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 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 | 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 |
Interest and Dividend Income | 2,171 | 2,142 | 1,993 | 1,755 | 1,686 | 1,743 |
Total Interest Expense | 436.8 | 462.9 | 419.5 | 266.5 | 166.6 | 164.2 |
Net Interest Income | 1,734 | 1,679 | 1,573 | 1,489 | 1,520 | 1,578 |
Other Revenue | 171.4 | 175.4 | 169.7 | 146.5 | 146.1 | 113.4 |
Revenue Before Loan Losses | 1,905 | 1,854 | 1,743 | 1,635 | 1,666 | 1,692 |
Provision for Loan Losses | 839.3 | 616.1 | 814.7 | 736.2 | 481.4 | 8.4 |
| 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% |
Salaries & Employee Benefits | 321.7 | 337.1 | 309.2 | 280.2 | 262 | 218.1 |
Cost of Services Provided | 317 | 334.5 | 265.8 | 249.6 | 210.7 | 204.4 |
Total Operating Expenses | 638.7 | 671.6 | 575 | 529.8 | 472.7 | 422.5 |
Operating Income | 427.1 | 566.6 | 353.2 | 369.4 | 711.7 | 1,261 |
EBT Excluding Unusual Items | 427.1 | 566.6 | 353.2 | 369.4 | 711.7 | 1,261 |
Other Unusual Items | - | -1.2 | - | -1.8 | - | - |
Pretax Income | 427.1 | 565.4 | 329.5 | 367.6 | 711.7 | 1,261 |
Income Tax Expense | 90 | 141.5 | 81.6 | 81.5 | 175.9 | 302.6 |
Net Income | 337.1 | 423.9 | 247.9 | 286.1 | 535.8 | 958.3 |
Net Income to Common | 337.1 | 423.9 | 247.9 | 286.1 | 535.8 | 958.3 |
Net Income Growth | -25.72% | 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 | -9.22% | -6.56% | -4.16% | -4.51% | -15.38% | -10.23% |
EPS (Basic) | 31.70 | 37.02 | 20.12 | 22.09 | 39.50 | 59.57 |
EPS (Diluted) | 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% |
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 |
Free Cash Flow | 1,256 | 1,053 | 1,136 | 1,200 | 1,236 | 1,062 |
Free Cash Flow Per Share | 115.56 | 90.38 | 91.11 | 92.22 | 90.69 | 65.95 |
Operating Margin | 40.07% | 45.76% | 38.05% | 41.08% | 60.09% | 74.90% |
Profit Margin | 31.63% | 34.23% | 26.71% | 31.82% | 45.24% | 56.93% |
Free Cash Flow Margin | 117.88% | 85.04% | 122.40% | 133.43% | 104.32% | 63.08% |
Effective Tax Rate | 21.07% | 25.03% | 24.77% | 22.17% | 24.71% | 24.00% |
Revenue as Reported | 2,342 | 2,317 | 2,162 | 1,902 | 1,832 | 1,856 |