Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

570.54

-2.55 (-0.44%)

Aug 18, 2026, 4:00 PM EDT - Market closed

Credit Acceptance Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,303	1,238	928.2	899.2	1,184	1,683
Revenue Growth	11.10%	33.40%	3.23%	-24.08%	-29.64%	82.90%
Operating Income	649.5	566.6	353.2	369.4	711.7	1,261
Net Income	501.9	423.9	247.9	286.1	535.8	958.3
Earnings Per Share	45.36	36.38	19.88	21.99	39.32	59.52
EPS Growth	30.54%	83.00%	-9.59%	-44.07%	-33.94%	153.60%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Finance Charges	2,159	2,142	1,993	1,755	1,686	1,743
Premiums Earned	95.8	95.6	96.1	79.6	62.7	60.3
Other Income	74.9	79.8	73.6	66.9	83.4	53.1

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	1.4	22.8	343.7	13.2	7.7	23.3
Total Debt	6,286	6,356	6,353	5,068	4,591	4,616
Net Cash (Debt)	-6,285	-6,333	-6,009	-5,054	-4,583	-4,593
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-568.02	-543.59	-481.92	-388.47	-336.36	-285.27

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	1,225	1,055	1,138	1,204	1,239	1,069
Capital Expenditures	-3.9	-1.6	-1.8	-4	-3.1	-7.6
Free Cash Flow	1,221	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Growth	10.20%	-7.31%	-5.31%	-2.90%	16.37%	8.71%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	49.83%	45.76%	38.05%	41.08%	60.09%	74.90%
Pretax Margin	49.83%	45.66%	35.50%	40.88%	60.09%	74.90%
Profit Margin	38.51%	34.23%	26.71%	31.82%	45.24%	56.93%
FCF Margin	93.69%	85.04%	122.40%	133.43%	104.32%	63.08%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 19, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	12.58	11.54	22.94	23.40	11.44	10.70
Forward PE	11.08	11.01	13.48	15.53	10.89	14.45
P/FCF Ratio	4.85	4.65	5.01	5.58	4.96	9.66
PS Ratio	4.54	3.95	6.13	7.45	5.18	6.09