Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

529.56

+6.98 (1.34%)

Nov 6, 2026, 4:00 PM EST - 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	Sep '26 Sep 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	1,066	1,238	928.2	899.2	1,184	1,683
Revenue Growth	-13.55%	33.40%	3.23%	-24.08%	-29.64%	82.90%
Operating Income	427.1	566.6	353.2	369.4	711.7	1,261
Net Income	337.1	423.9	247.9	286.1	535.8	958.3
Earnings Per Share	31.01	36.38	19.88	21.99	39.32	59.52
EPS Growth	-18.16%	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	Sep '26 Sep 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	2,171	2,142	1,993	1,755	1,686	1,743
Premiums Earned	97	95.6	96.1	79.6	62.7	60.3
Other Income	74.4	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	Sep '26 Sep 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	1.3	22.8	343.7	13.2	7.7	23.3
Total Debt	6,724	6,356	6,353	5,068	4,591	4,616
Net Cash (Debt)	-6,722	-6,333	-6,009	-5,054	-4,583	-4,593
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-618.28	-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	Sep '26 Sep 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	1,261	1,055	1,138	1,204	1,239	1,069
Capital Expenditures	-4.7	-1.6	-1.8	-4	-3.1	-7.6
Free Cash Flow	1,256	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Growth	15.31%	-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	Sep '26 Sep 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	40.07%	45.76%	38.05%	41.08%	60.09%	74.90%
Pretax Margin	40.07%	45.66%	35.50%	40.88%	60.09%	74.90%
Profit Margin	31.63%	34.23%	26.71%	31.82%	45.24%	56.93%
FCF Margin	117.88%	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	Nov '26 Nov 7, 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	17.08	11.54	22.94	23.40	11.44	10.70
Forward PE	9.83	11.01	13.48	15.53	10.89	14.45
P/FCF Ratio	4.27	4.65	5.01	5.58	4.96	9.66
PS Ratio	5.04	3.95	6.13	7.45	5.18	6.09