Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

555.68

+8.28 (1.51%)

At close: Sep 25, 2026, 4:00 PM EDT

556.40

+0.72 (0.13%)

Pre-market: Sep 28, 2026, 4:22 AM EDT

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%

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

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

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%

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%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 28, 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	12.25	11.54	22.94	23.40	11.44	10.70
Forward PE	10.87	11.01	13.48	15.53	10.89	14.45
P/FCF Ratio	4.72	4.65	5.01	5.58	4.96	9.66
PS Ratio	4.43	3.95	6.13	7.45	5.18	6.09