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
Period Ending	Sep '25 Sep 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
Interest and Dividend Income	2,125	1,993	1,755	1,686	1,743	1,562
Total Interest Expense	460.4	419.5	266.5	166.6	164.2	192
Net Interest Income	1,665	1,573	1,489	1,520	1,578	1,370
Other Revenue	178.2	169.7	146.5	146.1	113.4	106.9
Revenue Before Loan Losses	1,843	1,743	1,635	1,666	1,692	1,477
Provision for Loan Losses	609.9	814.7	736.2	481.4	8.4	556.9
Revenue	1,233	928.2	899.2	1,184	1,683	920.4
Revenue Growth (YoY)	45.72%	3.23%	-24.08%	-29.64%	82.90%	-24.33%
Salaries & Employee Benefits	335.4	309.2	280.2	262	218.1	186.5
Cost of Services Provided	296	265.8	249.6	210.7	204.4	177
Total Operating Expenses	631.4	575	529.8	472.7	422.5	363.5
Operating Income	601.5	353.2	369.4	711.7	1,261	556.9
EBT Excluding Unusual Items	601.5	353.2	369.4	711.7	1,261	556.9
Other Unusual Items	-1.2	-	-1.8	-	-	-7.4
Pretax Income	600.3	329.5	367.6	711.7	1,261	549.5
Income Tax Expense	146.5	81.6	81.5	175.9	302.6	128.5
Net Income	453.8	247.9	286.1	535.8	958.3	421
Net Income to Common	453.8	247.9	286.1	535.8	958.3	421
Net Income Growth	139.35%	-13.35%	-46.60%	-44.09%	127.63%	-35.83%
Shares Outstanding (Basic)	12	12	13	14	16	18
Shares Outstanding (Diluted)	12	12	13	14	16	18
Shares Change (YoY)	-4.79%	-4.16%	-4.51%	-15.38%	-10.23%	-5.49%
EPS (Basic)	38.49	20.12	22.09	39.50	59.57	23.57
EPS (Diluted)	37.89	19.88	21.99	39.32	59.52	23.47
EPS Growth	151.44%	-9.59%	-44.07%	-33.94%	153.60%	-32.11%
Free Cash Flow	1,090	1,136	1,200	1,236	1,062	976.7
Free Cash Flow Per Share	90.97	91.11	92.22	90.69	65.95	54.45
Operating Margin	48.79%	38.05%	41.08%	60.09%	74.90%	60.51%
Profit Margin	36.81%	26.71%	31.82%	45.24%	56.93%	45.74%
Free Cash Flow Margin	88.38%	122.40%	133.43%	104.32%	63.08%	106.12%
Effective Tax Rate	24.40%	24.77%	22.17%	24.71%	24.00%	23.39%
Revenue as Reported	2,303	2,162	1,902	1,832	1,856	1,669

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

SEC Filings: 10-K · 10-Q