Credit Acceptance Corp (CACC) Financial Statements
Industry: Personal Credit Institutions
In fiscal 2025, Credit Acceptance reported revenue of $2.32B, up 7.2% from $2.16B the year before. Net income was $423.9M (a 18.3% net margin), or $36.38 per diluted share. Gross margin was 96.9% and operating margin was 71.0%. Operating activities generated $1.05B of cash, leaving $1.05B of free cash flow. At fiscal year end, Credit Acceptance held $8.63B in total assets against $7.11B in total liabilities, including $22.8M of cash and equivalents.
Open the full interactive Credit Acceptance financials → Quarterly statements, key ratios, valuation history and price charts.
Credit Acceptance Key Stats
| Share Price | $545.96 |
|---|---|
| Market Cap | $5.86B |
| P/E Ratio | 15.0 |
| Revenue YoY Growth | +7.2% |
| 52-Week Range | $411.04 – $657.20 |
| Shares Outstanding | 10.5 million (basic, 2026 Q2) |
Credit Acceptance Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $1.67B | $1.86B | $1.83B | $1.90B | $2.16B | $2.32B |
| Cost of Goods Sold | $37.9M | $38.8M | $46.4M | $70.7M | $73.5M | $71.7M |
| Gross Profit | $1.63B | $1.82B | $1.79B | $1.83B | $2.09B | $2.25B |
| Operating Income | $1.56B | $1.72B | $1.70B | $1.37B | $1.59B | $1.65B |
| Pre-Tax Income | $549.5M | $1.26B | $711.7M | $367.6M | $329.5M | $565.4M |
| Income Tax | $128.5M | $302.6M | $175.9M | $81.5M | $81.6M | $141.5M |
| Net Income | $421.0M | $958.3M | $535.8M | $286.1M | $247.9M | $423.9M |
| Diluted EPS | $23.47 | $59.52 | $39.32 | $21.99 | $19.88 | $36.38 |
Credit Acceptance Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $582.4M | $579.9M | $580.0M | $587.4M |
| Net Income | $108.2M | $122.0M | $135.8M | $135.9M |
| Diluted EPS | $9.43 | $10.47 | $12.40 | $12.66 |
Credit Acceptance Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $16.0M | $23.3M | $7.7M | $13.2M | $343.7M | $22.8M |
| Total Assets | $7.49B | $7.05B | $6.90B | $7.61B | $8.85B | $8.63B |
| Total Long-Term Debt | $4.61B | $4.62B | $4.59B | $5.07B | $6.35B | $6.35B |
| Total Liabilities | $5.19B | $5.23B | $5.28B | $5.86B | $7.11B | $7.11B |
| Shareholders' Equity | $2.30B | $1.82B | $1.62B | $1.75B | $1.75B | $1.52B |
Credit Acceptance Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $985.2M | $1.07B | $1.24B | $1.20B | $1.14B | $1.05B |
| Cash From Investing | -$673.5M | $437.3M | -$460.6M | -$1.42B | -$1.72B | -$674.3M |
| Cash From Financing | -$433.2M | -$1.47B | -$794.6M | $266.2M | $957.3M | -$724.6M |
| Free Cash Flow | $976.7M | $1.06B | $1.24B | $1.20B | $1.14B | $1.05B |
Figures from Credit Acceptance's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Credit Acceptance financials page for every line item.
Credit Acceptance Company Profile
| Ticker | CACC |
|---|---|
| Exchange | Nasdaq |
| Industry | Personal Credit Institutions |
| Headquarters | Southfield, Michigan |
| Incorporated in | Michigan |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000885550 |
Frequently Asked Questions
What was Credit Acceptance's revenue in fiscal 2025?
Credit Acceptance (CACC) reported revenue of $2.32B for fiscal 2025.
What is Credit Acceptance's annual revenue history?
Credit Acceptance's annual revenue by fiscal year: 2020: $1.67B; 2021: $1.86B; 2022: $1.83B; 2023: $1.90B; 2024: $2.16B; 2025: $2.32B.
What was Credit Acceptance's net income in fiscal 2025?
Credit Acceptance reported net income of $423.9M for fiscal 2025.
What was Credit Acceptance's earnings per share (EPS) in fiscal 2025?
Credit Acceptance's diluted EPS was $36.38 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Credit Acceptance generate in fiscal 2025?
Credit Acceptance generated $1.05B of free cash flow in fiscal 2025.
What was Credit Acceptance's revenue last quarter?
In its most recent reported quarter (2026 Q2), Credit Acceptance reported revenue of $587.4M.
How much debt does Credit Acceptance have?
Credit Acceptance reported $6.35B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Credit Acceptance are outstanding?
Credit Acceptance reported a weighted average of 10.5 million basic shares outstanding in 2026 Q2.
What is Credit Acceptance's market cap?
Based on its latest closing price, Credit Acceptance (CACC) has a market capitalization of about $5.86B.
When does Credit Acceptance's fiscal year end?
Credit Acceptance's fiscal year end, as registered with the SEC, is December 31.
Where is Credit Acceptance headquartered?
Credit Acceptance lists its business address in Southfield, Michigan in its SEC filings.