Credit Acceptance Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	2,142	1,993	1,755	1,686	1,743
Total Interest Expense	462.9	419.5	266.5	166.6	164.2
Net Interest Income	1,679	1,573	1,489	1,520	1,578
Other Revenue	175.4	169.7	146.5	146.1	113.4
Revenue Before Loan Losses	1,854	1,743	1,635	1,666	1,692
Provision for Loan Losses	616.1	814.7	736.2	481.4	8.4
Revenue	1,238	928.2	899.2	1,184	1,683
Revenue Growth (YoY)	33.40%	3.23%	-24.08%	-29.64%	82.90%
Salaries & Employee Benefits	337.1	309.2	280.2	262	218.1
Cost of Services Provided	334.5	265.8	249.6	210.7	204.4
Total Operating Expenses	671.6	575	529.8	472.7	422.5
Operating Income	566.6	353.2	369.4	711.7	1,261
EBT Excluding Unusual Items	566.6	353.2	369.4	711.7	1,261
Other Unusual Items	-1.2	-	-1.8	-	-
Pretax Income	565.4	329.5	367.6	711.7	1,261
Income Tax Expense	141.5	81.6	81.5	175.9	302.6
Net Income	423.9	247.9	286.1	535.8	958.3
Net Income to Common	423.9	247.9	286.1	535.8	958.3
Net Income Growth	71.00%	-13.35%	-46.60%	-44.09%	127.63%
Shares Outstanding (Basic)	11	12	13	14	16
Shares Outstanding (Diluted)	12	12	13	14	16
Shares Change (YoY)	-6.56%	-4.16%	-4.51%	-15.38%	-10.23%
EPS (Basic)	37.02	20.12	22.09	39.50	59.57
EPS (Diluted)	36.38	19.88	21.99	39.32	59.52
EPS Growth	83.00%	-9.59%	-44.07%	-33.94%	153.60%
Free Cash Flow	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Per Share	90.38	91.11	92.22	90.69	65.95
Operating Margin	45.76%	38.05%	41.08%	60.09%	74.90%
Profit Margin	34.23%	26.71%	31.82%	45.24%	56.93%
Free Cash Flow Margin	85.04%	122.40%	133.43%	104.32%	63.08%
Effective Tax Rate	25.03%	24.77%	22.17%	24.71%	24.00%
Revenue as Reported	2,317	2,162	1,902	1,832	1,856

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.