Credit Acceptance Corporation (CACC)

Credit Acceptance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	2,142	1,993	1,755	1,686	1,743
Net Interest Income Growth	7.48%	13.52%	4.10%	-3.23%	11.53%
Non-Interest Income	175.4	169.7	146.5	146.1	113.4
Non-Interest Income Growth	3.36%	15.84%	0.27%	28.84%	6.08%
Revenues Before Loan Losses	2,317	2,162	1,902	1,832	1,856
Provision for Credit Losses	616.1	814.7	736.2	481.4	8.4
Revenue	1,701	1,348	1,166	1,351	1,848
Revenue Growth (YoY)	26.22%	15.61%	-13.72%	-26.88%	66.09%
Compensation Expenses	337.1	309.2	280.2	262	218.1
Selling, General & Admin	262.8	192.3	178.9	164.3	165.6
Other Non-Interest Expenses	535.8	516.7	340	213	203
Total Non-Interest Expense	1,136	1,018	799.1	639.3	586.7
Pretax Income	565.4	329.5	367.6	711.7	1,261
Provision for Income Taxes	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 Growth	-7.31%	-5.31%	-2.90%	16.37%	8.71%
Free Cash Flow Per Share	90.38	91.11	92.22	90.69	65.95
Profit Margin	24.92%	18.39%	24.54%	39.66%	51.87%
FCF Margin	61.90%	84.30%	102.93%	91.46%	57.47%
EBITDA	26.6	27.8	26.6	25.6	26.3
EBITDA Margin	1.56%	2.06%	2.28%	1.89%	1.42%
Effective Tax Rate	25.03%	24.76%	22.17%	24.72%	24.00%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q