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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	1,638	1,573	1,489	1,520	1,578	1,370
Net Interest Income Growth	8.19%	5.66%	-2.03%	-3.72%	15.18%	16.81%
Non-Interest Income	175.9	146	144.7	146.1	113.4	99.5
Non-Interest Income Growth	12.61%	0.90%	-0.96%	28.84%	13.97%	-15.53%
Revenues Before Loan Losses	1,814	1,719	1,634	1,666	1,692	1,470
Provision for Credit Losses	642.6	814.7	736.2	481.4	8.4	556.9
Revenue	1,171	904.5	897.4	1,184	1,683	913
Revenue Growth (YoY)	43.67%	0.79%	-24.23%	-29.64%	84.38%	-24.83%
Compensation Expenses	327.2	309.2	280.2	262	218.1	186.5
Selling, General & Admin	214.8	192.3	178.9	164.3	165.6	139.1
Other Non-Interest Expenses	72.1	73.5	70.7	46.4	38.8	37.9
Total Non-Interest Expense	614.1	575	529.8	472.7	422.5	363.5
Pretax Income	557.9	329.5	367.6	711.7	1,261	549.5
Provision for Income Taxes	133.5	81.6	81.5	175.9	302.6	128.5
Net Income	424.4	247.9	286.1	535.8	958.3	421
Net Income to Common	424.4	247.9	286.1	535.8	958.3	421
Net Income Growth	133.70%	-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)	-3.82%	-4.16%	-4.51%	-15.38%	-10.23%	-5.49%
EPS (Basic)	35.10	20.12	22.09	39.50	59.57	23.57
EPS (Diluted)	34.63	19.88	21.99	39.32	59.52	23.47
EPS Growth	148.42%	-9.59%	-44.07%	-33.94%	153.60%	-32.11%
Free Cash Flow	1,108	1,136	1,200	1,236	1,062	976.7
Free Cash Flow Growth	-2.46%	-5.31%	-2.90%	16.37%	8.71%	24.34%
Free Cash Flow Per Share	90.71	91.11	92.22	90.69	65.95	54.46
Profit Margin	80.29%	276.06%	177.48%	76.22%	57.21%	46.11%
FCF Margin	209.63%	1265.14%	744.29%	175.76%	63.39%	106.98%
EBITDA	27.5	27.8	26.6	25.6	26.3	23.8
EBITDA Margin	5.20%	30.96%	16.50%	3.64%	1.57%	2.61%
Effective Tax Rate	23.93%	24.76%	22.17%	24.72%	24.00%	23.38%

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

SEC Filings: 10-K · 10-Q