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 Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
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 |
Cash & Equivalents | 1.3 | 22.8 | 343.7 | 13.2 | 7.7 | 23.3 |
Loans & Lease Receivables | 8,127 | 7,909 | 7,850 | 6,955 | 6,298 | 6,336 |
Other Receivables | 53.4 | 67.2 | 4.2 | 4.3 | 8.7 | 109.2 |
Property, Plant & Equipment | 15 | 12.6 | 14.7 | 46.5 | 51.4 | 57.3 |
Restricted Cash | 516.9 | 477.9 | 501.3 | 457.7 | 410 | 410.9 |
Long-Term Deferred Charges | 5.1 | 4.5 | 4.4 | 4.2 | 3.9 | 3.6 |
Other Long-Term Assets | 159 | 137.5 | 136 | 129 | 125.3 | 110.3 |
Total Assets | 8,878 | 8,632 | 8,855 | 7,610 | 6,905 | 7,051 |
Liabilities
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 |
Accounts Payable | 336.3 | 318.2 | 233.9 | 245.6 | 203.3 | 128 |
Current Portion of Long-Term Debt | 475.6 | 2,181 | - | - | - | - |
Current Portion of Leases | - | 1.3 | - | - | - | - |
Long-Term Debt | 6,248 | 4,173 | 6,353 | 5,068 | 4,591 | 4,616 |
Long-Term Leases | - | 0.8 | - | - | - | - |
Current Income Taxes Payable | - | - | 117.2 | 81 | 2.5 | 0.2 |
Other Current Liabilities | 5.9 | 5.9 | 6 | 5.6 | 3.1 | 2.4 |
Long-Term Deferred Tax Liabilities | 337.9 | 354 | 319.1 | 389.2 | 426.7 | 435.2 |
Total Liabilities | 7,489 | 7,108 | 7,105 | 5,857 | 5,281 | 5,227 |
Shareholders' Equity
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 |
Common Stock | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
Additional Paid-In Capital | 528.4 | 403.3 | 335.1 | 279 | 245.7 | 197.2 |
Retained Earnings | 863.1 | 1,119 | 1,415 | 1,476 | 1,381 | 1,627 |
Comprehensive Income & Other | -2.3 | 1 | -0.3 | -1 | -2.9 | 0.2 |
Shareholders' Equity | 1,389 | 1,524 | 1,750 | 1,754 | 1,624 | 1,824 |
Total Liabilities & Equity | 8,878 | 8,632 | 8,855 | 7,610 | 6,905 | 7,051 |
Additional Metrics
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 |
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 |
Filing Date Shares Outstanding | 10.14 | 10.75 | 12.03 | 12.3 | 12.83 | 14.11 |
Total Common Shares Outstanding | 10.14 | 10.68 | 12.05 | 12.52 | 12.76 | 14.14 |
Working Capital | 7,796 | 5,896 | 8,267 | 7,031 | 6,461 | 6,705 |
Book Value Per Share | 137.05 | 142.66 | 145.22 | 140.05 | 127.30 | 128.97 |
Tangible Book Value | 1,389 | 1,524 | 1,750 | 1,754 | 1,624 | 1,824 |
Tangible Book Value Per Share | 137.05 | 142.66 | 145.22 | 140.05 | 127.30 | 128.97 |