhibit 99.1 and incorporated by reference. The company stated the information furnished under Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act.

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, or exhibit attachments filed with this report.

FAQ

What did CACC announce in this 8-K?

The company announced financial results for the three months ended September 30, 2025, and provided details for an October 30, 2025 webcast.

Which exhibit contains the results for CACC?

Exhibit 99.1 contains the press release dated October 30, 2025 with the results.

Is the information considered filed with the SEC?

No. The Item 2.02 information, including Exhibit 99.1, was furnished and shall not be deemed “filed” under Section 18 of the Exchange Act.

What is the reporting period covered?

The results cover the three months ended September 30, 2025.

What other exhibit was included?

Exhibit 104: Cover Page Interactive Data File with Inline XBRL tags.

When was the webcast mentioned?

The webcast was scheduled for October 30, 2025.

Who signed the report for CACC?

Jay D. Martin, Chief Financial Officer, signed the report.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 10/30/2025 - 04:04 PM Learn about SEC filing dates

0000885550false00008855502025-10-302025-10-30

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):   October 30, 2025

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 October 30, 2025, Credit Acceptance Corporation (the “Company”) issued a press release announcing its financial results for the three months ended September 30, 2025 and details for the related October 30, 2025 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 October 30, 2025.

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: October 30, 2025			By:			/s/ Jay D. Martin
						Jay D. Martin
						Chief Financial Officer