Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

605.46

+8.47 (1.42%)

At close: Sep 10, 2026, 4:00 PM EDT

608.75

+3.29 (0.54%)

After-hours: Sep 10, 2026, 6:10 PM EDT

Credit Acceptance Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	2,159	2,142	1,993	1,755	1,686	1,743
Total Interest Expense	445.9	462.9	419.5	266.5	166.6	164.2
Net Interest Income	1,713	1,679	1,573	1,489	1,520	1,578
Other Revenue	170.7	175.4	169.7	146.5	146.1	113.4
Revenue Before Loan Losses	1,884	1,854	1,743	1,635	1,666	1,692
Provision for Loan Losses	580.4	616.1	814.7	736.2	481.4	8.4
Revenue	1,303	1,238	928.2	899.2	1,184	1,683
Revenue Growth	11.10%	33.40%	3.23%	-24.08%	-29.64%	82.90%
Salaries & Employee Benefits	331.5	337.1	309.2	280.2	262	218.1
Cost of Services Provided	322.4	334.5	265.8	249.6	210.7	204.4
Total Operating Expenses	653.9	671.6	575	529.8	472.7	422.5
Operating Income	649.5	566.6	353.2	369.4	711.7	1,261
EBT Excluding Unusual Items	649.5	566.6	353.2	369.4	711.7	1,261
Other Unusual Items	-	-1.2	-	-1.8	-	-
Pretax Income	649.5	565.4	329.5	367.6	711.7	1,261
Income Tax Expense	147.6	141.5	81.6	81.5	175.9	302.6
Net Income	501.9	423.9	247.9	286.1	535.8	958.3
Net Income to Common	501.9	423.9	247.9	286.1	535.8	958.3
Net Income Growth	18.26%	71.00%	-13.35%	-46.60%	-44.09%	127.63%
Shares Outstanding (Basic)	11	11	12	13	14	16
Shares Outstanding (Diluted)	11	12	12	13	14	16
Shares Change	-9.42%	-6.56%	-4.16%	-4.51%	-15.38%	-10.23%
EPS (Basic)	46.30	37.02	20.12	22.09	39.50	59.57
EPS (Diluted)	45.36	36.38	19.88	21.99	39.32	59.52
EPS Growth	30.54%	83.00%	-9.59%	-44.07%	-33.94%	153.60%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Free Cash Flow	1,221	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Per Share	110.36	90.38	91.11	92.22	90.69	65.95
Operating Margin	49.83%	45.76%	38.05%	41.08%	60.09%	74.90%
Profit Margin	38.51%	34.23%	26.71%	31.82%	45.24%	56.93%
Free Cash Flow Margin	93.69%	85.04%	122.40%	133.43%	104.32%	63.08%
Effective Tax Rate	22.73%	25.03%	24.77%	22.17%	24.71%	24.00%
Revenue as Reported	2,330	2,317	2,162	1,902	1,832	1,856

SEC Filings: 10-K · 10-Q