AmeriCredit (ACF) beat second-quarter estimates and guided higher.The Fort Worth, Texas, subprime car lender made $95 million, or 74 cents a share, for the quarter ended Dec. 31, up from the year-ago $87 million, or 59 cents a share. Analysts surveyed by Thomson Financial were looking for a 72-cent profit. Automobile loan purchases increased to $1.74 billion for the second quarter of fiscal year 2007, compared with $1.34 billion for the same period last year. Annualized net charge-offs totaled 5.8% of average managed receivables for the December 2006 quarter compared with 5.9% for the December 2005 quarter. "With the broader product spectrum provided by our recent acquisitions and solid origination trends coming out of the first half of our fiscal year, we are well positioned to take advantage of the seasonally strong March and June quarters," said CEO Dan Berce. The company boosted its full-year per-share earnings guidance to a range of $2.54 to $2.74, up from the previous range of $2.45 to $2.65. Analysts were looking for $2.63.