Credit Acceptance Corp. Files 8-K

Ticker: CACC · Form: 8-K · Filed: Apr 3, 2026 · CIK: 0000885550

Sentiment: neutral

Topics: 8-K, regulatory-filing, disclosure

TL;DR

CAC files 8-K, standard disclosure. Nothing major flagged.

AI Summary

Credit Acceptance Corp. filed an 8-K on April 3, 2026, reporting under Item 7.01 (Regulation FD Disclosure) and Item 9.01 (Financial Statements and Exhibits). The filing includes an 8-K document, an exhibit (EX-99.1), and various XBRL-related files. The company is located in Southfield, MI.

Why It Matters

This 8-K filing indicates routine corporate reporting, likely containing updates or disclosures relevant to investors and regulatory compliance.

Risk Assessment

Risk Level: low — This filing appears to be a standard regulatory disclosure with no immediate indication of significant financial events or risks.

Key Numbers

Key Players & Entities

FAQ

What specific information is disclosed under Item 7.01 (Regulation FD Disclosure)?

The filing does not detail the specific content of the Regulation FD Disclosure in the provided text; it only indicates that this item is being reported.

What is the purpose of the XBRL files included in the filing?

The XBRL files (schema, label, presentation, and instance documents) are used for structured, machine-readable financial data reporting to the SEC.

What is the business of Credit Acceptance Corp. based on the SIC code?

Based on SIC code 6141, Credit Acceptance Corp. is in the Personal Credit Institutions industry.

When is Credit Acceptance Corp.'s fiscal year end?

Credit Acceptance Corp.'s fiscal year ends on December 31 (1231).

What is the significance of the 'EX-99.1' document?

EX-99.1 is an exhibit filed with the 8-K, often containing material information or supplementary documents not included in the main body of the report.

Filing Stats: 1,550 words · 6 min read · ~5 pages · Grade level 14.5 · Accepted 2026-04-03 08:53:06

Filing Documents

01 Regulation FD Disclosure

Item 7.01 Regulation FD Disclosure. Credit Acceptance Corporation is furnishing materials, included as Exhibit 99.1 to this report and incorporated herein by reference, which were prepared for inclusion on its investor relations website. Credit Acceptance Corporation is not undertaking to update these materials. This report is not an admission as to the materiality of any information contained in these materials. The information furnished pursuant to this Item 7.01, 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.

01 Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits. (d) Exhibits. Exhibit No. Description 99.1 Shareholder Letter added to website on or about April 3, 2026. 104 Cover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document

Forward-Looking Statements

Forward-Looking Statements This Current Report on Form 8-K, including Exhibit 99.1, contain forward-looking statements. These forward-looking statements are subject to risks and uncertainties and include information about our expectations and possible or assumed future results of operations. When we use any of the words "may," "will," "should," "believe," "expect," "anticipate," "assume," "forecast," "estimate," "intend," "plan," "target" or similar expressions, we are making forward-looking statements. We claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995 for all of our forward-looking statements. These forward-looking statements represent our outlook only as of the date of this report. While we believe that our forward-looking statements are reasonable, actual results could differ materially since the statements are based on our current expectations, which are subject to risks and uncertainties. Factors that might cause such a difference include, but are not limited to, the factors set forth in Item 1A of our Form 10-K for the year ended December 31, 2025, filed with the Securities and Exchange Commission on February 13, 2026, and the risks and uncertainties discussed in our other reports filed or furnished from time to time with the SEC and the following: Industry, Operational, and Macroeconomic Risks Our inability to accurately forecast and estimate the amount and timing of future collections could have a material adverse effect on results of operations. Due to competition from traditional financing sources and non-traditional lenders, we may not be able to compete successfully. Adverse changes in economic conditions, the automobile or finance industries, or the non-prime consumer market could adversely affect our financial position, liquidity, and results of operations, the ability of key vendors that we depend on to supply us with services, and our ability to enter i

SIGNATURES

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: April 3, 2026 By: /s/ Jay D. Martin Jay D. Martin Chief Financial Officer

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