CACC
$538.16+0.74%
Credit Acceptance CorporationStock · FinancialsNasdaq Composite · 0.02% of ONEQRussell 3000 · 0.004% of IWVUS Stock Market · 0.004% of VTIRussell 1000 · 0.004% of IWB
CACC financial statements
The full income statement, balance sheet, and cash-flow statement for Credit Acceptance Corporation (CACC), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 12.1M2024-09 12.1M2024-12 12.0M2025-03 11.6M2025-06 11.2M2025-09 11.0M2025-12 10.7M2026-03 10.5M2026-06 10.4M-14.3% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
PeriodRangeOrderChangeFiguresAs-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Revenue | 2.32B+7.2% | 2.16B+13.7% | 1.90B+3.8% | 1.83B-1.3% | 1.86B+11.2% | |
| 600M+19.6% | 502M+9.2% | 459M+7.7% | 426M+11.1% | 384M | ||
| Selling, general & administrative | 161M+64.9% | 97.9M+12.3% | 87.2M-1.7% | 88.7M-11.6% | 100M+44.1% | |
| General & administrative | 161M+64.9% | 97.9M+12.3% | 87.2M-1.7% | 88.7M-11.6% | 100M+44.1% | |
| Selling & marketing | 101M+7.4% | 94.4M+2.9% | 91.7M+21.3% | 75.6M+15.8% | 65.3M-6.0% | |
| Provision for credit losses | — | — | 736M+52.9% | 481M+5631.0% | 8.40M-98.5% | |
| Interest expense | 463M+10.3% | 420M+57.4% | 267M+60.0% | 167M+1.5% | 164M-14.5% | |
| Pre-tax income | 565M+71.6% | 330M-10.4% | 368M-48.3% | 712M-43.6% | 1.26B+129.5% | |
| Income tax | 142M+73.4% | 81.6M+0.1% | 81.5M-53.7% | 176M-41.9% | 303M+135.5% | |
| Net income | 424M+71.0% | 248M-13.4% | 286M-46.6% | 536M-44.1% | 958M+127.6% | |
| $36.38+83.0% | $19.88-9.6% | $21.99-44.1% | $39.32-33.9% | $59.52+153.6% | ||
| EPS (basic) | $37.02+84.0% | $20.12-8.9% | $22.09-44.1% | $39.50-33.7% | $59.57+152.7% | |
| Weighted-avg shares (basic) | 11.5M-7.1% | 12.3M-4.9% | 13.0M-4.5% | 13.6M-15.7% | 16.1M-9.9% | |
| Weighted-avg shares (diluted) | 11.7M-6.6% | 12.5M-4.2% | 13.0M-4.5% | 13.6M-15.4% | 16.1M-10.2% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 22.8M-93.4% | 344M+2503.8% | 13.2M+71.4% | 7.70M-67.0% | 23.3M+45.6% | |
| 8.63B-2.5% | 8.85B+16.4% | 7.61B+10.2% | 6.90B-2.1% | 7.05B-5.8% | ||
| Property, plant & equipment | 12.6M-14.3% | 14.7M-68.4% | 46.5M-9.5% | 51.4M-10.3% | 57.3M-3.5% | |
| Accrued liabilities | 400M+26.7% | 316M-0.9% | 319M+22.2% | 261M+49.0% | 175M-6.3% | |
| 7.11B+0.0% | 7.11B+21.3% | 5.86B+10.9% | 5.28B+1.0% | 5.23B+0.8% | ||
| Deferred tax liabilities | 354M+10.9% | 319M-18.0% | 389M-8.8% | 427M-2.0% | 435M+11.3% | |
| 1.52B-12.9% | 1.75B-0.2% | 1.75B+8.0% | 1.62B-11.0% | 1.82B-20.8% | ||
| Preferred stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock | 100K+0.0% | 100K+0.0% | 100K+0.0% | 100K+0.0% | 100K-50.0% | |
| Additional paid-in capital | 403M+20.4% | 335M+20.1% | 279M+13.6% | 246M+24.6% | 197M+21.8% | |
| Retained earnings | 1.12B-20.9% | 1.41B-4.1% | 1.48B+6.8% | 1.38B-15.1% | 1.63B-23.9% | |
| Accumulated other comprehensive income | 1.00M+433.3% | -300K+70.0% | -1.00M+65.5% | -2.90M-1550.0% | 200K-87.5% | |
| Total liabilities & equity | 8.63B-2.5% | 8.85B+16.4% | 7.61B+10.2% | 6.90B-2.1% | 7.05B-5.8% | |
| Common shares issued | 10.7M-11.4% | 12.0M-3.8% | 12.5M-1.8% | 12.8M-9.8% | 14.1M-17.2% | |
| Common shares outstanding | 10.7M-11.4% | 12.0M-3.8% | 12.5M-1.8% | 12.8M-9.8% | 14.1M-17.2% | |
| Shares outstanding (cover) | 10.7M-10.7% | 12.0M-2.2% | 12.3M-4.1% | 12.8M-9.1% | 14.1M-16.1% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 1.05B-7.3% | 1.14B-5.5% | 1.20B-2.8% | 1.24B+15.8% | 1.07B+8.5% | ||
| Depreciation & amortization | 3.60M-46.3% | 6.70M-24.7% | 8.90M-1.1% | 9.00M-7.2% | 9.70M+10.2% | |
| Share-based compensation | 50.7M+12.7% | 45.0M+15.1% | 39.1M+7.1% | 36.5M+47.2% | 24.8M+300.0% | |
| Deferred income taxes | 34.6M+149.1% | -70.4M-85.3% | -38.0M-393.5% | -7.70M-117.3% | 44.6M-34.7% | |
| Other operating activities | -200K-125.0% | 800K+33.3% | 600K+100.0% | 300K+175.0% | -400K+42.9% | |
| -674M+60.8% | -1.72B-21.5% | -1.42B-207.6% | -461M-205.3% | 437M+164.9% | ||
| Capital expenditure | 1.60M-11.1% | 1.80M-55.0% | 4.00M+29.0% | 3.10M-59.2% | 7.60M-10.6% | |
| Free cash flow | 1.05B-7.3% | 1.14B-5.3% | 1.20B-2.9% | 1.24B+16.4% | 1.06B+8.7% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Sales/maturities of investments | 12.2M+31.2% | 9.30M+9.4% | 8.50M-65.0% | 24.3M+32.8% | 18.3M+40.8% | |
| Proceeds from sale of PP&E | 3.20M+0.0% | 3.20M | — | — | — | |
| -725M-175.7% | 957M+259.6% | 266M+133.5% | -795M+45.9% | -1.47B-239.0% | ||
| Long-term debt issued | 500M | 0.00-100.0% | 600M | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 23.5M+50.6% | 15.6M+200.0% | 5.20M-65.6% | 15.1M+28.0% | 11.8M | |
| Common stock repurchased | 725M+131.5% | 313M+54.6% | 203M-74.2% | 785M-46.7% | 1.47B+206.1% | |
| Dividends paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other financing activities | 1.00M+105.9% | -17.0M-365.6% | 6.40M-60.7% | 16.3M+2137.5% | -800K+0.0% | |
| Net change in cash | -344M-192.0% | 374M+603.2% | 53.2M+422.4% | -16.5M-143.4% | 38.0M+131.3% | |
| Interest paid | 438M+11.4% | 393M+62.5% | 242M+64.4% | 147M-1.4% | 149M-22.0% | |
| Income taxes paid | 279M+169.3% | 104M+225.1% | 31.9M-56.1% | 72.7M-65.9% | 213M+50.7% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 4.77B-15.6% | 5.65B-15.6% | 6.69B+9.2% | 6.13B-36.8% | 9.71B+66.7% | |
| P/E | 11.2×-50.7% | 22.8×+8.8% | 20.9×+113.8% | 9.8×-3.3% | 10.1×-26.8% | |
| P/S | 2.1×-21.3% | 2.6×-27.1% | 3.6×+7.3% | 3.3×-36.2% | 5.2×+50.0% | |
| P/B | 3.1×-3.1% | 3.2×-18.0% | 3.9×+2.0% | 3.9×-27.5% | 5.3×+110.4% | |
| P/FCF | 4.5×-9.0% | 5.0×-12.7% | 5.7×+0.2% | 5.7×-37.9% | 9.1×+53.4% | |
| Earnings yield | 8.9%+102.6% | 4.4%-8.1% | 4.8%-53.2% | 10.2%+3.4% | 9.9%+36.5% | |
| FCF yield | 22.1%+9.8% | 20.1%+14.5% | 17.6%-0.2% | 17.6%+61.0% | 10.9%-34.8% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: CACC’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all CACC filings on SEC EDGAR → Not investment advice.