Credit Acceptance Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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
Net Interest Income	2,154	2,142	1,993	1,755	1,686	1,743
Net Interest Income Growth	5.04%	7.48%	13.52%	4.10%	-3.23%	11.53%
Non-Interest Income	172.6	175.4	169.7	146.5	146.1	113.4
Non-Interest Income Growth	-1.54%	3.36%	15.84%	0.27%	28.84%	6.08%
Revenues Before Loan Losses	2,326	2,317	2,162	1,902	1,832	1,856
Provision for Credit Losses	593.8	616.1	814.7	736.2	481.4	8.4
Revenue	1,732	1,701	1,348	1,166	1,351	1,848
Revenue Growth (YoY)	20.73%	26.22%	15.61%	-13.72%	-26.88%	66.09%
Compensation Expenses	337.1	337.1	309.2	280.2	262	218.1
Selling, General & Admin	268.5	262.8	192.3	178.9	164.3	165.6
Other Non-Interest Expenses	528	535.8	516.7	340	213	203
Total Non-Interest Expense	1,134	1,136	1,018	799.1	639.3	586.7
Pretax Income	598.7	565.4	329.5	367.6	711.7	1,261
Provision for Income Taxes	145.3	141.5	81.6	81.5	175.9	302.6
Net Income	453.4	423.9	247.9	286.1	535.8	958.3
Net Income to Common	453.4	423.9	247.9	286.1	535.8	958.3
Net Income Growth	56.40%	71.00%	-13.35%	-46.60%	-44.09%	127.63%
Shares Outstanding (Basic)	11	11	12	13	14	16
Shares Outstanding (Diluted)	11	12	12	13	14	16
Shares Change (YoY)	-8.23%	-6.56%	-4.16%	-4.51%	-15.38%	-10.23%
EPS (Basic)	40.99	37.02	20.12	22.09	39.50	59.57
EPS (Diluted)	40.24	36.38	19.88	21.99	39.32	59.52
EPS Growth	71.67%	83.00%	-9.59%	-44.07%	-33.94%	153.60%
Shares Outstanding	10.42	10.68	12.05	12.52	12.76	14.15
Free Cash Flow	1,053	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Growth	-0.04%	-7.31%	-5.31%	-2.90%	16.37%	8.71%
Free Cash Flow Per Share	92.94	90.38	91.11	92.22	90.69	65.95
Profit Margin	26.17%	24.92%	18.39%	24.54%	39.66%	51.87%
FCF Margin	60.76%	61.90%	84.30%	102.92%	91.46%	57.47%
EBITDA	25.6	26.6	27.8	26.6	25.6	26.3
EBITDA Margin	1.48%	1.56%	2.06%	2.28%	1.89%	1.42%
Effective Tax Rate	24.27%	25.03%	24.76%	22.17%	24.72%	24.00%

Updated May 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q