Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

522.61

+1.88 (0.36%)

At close: Sep 5, 2025, 4:00 PM

521.00

-1.61 (-0.31%)

After-hours: Sep 5, 2025, 5:25 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 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2020
Interest and Dividend Income	2,093	1,993	1,755	1,686	1,743	1,562	Upgrade
Total Interest Expense	455.3	419.5	266.5	166.6	164.2	192	Upgrade
Net Interest Income	1,638	1,573	1,489	1,520	1,578	1,370	Upgrade
Other Revenue	177.9	169.7	146.5	146.1	113.4	106.9	Upgrade
Revenue Before Loan Losses	1,816	1,743	1,635	1,666	1,692	1,477	Upgrade
Provision for Loan Losses	642.6	814.7	736.2	481.4	8.4	556.9	Upgrade
Revenue	1,173	928.2	899.2	1,184	1,683	920.4	Upgrade
Revenue Growth (YoY)	43.92%	3.23%	-24.08%	-29.64%	82.90%	-24.33%	Upgrade
Salaries & Employee Benefits	327.2	309.2	280.2	262	218.1	186.5	Upgrade
Cost of Services Provided	286.9	265.8	249.6	210.7	204.4	177	Upgrade
Total Operating Expenses	614.1	575	529.8	472.7	422.5	363.5	Upgrade
Operating Income	559.1	353.2	369.4	711.7	1,261	556.9	Upgrade
EBT Excluding Unusual Items	559.1	353.2	369.4	711.7	1,261	556.9	Upgrade
Other Unusual Items	-1.2	-	-1.8	-	-	-7.4	Upgrade
Pretax Income	557.9	329.5	367.6	711.7	1,261	549.5	Upgrade
Income Tax Expense	133.5	81.6	81.5	175.9	302.6	128.5	Upgrade
Net Income	424.4	247.9	286.1	535.8	958.3	421	Upgrade
Net Income to Common	424.4	247.9	286.1	535.8	958.3	421	Upgrade
Net Income Growth	133.70%	-13.35%	-46.60%	-44.09%	127.63%	-35.83%	Upgrade
Shares Outstanding (Basic)	12	12	13	14	16	18	Upgrade
Shares Outstanding (Diluted)	12	12	13	14	16	18	Upgrade
Shares Change (YoY)	-4.08%	-4.16%	-4.51%	-15.38%	-10.23%	-5.49%	Upgrade
EPS (Basic)	35.23	20.12	22.09	39.50	59.57	23.57	Upgrade
EPS (Diluted)	34.75	19.88	21.99	39.32	59.52	23.47	Upgrade
EPS Growth	143.69%	-9.59%	-44.07%	-33.94%	153.60%	-32.11%	Upgrade
Free Cash Flow	1,108	1,136	1,200	1,236	1,062	976.7	Upgrade
Free Cash Flow Per Share	90.72	91.11	92.22	90.69	65.95	54.45	Upgrade
Operating Margin	47.66%	38.05%	41.08%	60.09%	74.90%	60.51%	Upgrade
Profit Margin	36.18%	26.71%	31.82%	45.24%	56.93%	45.74%	Upgrade
Free Cash Flow Margin	94.45%	122.40%	133.43%	104.32%	63.08%	106.12%	Upgrade
Effective Tax Rate	23.93%	24.77%	22.17%	24.71%	24.00%	23.39%	Upgrade
Revenue as Reported	2,271	2,162	1,902	1,832	1,856	1,669	Upgrade

Updated Jul 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q