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Financials · CACC

Credit Acceptance Corporation (CACC) financials

For the twelve months ended Sep 30, 2026, Credit Acceptance Corporation reported $2.34B of revenue and $337.10M of net income.

Revenue, TTM
$2.34B
Revenue growth, YoY
+1.7%
Net income, TTM
$337.10M
Net income growth, YoY
-25.7%
Net margin
14.4%
Free cash flow, TTM
$1.26B
EPS, diluted, TTM
$30.50
EPS growth, YoY
-19.3%
Cash
$1.30M
P/E
15.93
P/S
2.29
Market cap
$5.37B
Annual revenue$2.32B
FY2016FY2025
Annual net income$423.90M
FY2016FY2025
Annual free cash flow$1.05B
FY2016FY2025

CACC revenue and earnings growth

CACC revenueQ3 2026$594.60M

Quarter YoY
+2.1%
QoQ
+1.2%
FY YoY
+7.2%
5Y CAGR
+6.8%
10Y CAGR
+10.9%

CACC revenue was $594.60M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.1% from a year earlier and up 1.2% from the prior quarter. For the full fiscal 2025 it was $2.32B, up 7.2% from fiscal 2024. Compound annual growth was +6.8% over 5 years and +10.9% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CACC net incomeQ3 2026-$56.60M

FY YoY
+71.0%
5Y CAGR
+0.1%
10Y CAGR
+3.5%

CACC net income was -$56.60M in fiscal Q3 2026 (ended Sep 30, 2026), compared with $108.20M a year earlier. For the full fiscal 2025 it was $423.90M, up 71.0% from fiscal 2024. Compound annual growth was +0.1% over 5 years and +3.5% over 10 years. It rose in 6 of the last 10 fiscal years.

CACC EPSQ3 2026-$5.43

FY YoY
+83.0%
5Y CAGR
+9.2%
10Y CAGR
+9.8%

CACC diluted EPS was -$5.43 in fiscal Q3 2026 (ended Sep 30, 2026), compared with $9.43 a year earlier. For the full fiscal 2025 it was $36.38, up 83.0% from fiscal 2024. Compound annual growth was +9.2% over 5 years and +9.8% over 10 years.

CACC free cash flowQ3 2026$334.10M

Quarter YoY
+11.8%
QoQ
+8.5%
FY YoY
-7.3%
5Y CAGR
+1.5%
10Y CAGR
+10.2%

CACC free cash flow was $334.10M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.8% from a year earlier and up 8.5% from the prior quarter. For the full fiscal 2025 it was $1.05B, down 7.3% from fiscal 2024. Compound annual growth was +1.5% over 5 years and +10.2% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$2.32B$2.16B$1.90B$1.83B$1.86B$1.67B$1.49B$1.29B$1.11B$969.20M
Selling, general and admin$161.40M$97.90M$87.20M$88.70M$100.30M$69.60M$65.10M$55.70M$55.50M$48.20M
Interest expense$462.90M$419.50M$266.50M$166.60M$164.20M$192.00M$196.20M$156.60M$120.20M$97.70M
Pre-tax income$565.40M$329.50M$367.60M$711.70M$1.26B$549.50M$855.90M$755.10M$583.80M$531.20M
Income tax$141.50M$81.60M$81.50M$175.90M$302.60M$128.50M$199.80M$181.10M$113.60M$198.40M
Net income$423.90M$247.90M$286.10M$535.80M$958.30M$421.00M$656.10M$574.00M$470.20M$332.80M
EPS, basic$37.02$20.12$22.09$39.50$59.57$23.57$34.71$29.52$24.12$16.37
EPS, diluted$36.38$19.88$21.99$39.32$59.52$23.47$34.57$29.39$24.04$16.31
Diluted shares11.7M12.5M13.0M13.6M16.1M17.9M19.0M19.5M19.6M20.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$22.80M$343.70M$13.20M$417.70M$434.20M$396.20M$517.70M$329.30M$263.80M$239.30M
Total assets$8.63B$8.85B$7.61B$6.90B$7.05B$7.49B$7.42B$6.24B$4.99B$4.22B
Total liabilities$7.11B$7.11B$5.86B$5.28B$5.23B$5.19B$5.07B$4.25B$3.45B$3.04B
Shareholders' equity$1.52B$1.75B$1.75B$1.62B$1.82B$2.30B$2.36B$1.99B$1.54B$1.17B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$1.05B$1.14B$1.20B$1.24B$1.07B$985.20M$812.30M$703.90M$566.00M$507.20M
Capital expenditures$1.60M$1.80M$4.00M$3.10M$7.60M$8.50M$26.80M$25.10M$8.40M$5.50M
Free cash flow$1.05B$1.14B$1.20B$1.24B$1.06B$976.70M$785.50M$678.80M$557.60M$501.70M
Investing cash flow-$674.30M-$1.72B-$1.42B-$460.60M$437.30M-$673.50M-$1.02B-$1.24B-$871.80M-$878.20M
Financing cash flow-$724.60M$957.30M$266.20M-$794.60M-$1.47B-$433.20M$400.30M$599.90M$330.30M$436.60M
Share repurchases$725.40M$313.30M$202.60M$784.50M$1.47B$480.80M$300.40M$129.10M$123.50M$121.70M
Stock-based compensation$50.70M$45.00M$39.10M$36.50M$24.80M$6.20M$7.60M$10.30M$15.40M$7.40M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY7.2%13.7%3.8%-1.3%11.2%12.1%15.8%15.8%14.5%17.4%
Net income growth, YoY71.0%-13.4%-46.6%-44.1%127.6%-35.8%14.3%22.1%41.3%11.0%
EPS growth, YoY83.0%-9.6%-44.1%-33.9%153.6%-32.1%17.6%22.3%47.4%14.2%
Net margin18.3%11.5%15.0%29.2%51.6%25.2%44.1%44.6%42.4%34.3%
Free cash flow margin45.4%52.5%63.1%67.4%57.2%58.5%52.8%52.8%50.2%51.8%
Return on equity27.8%14.2%16.3%33.0%52.5%18.3%27.9%28.8%30.6%28.4%
Return on assets4.9%2.8%3.8%7.8%13.6%5.6%8.8%9.2%9.4%7.9%

Source: XBRL data Credit Acceptance Corporation files with the SEC, latest filing dated Oct 29, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CACC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CACC$2.34B+1.7%$337.10M14.4%$5.37B
AXP$77.59B+10.2%$12.26B15.8%$215.24B
SPGI$17.21B+18.2%$4.99B29.0%$135.62B
MCO$8.18B+9.0%$2.88B35.3%$87.18B
NU$15.77B+37.0%$2.87B18.2%$58.39B
RKT$11.46B+90.4%$1.30B11.4%$42.74B
COIN$5.63B-26.6%-$701.62M-12.5%$35.68B
AFRM$4.59B+32.7%$2.01B43.9%$23.08B
SYF$19.31B+2.6%$3.33B17.3%$22.96B

CACC FAQ

8 questions
  • What is CACC revenue?
    Credit Acceptance Corporation (CACC) reported $2.34B of revenue for the twelve months ended Sep 30, 2026. That is up 1.7% from the year before. Revenue for fiscal 2025 was $2.32B.
  • Is CACC profitable?
    Yes. Credit Acceptance Corporation earned $337.10M in net income for the twelve months ended Sep 30, 2026, a net margin of 14.4%.
  • How much cash and debt does CACC have?
    Credit Acceptance Corporation reported $1.30M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CACC revenue growing?
    Credit Acceptance Corporation's revenue changed +7.2% in fiscal 2025, to $2.32B. Its compound annual growth rate was +6.8% over 5 years and +10.9% over 10 years.
  • What is CACC free cash flow?
    Credit Acceptance Corporation generated $1.26B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.26B less capital expenditures.
  • What is CACC earnings per share?
    Diluted earnings per share were $30.50 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CACC last report financial results?
    The latest statements here come from Credit Acceptance Corporation's 10-Q filed on Oct 29, 2026, covering the period ended Sep 30, 2026.
  • Where does this CACC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Credit Acceptance Corporation files with the SEC. It is provided for information only and is not investment advice.