CREDIT ACCEPTANCE CORP CACC

Financials SIC 6141 - Personal Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities › Nondepository Credit Intermediation › Other Nondepository Credit Intermediation › Consumer Lending derived Nasdaq

Credit Acceptance Corporation (referred to as the "Company", "Credit Acceptance", "we", "our" or "us") makes vehicle ownership possible by providing innovative financing solutions that enable automobile dealers to sell vehicles to consumers, regardless of their credit history. Our financing programs are offered through a nationwide network of automobile dealers who benefit from sales of vehicles to consumers who otherwise could not obtain financing; from repeat and referral sales generated by these same customers; and from sales to customers responding to advertisements for our financing programs, but who actually end up qualifying for traditional financing.

Without our financing programs, consumers are often unable to purchase vehicles or they purchase unreliable ones. Further, as we report to the three national credit reporting agencies, an important ancillary benefit of our programs is that we provide consumers with an opportunity to improve their lives by improving their credit score and move on to more traditional sources of financing.

Last close 545.04 2026-10-23
Market cap $5.66B 2026-06-30 share count
52-week range 401.90 - 668.86

Valuation FY2025 figures against the last close

P/S2.4x
P/E15.0x
P/FCF5.4x
EV/EBITDA—
Dividend yield—
Diluted EPS36.38

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $2.32B$2.16B$1.90B$1.83B$1.86B$1.67B$1.49B$1.29B$1.11B$969.2M
SG&A $161.4M$97.9M$87.2M$88.7M$100.3M$69.6M$65.1M$55.7M$55.5M$48.2M
Total operating expenses $599.9M$501.5M$459.1M$426.3M$383.7M$1.12B$633.1M$530.7M$526.2M$438.0M
Interest expense $462.9M$419.5M$266.5M$166.6M$164.2M$192.0M$196.2M$156.6M$120.2M$97.7M
Pre-tax income $565.4M$329.5M$367.6M$711.7M$1.26B$549.5M$855.9M$755.1M$583.8M$531.2M
Income tax $141.5M$81.6M$81.5M$175.9M$302.6M$128.5M$199.8M$181.1M$113.6M$198.4M
Net income $424$248$286$536$958$421.0M$656.1M$574.0M$470.2M$332.8M
EPS, basic 37.0220.1222.0939.5059.5723.5734.7129.5224.1216.37
EPS, diluted 36.3819.8821.9939.3259.5223.4734.5729.3924.0416.31
Shares, diluted (wtd. avg.) 11.7M12.5M13.0M13.6M16.1M17.9M19.0M19.5M19.6M20.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $22.8M$343.7M$13.2M$417.7M$434.2M$396.2M$517.7M$329.3M$263.8M$239.3M
Property, plant and equipment $12.6M$14.7M$46.5M$51.4M$57.3M$59.4M$59.7M$40.2M$20.5M$18.2M
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
Retained earnings $1.12B$1.41B$1.48B$1.38B$1.63B$2.14B$2.20B$1.84B$1.39B$1.04B
Total equity $1.52B$1.75B$1.75B$1.62B$1.82B$2.30B$2.36B$1.99B$1.54B$1.17B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $1.05B$1.14B$1.20B$1.24B$1.07B$985.2M$812.3M$703.9M$566.0M$507.2M
Depreciation and amortisation $3.6M$6.7M$8.9M$9.0M$9.7M$8.8M$7.3M$5.4M$6.0M$6.1M
Stock-based compensation $50.7M$45.0M$39.1M$36.5M$24.8M$6.2M$7.6M$10.3M$15.4M$7.4M
Capital expenditure $1.6M$1.8M$4.0M$3.1M$7.6M$8.5M$26.8M$25.1M$8.4M$5.5M
Investing cash flow -$674.3M-$1.72B-$1.42B-$460.6M$437.3M-$673.5M-$1.02B-$1.24B-$871.8M-$878.2M
Financing cash flow -$724.6M$957.3M$266.2M-$794.6M-$1.47B-$433.2M$400.3M$599.9M$330.3M$436.6M
Buybacks $725.4M$313.3M$202.6M$784.5M$1.47B$480.8M$300.4M$129.1M$123.5M$121.7M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000885550-26-000073.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 1B 2B 3B Revenue, FY2016: 969.2M Net income, FY2016: 332.8M Revenue, FY2017: 1.1B Net income, FY2017: 470.2M Revenue, FY2018: 1.3B Net income, FY2018: 574M Revenue, FY2019: 1.5B Net income, FY2019: 656.1M Revenue, FY2020: 1.7B Net income, FY2020: 421M Revenue, FY2021: 1.9B Net income, FY2021: 958.3 Revenue, FY2022: 1.8B Net income, FY2022: 535.8 Revenue, FY2023: 1.9B Net income, FY2023: 286.1 Revenue, FY2024: 2.2B Net income, FY2024: 247.9 Revenue, FY2025: 2.3B Net income, FY2025: 423.9 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $969.2M $1.11B $1.29B $1.49B $1.67B $1.86B $1.83B $1.90B $2.16B $2.32B
Gross profit — — — — — — — — — —
Net income $332.8M $470.2M $574.0M $656.1M $421.0M $958 $536 $286 $248 $424

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Item 5.02
  • Officer or director change Item 5.02
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Other event Item 8.01
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6141

TickerCompanyMarket capP/ERevenue growth
AFRM Affirm Holdings, Inc. $23.49B 12.7x 29.6%
OMF OneMain Holdings, Inc. $6.44B 8.5x 9.3%
NNI NELNET INC $4.42B 10.4x -12.5%
ENVA Enova International, Inc. $4.11B 14.3x 18.6%
BFH BREAD FINANCIAL HOLDINGS, INC. $3.84B 9.2x -2.2%
SLM SLM Corp $3.65B 5.6x 0.3%
HAPN Happen, Inc. $1.63B 12.1x 5.9%
ATLC Atlanticus Holdings Corp $1.31B 14.5x 51.2%