Credit Acceptance Corporation reported full year (FY) financial results for the period ended December 31, 2025. Total revenue reached USD 2.32 billion, reflecting a 7.2 percent increase. Finance charges contributed USD 2.14 billion, up 7.5 percent. Premiums earned were USD 95.6 million and other income totaled USD 79.8 million, an 8.4 percent increase. Total operating expenses were USD 599.9 million, up 19.6 percent, with salaries and wages at USD 337.1 million, general and administrative expenses at USD 161.4 million, and sales and marketing expenses at USD 101.4 million. The total provision for credit losses amounted to USD 616.1 million, a decrease of 24.4 percent. Credit Acceptance Corporation highlighted its continued commitment to providing innovative vehicle financing solutions through its nationwide dealer network, enabling vehicle ownership for consumers regardless of credit history. The company emphasized transparency in its business economics, including financial condition and leverage, and noted that estimates regarding finance charge revenue and the allowance for credit losses remain a critical focus for management.

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