Credit Acceptance Corporation (CACC)
NASDAQ: CACC · Real-Time Price · USD
497.88
-13.40 (-2.62%)
At close: Mar 6, 2026, 4:00 PM EST
497.86
-0.02 (0.00%)
After-hours: Mar 6, 2026, 4:10 PM EST
Credit Acceptance Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
| 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 | 2,142 | 1,993 | 1,755 | 1,686 | 1,743 | |
| Total Interest Expense | 462.9 | 419.5 | 266.5 | 166.6 | 164.2 | |
| Net Interest Income | 1,679 | 1,573 | 1,489 | 1,520 | 1,578 | |
| Other Revenue | 175.4 | 169.7 | 146.5 | 146.1 | 113.4 | |
| Revenue Before Loan Losses | 1,854 | 1,743 | 1,635 | 1,666 | 1,692 | |
| Provision for Loan Losses | 616.1 | 814.7 | 736.2 | 481.4 | 8.4 | |
| Revenue | 1,238 | 928.2 | 899.2 | 1,184 | 1,683 | |
| Revenue Growth (YoY) | 33.40% | 3.23% | -24.08% | -29.64% | 82.90% | |
| Salaries & Employee Benefits | 337.1 | 309.2 | 280.2 | 262 | 218.1 | |
| Cost of Services Provided | 334.5 | 265.8 | 249.6 | 210.7 | 204.4 | |
| Total Operating Expenses | 671.6 | 575 | 529.8 | 472.7 | 422.5 | |
| Operating Income | 566.6 | 353.2 | 369.4 | 711.7 | 1,261 | |
| EBT Excluding Unusual Items | 566.6 | 353.2 | 369.4 | 711.7 | 1,261 | |
| Other Unusual Items | -1.2 | - | -1.8 | - | - | |
| Pretax Income | 565.4 | 329.5 | 367.6 | 711.7 | 1,261 | |
| Income Tax Expense | 141.5 | 81.6 | 81.5 | 175.9 | 302.6 | |
| Net Income | 423.9 | 247.9 | 286.1 | 535.8 | 958.3 | |
| Net Income to Common | 423.9 | 247.9 | 286.1 | 535.8 | 958.3 | |
| Net Income Growth | 71.00% | -13.35% | -46.60% | -44.09% | 127.63% | |
| Shares Outstanding (Basic) | 11 | 12 | 13 | 14 | 16 | |
| Shares Outstanding (Diluted) | 12 | 12 | 13 | 14 | 16 | |
| Shares Change (YoY) | -6.56% | -4.16% | -4.51% | -15.38% | -10.23% | |
| EPS (Basic) | 37.02 | 20.12 | 22.09 | 39.50 | 59.57 | |
| EPS (Diluted) | 36.38 | 19.88 | 21.99 | 39.32 | 59.52 | |
| EPS Growth | 83.00% | -9.59% | -44.07% | -33.94% | 153.60% | |
| Free Cash Flow | 1,053 | 1,136 | 1,200 | 1,236 | 1,062 | |
| Free Cash Flow Per Share | 90.38 | 91.11 | 92.22 | 90.69 | 65.95 | |
| Operating Margin | 45.76% | 38.05% | 41.08% | 60.09% | 74.90% | |
| Profit Margin | 34.23% | 26.71% | 31.82% | 45.24% | 56.93% | |
| Free Cash Flow Margin | 85.04% | 122.40% | 133.43% | 104.32% | 63.08% | |
| Effective Tax Rate | 25.03% | 24.77% | 22.17% | 24.71% | 24.00% | |
| Revenue as Reported | 2,317 | 2,162 | 1,902 | 1,832 | 1,856 | |
Source: S&P Capital IQ. Financial Services template.
Financial Sources.