Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

558.55

+5.82 (1.05%)

Jul 28, 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	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
Revenue	1,732	1,701	1,348	1,166	1,351	1,848
Revenue Growth	20.73%	26.22%	15.61%	-13.72%	-26.88%	66.09%
Net Income	453.4	423.9	247.9	286.1	535.8	958.3
Earnings Per Share	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%

Revenue by Segment

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
Finance Charges	2,154	2,142	1,993	1,755	1,686	1,743
Premiums Earned	95.3	95.6	96.1	79.6	62.7	60.3
Other Income	77.3	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	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
Cash & Equivalents	551.4	500.7	845	470.9	417.7	434.2
Total Debt	1,089	1,088	991.3	997.4	803.4	802.2
Net Cash (Debt)	-1,089	-1,088	-991.3	-997.4	-803.4	-802.2
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-96.13	-93.37	-79.50	-76.66	-58.96	-49.82

Cash Flow & CapEx

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
Operating Cash Flow	1,055	1,055	1,138	1,204	1,239	1,069
Capital Expenditures	-2.6	-1.6	-1.8	-4	-3.1	-7.6
Free Cash Flow	1,053	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Growth	-10.21%	-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	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
Pretax Margin	34.56%	33.24%	24.45%	31.53%	52.68%	68.25%
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%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 29, 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	13.95	12.19	23.61	24.23	12.07	11.55
Forward PE	11.30	11.01	13.48	15.53	10.89	14.45
P/FCF Ratio	5.55	4.50	4.98	5.56	4.90	9.16
PS Ratio	4.58	2.78	4.20	5.72	4.48	5.27