Credit Acceptance Corporation (CACC)

Credit Acceptance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	2,050	1,993	1,755	1,686	1,743	1,562
Total Interest Expense	441.7	419.5	266.5	166.6	164.2	192
Net Interest Income	1,609	1,573	1,489	1,520	1,578	1,370
Other Revenue	175.3	169.7	146.5	146.1	113.4	106.9
Revenue Before Loan Losses	1,784	1,743	1,635	1,666	1,692	1,477
Provision for Loan Losses	790.6	814.7	736.2	481.4	8.4	556.9
Revenue	993.2	928.2	899.2	1,184	1,683	920.4
Revenue Growth (YoY)	14.60%	3.23%	-24.08%	-29.64%	82.90%	-24.33%
Salaries & Employee Benefits	319.3	309.2	280.2	262	218.1	186.5
Cost of Services Provided	264.2	265.8	249.6	210.7	204.4	177
Total Operating Expenses	583.5	575	529.8	472.7	422.5	363.5
Operating Income	409.7	353.2	369.4	711.7	1,261	556.9
EBT Excluding Unusual Items	409.7	353.2	369.4	711.7	1,261	556.9
Other Unusual Items	-1.2	-	-1.8	-	-	-7.4
Pretax Income	384.8	329.5	367.6	711.7	1,261	549.5
Income Tax Expense	94.9	81.6	81.5	175.9	302.6	128.5
Net Income	289.9	247.9	286.1	535.8	958.3	421
Net Income to Common	289.9	247.9	286.1	535.8	958.3	421
Net Income Growth	15.54%	-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)	-4.08%	-4.16%	-4.51%	-15.38%	-10.23%	-5.49%
EPS (Basic)	23.71	20.12	22.09	39.50	59.57	23.57
EPS (Diluted)	23.43	19.88	21.99	39.32	59.52	23.47
EPS Growth	20.51%	-9.59%	-44.07%	-33.94%	153.60%	-32.11%
Free Cash Flow	1,172	1,136	1,200	1,236	1,062	976.7
Free Cash Flow Per Share	94.71	91.11	92.22	90.69	65.95	54.45
Operating Margin	41.25%	38.05%	41.08%	60.09%	74.90%	60.51%
Profit Margin	29.19%	26.71%	31.82%	45.24%	56.93%	45.74%
Free Cash Flow Margin	118.03%	122.40%	133.43%	104.32%	63.08%	106.12%
Effective Tax Rate	24.66%	24.77%	22.17%	24.71%	24.00%	23.39%
Revenue as Reported	2,226	2,162	1,902	1,832	1,856	1,669

Updated Apr 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q