Credit Acceptance Corporation (CACC)

NASDAQ: CACC · Real-Time Price · USD

464.68

+3.75 (0.81%)

At close: Dec 5, 2025, 4:00 PM EST

464.00

-0.68 (-0.15%)

After-hours: Dec 5, 2025, 4:22 PM EST

Credit Acceptance Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest and Dividend Income	2,125	1,993	1,755	1,686	1,743	1,562	Upgrade
Total Interest Expense	460.4	419.5	266.5	166.6	164.2	192	Upgrade
Net Interest Income	1,665	1,573	1,489	1,520	1,578	1,370	Upgrade
Other Revenue	178.2	169.7	146.5	146.1	113.4	106.9	Upgrade
Revenue Before Loan Losses	1,843	1,743	1,635	1,666	1,692	1,477	Upgrade
Provision for Loan Losses	609.9	814.7	736.2	481.4	8.4	556.9	Upgrade
Revenue	1,233	928.2	899.2	1,184	1,683	920.4	Upgrade
Revenue Growth (YoY)	45.72%	3.23%	-24.08%	-29.64%	82.90%	-24.33%	Upgrade
Salaries & Employee Benefits	335.4	309.2	280.2	262	218.1	186.5	Upgrade
Cost of Services Provided	296	265.8	249.6	210.7	204.4	177	Upgrade
Total Operating Expenses	631.4	575	529.8	472.7	422.5	363.5	Upgrade
Operating Income	601.5	353.2	369.4	711.7	1,261	556.9	Upgrade
EBT Excluding Unusual Items	601.5	353.2	369.4	711.7	1,261	556.9	Upgrade
Other Unusual Items	-1.2	-	-1.8	-	-	-7.4	Upgrade
Pretax Income	600.3	329.5	367.6	711.7	1,261	549.5	Upgrade
Income Tax Expense	146.5	81.6	81.5	175.9	302.6	128.5	Upgrade
Net Income	453.8	247.9	286.1	535.8	958.3	421	Upgrade
Net Income to Common	453.8	247.9	286.1	535.8	958.3	421	Upgrade
Net Income Growth	139.35%	-13.35%	-46.60%	-44.09%	127.63%	-35.83%	Upgrade
Shares Outstanding (Basic)	12	12	13	14	16	18	Upgrade
Shares Outstanding (Diluted)	12	12	13	14	16	18	Upgrade
Shares Change (YoY)	-4.79%	-4.16%	-4.51%	-15.38%	-10.23%	-5.49%	Upgrade
EPS (Basic)	38.49	20.12	22.09	39.50	59.57	23.57	Upgrade
EPS (Diluted)	37.89	19.88	21.99	39.32	59.52	23.47	Upgrade
EPS Growth	151.44%	-9.59%	-44.07%	-33.94%	153.60%	-32.11%	Upgrade
Free Cash Flow	1,090	1,136	1,200	1,236	1,062	976.7	Upgrade
Free Cash Flow Per Share	90.97	91.11	92.22	90.69	65.95	54.45	Upgrade
Operating Margin	48.79%	38.05%	41.08%	60.09%	74.90%	60.51%	Upgrade
Profit Margin	36.81%	26.71%	31.82%	45.24%	56.93%	45.74%	Upgrade
Free Cash Flow Margin	88.38%	122.40%	133.43%	104.32%	63.08%	106.12%	Upgrade
Effective Tax Rate	24.40%	24.77%	22.17%	24.71%	24.00%	23.39%	Upgrade
Revenue as Reported	2,303	2,162	1,902	1,832	1,856	1,669	Upgrade

Updated Oct 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q