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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $2.32B | $2.16B | $1.90B | $1.83B | $1.86B | $1.67B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $161.40M | $97.90M | $87.20M | $88.70M | $100.30M | $69.60M |
| Total Operating Expenses | $599.90M | $501.50M | $383.70M | $1.12B | $595.10M | $1.12B |
| D&A | $3.60M | $6.70M | $8.90M | $9.00M | $9.70M | $8.80M |
| Operating Income | $565.40M | $329.50M | $367.60M | $711.70M | $549.50M | $549.50M |
| Interest Expense | $462.90M | $419.50M | $266.50M | $166.60M | $164.20M | $192.00M |
| Income Tax | $141.50M | $81.60M | $81.50M | $175.90M | $302.60M | $128.50M |
| Net Income | $423.90M | $247.90M | $286.10M | $535.80M | $958.30M | $421.00M |
| EPS - Basic | $37.02 | $20.12 | $22.09 | $39.50 | $59.57 | $23.57 |
| EPS - Diluted | $36.38 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $22.80M | $343.70M | $13.20M | $7.70M | $23.30M | $16.00M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $8.63B | $8.85B | $7.61B | $6.90B | $7.05B | $7.49B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $7.11B | $7.11B | $5.86B | $5.28B | $5.23B | $5.19B |
| Stockholders' Equity | $1.52B | $1.75B | $1.75B | $1.62B | $1.82B | $2.30B |
| Retained Earnings | $1.12B | $1.41B | $1.48B | $1.38B | $1.63B | $2.14B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.05B | $1.14B | $1.20B | $1.24B | $1.07B | $985.20M |
| Investing Cash Flow | ($674.30M) | ($1.72B) | ($1.42B) | ($460.60M) | $437.30M | ($673.50M) |
| Financing Cash Flow | ($724.60M) | $957.30M | $266.20M | ($794.60M) | ($1.47B) | ($433.20M) |
| CapEx | $1.60M | $1.80M | $4.00M | $3.10M | $7.60M | $8.50M |
| Free Cash Flow | $1.05B | $1.14B | $1.20B | $1.24B | $1.06B | $976.70M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 24.4% | 15.2% | 19.3% | 38.8% | 29.6% | 32.9% |
| EBITDA margin | 24.6% | 15.5% | 19.8% | 39.3% | 30.1% | 33.4% |
| Net margin | 18.3% | 11.5% | 15.0% | 29.2% | 51.6% | 25.2% |
| Free cash flow margin | 45.4% | 52.5% | 63.1% | 67.4% | 57.2% | 58.5% |
| FCF / Net income | 2.48 | 4.58 | 4.19 | 2.31 | 1.11 | 2.32 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 7.0% | 4.5% | 4.6% | 4.8% | 5.4% | 4.2% |
| Effective tax rate | 25.0% | 24.8% | 22.2% | 24.7% | 24.0% | 23.4% |
| Return on assets | 4.9% | 2.8% | 3.8% | 7.8% | 13.6% | 5.6% |
| Return on equity | 27.8% | 14.2% | 16.3% | 33.0% | 52.5% | 18.3% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 1.2x | 0.8x | 1.4x | 4.3x | 3.3x | 2.9x |
| Equity multiplier | 5.67 | 5.06 | 4.34 | 4.25 | 3.87 | 3.25 |
| Liabilities / Assets | 0.82 | 0.80 | 0.77 | 0.76 | 0.74 | 0.69 |
| Efficiency | ||||||
| Asset turnover | 0.27 | 0.24 | 0.25 | 0.27 | 0.26 | 0.22 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.2x | 23.6x | 24.2x | 12.1x | 11.6x | 14.7x |
| P / B | 3.4x | 3.3x | 4.0x | 4.0x | 6.1x | 2.7x |
| P / S | 2.2x | 2.7x | 3.6x | 3.5x | 6.0x | 3.7x |
| EV / EBITDA | 9.0x | 16.4x | 18.4x | 9.0x | 19.8x | 11.1x |
| Growth | ||||||
| Revenue growth (YoY) | 7.2% | 13.7% | 3.8% | -1.3% | 11.2% | 12.1% |
| Revenue CAGR (3y) | 8.1% | 5.2% | 4.4% | 7.2% | 13.0% | 14.6% |
| Revenue CAGR (5y) | 6.8% | 7.7% | 8.1% | 10.5% | 13.9% | 15.1% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 71.6% | -10.4% | -48.3% | 29.5% | 0.0% | -35.8% |
| Net income growth (YoY) | 71.0% | -13.4% | -46.6% | -44.1% | 127.6% | -35.8% |
| EPS growth (YoY) | 83.0% | -9.6% | -44.1% | -33.9% | 153.6% | -32.1% |
| EPS CAGR (3y) | -2.6% | -30.6% | -2.1% | 4.4% | 26.5% | -0.8% |
| EPS CAGR (5y) | 9.2% | -10.5% | -5.6% | 10.3% | 29.6% | 10.4% |
| FCF growth (YoY) | -7.3% | -5.3% | -2.9% | 16.4% | 8.7% | 24.3% |
| FCF CAGR (5y) | 1.5% | 7.7% | 12.1% | 17.2% | 16.2% | 19.5% |
| Book value growth (YoY) | -12.9% | -0.2% | 8.0% | -11.0% | -20.8% | -2.2% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Personal Credit Institutions
Comparing CREDIT ACCEPTANCE CORP against the 5 most active filers in the same SIC group.