CACC · Credit Acceptance Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $580.00M | - | $582.40M | $583.80M | $571.10M | - | $550.30M | $538.20M | $508.00M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $24.80M | - | $36.30M | $45.20M | $22.10M | - | $29.00M | $23.20M | $23.70M | - |
| Total Operating Expenses | $141.20M | - | $146.60M | $155.50M | $135.50M | - | $129.40M | $124.40M | $126.10M | - |
| D&A | $700.0K | - | - | - | $1.20M | - | - | - | $2.20M | - |
| Operating Income | $175.00M | - | $148.90M | $117.80M | $141.70M | - | $106.50M | ($55.30M) | $86.40M | - |
| Interest Expense | $108.40M | - | $116.30M | $118.10M | $114.70M | - | $111.20M | $104.50M | $92.50M | - |
| Income Tax | $39.20M | - | $40.70M | $30.40M | $35.40M | - | $27.70M | ($8.20M) | $22.10M | - |
| Net Income | $135.80M | - | $108.20M | $87.40M | $106.30M | - | $78.80M | ($47.10M) | $64.30M | - |
| EPS - Basic | $12.64 | - | $9.62 | $7.55 | $8.79 | - | $6.42 | ($3.83) | $5.15 | - |
| EPS - Diluted | $12.40 | - | $9.43 | $7.42 | $8.66 | - | $6.35 | ($3.83) | $5.08 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $25.70M | $22.80M | $15.90M | $70.00M | $528.80M | $343.70M | $159.70M | $8.30M | $8.40M | $13.20M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $8.69B | $8.63B | $8.64B | $8.72B | $9.26B | $8.85B | $8.68B | $8.26B | $8.10B | $7.61B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $7.18B | $7.11B | $7.06B | $7.17B | $7.55B | $7.11B | $7.04B | $6.70B | $6.44B | $5.86B |
| Stockholders' Equity | $1.51B | $1.52B | $1.58B | $1.55B | $1.71B | $1.75B | $1.65B | $1.55B | $1.65B | $1.75B |
| Retained Earnings | $1.08B | $1.12B | $1.19B | $1.18B | $1.36B | $1.41B | $1.32B | $1.24B | $1.35B | $1.48B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $346.80M | - | - | - | $346.20M | - | - | - | $310.00M | - |
| Investing Cash Flow | ($192.10M) | - | - | - | ($291.60M) | - | - | - | ($583.90M) | - |
| Financing Cash Flow | ($104.00M) | - | - | - | $221.00M | - | - | - | $370.60M | - |
| CapEx | $1.30M | - | - | - | $300.0K | - | - | - | $300.0K | - |
| Free Cash Flow | $345.50M | - | - | - | $345.90M | - | - | - | $309.70M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 30.2% | - | 25.6% | 20.2% | 24.8% | - | 19.4% | -10.3% | 17.0% | - |
| EBITDA margin | 30.3% | - | - | - | 25.0% | - | - | - | 17.4% | - |
| Net margin | 23.4% | - | 18.6% | 15.0% | 18.6% | - | 14.3% | -8.8% | 12.7% | - |
| Free cash flow margin | 59.6% | - | - | - | 60.6% | - | - | - | 61.0% | - |
| FCF / Net income | 2.54 | - | - | - | 3.25 | - | - | - | 4.82 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 4.3% | - | 6.2% | 7.7% | 3.9% | - | 5.3% | 4.3% | 4.7% | - |
| Effective tax rate | 22.4% | - | 27.3% | 25.8% | 25.0% | - | 26.0% | - | 25.6% | - |
| Return on assets | 1.6% | - | 1.3% | 1.0% | 1.1% | - | 0.9% | -0.6% | 0.8% | - |
| Return on equity | 9.0% | - | 6.9% | 5.6% | 6.2% | - | 4.8% | -3.0% | 3.9% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 1.6x | - | 1.3x | 1.0x | 1.2x | - | 1.0x | -0.5x | 0.9x | - |
| Equity multiplier | 5.74 | 5.67 | 5.47 | 5.61 | 5.41 | 5.06 | 5.27 | 5.31 | 4.90 | 4.34 |
| Liabilities / Assets | 0.83 | 0.82 | 0.82 | 0.82 | 0.82 | 0.80 | 0.81 | 0.81 | 0.80 | 0.77 |
| Efficiency | ||||||||||
| Asset turnover | 0.07 | - | 0.07 | 0.07 | 0.06 | - | 0.06 | 0.07 | 0.06 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 34.1x | - | 49.5x | 68.7x | 59.6x | - | 69.8x | - | 108.6x | - |
| P / B | 3.1x | - | 3.4x | 3.9x | 3.7x | - | 3.3x | 4.1x | 4.2x | - |
| P / S | 8.0x | - | 9.2x | 10.3x | 11.1x | - | 10.0x | 11.7x | 13.7x | - |
| EV / EBITDA | 26.3x | - | - | - | 40.7x | - | - | - | 78.6x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 1.6% | - | 5.8% | 8.5% | 12.4% | - | 15.0% | 12.6% | 11.9% | - |
| Revenue CAGR (3y) | 8.5% | - | 8.2% | 8.5% | 7.8% | - | 5.4% | 4.5% | 4.0% | - |
| Revenue CAGR (5y) | 5.2% | - | 6.4% | 7.5% | 8.0% | - | 7.8% | 7.7% | 7.5% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 23.5% | - | 39.8% | - | 64.0% | - | 10.4% | - | -31.9% | - |
| Net income growth (YoY) | 27.8% | - | 37.3% | - | 65.3% | - | 11.3% | - | -35.4% | - |
| EPS growth (YoY) | 43.2% | - | 48.5% | - | 70.5% | - | 16.9% | - | -33.2% | - |
| EPS CAGR (3y) | 17.7% | - | 13.3% | -2.2% | -16.6% | - | -26.2% | - | -24.5% | - |
| EPS CAGR (5y) | 1.0% | - | -7.0% | 6.6% | - | - | -6.2% | - | -10.1% | - |
| FCF growth (YoY) | -0.1% | - | - | - | 11.7% | - | - | - | 4.8% | - |
| FCF CAGR (5y) | 1.3% | - | - | - | 8.8% | - | - | - | 6.6% | - |
| Book value growth (YoY) | -11.5% | -12.9% | -4.1% | -0.0% | 3.6% | -0.2% | -3.2% | -11.0% | -4.1% | 8.0% |
Peer comparison
Same SIC group: Personal Credit Institutions
Comparing CREDIT ACCEPTANCE CORP against the 5 most active filers in the same SIC group.