Credit Acceptance (CACC) Financials

$483.14 -12.90 (-2.60%)

Closing price 04:00 PM Eastern

Extended Trading

$482.90 -0.24 (-0.05%)

As of 04:34 PM Eastern

Annual Income Statements for Credit Acceptance

This table shows Credit Acceptance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Income / (Loss) Attributable to Common Shareholders	248	286	536	958	421	656	574	470	333	300
Consolidated Net Income / (Loss)	248	286	536	958	421	656	574	470	333	300
Net Income / (Loss) Continuing Operations	248	286	536	958	421	656	574	470	333	300
Total Pre-Tax Income	330	368	712	1,261	550	856	755	584	531	475
Total Revenue	2,162	1,635	1,666	1,692	1,662	1,293	1,286	990	969	825
Net Interest Income / (Expense)	0.00	-267	-167	-164	0.00	-196	0.00	-120	0.00	0.00
Total Interest Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	0.00	267	167	164	0.00	196	0.00	120	0.00	0.00
Total Non-Interest Income	2,162	1,902	1,832	1,856	1,662	1,489	1,286	1,110	969	825
Service Charges on Deposit Accounts	1,993	1,755	1,686	1,743	1,562	1,369	1,177	1,012	874	731
Other Service Charges	74	67	83	53	50	69	62	57	52	47
Premiums Earned	96	80	63	60	57	51	47	41	43	48
Provision for Credit Losses	815	736	481	8.40	-	76	-	129	-	-
Total Non-Interest Expense	1,018	532	473	423	1,112	361	531	277	438	351
Salaries and Employee Benefits	309	280	262	218	187	193	168	140	127	116
Marketing Expense	94	92	76	65	70	70	68	58	49	46
Property & Liability Insurance Claims	74	71	46	39	38	30	26	23	26	33
Other Operating Expenses	541	87	89	100	262	65	212	56	236	155
Other Special Charges	0.00	1.80	0.00	0.00	557	1.80	57	-	-	-
Income Tax Expense	82	82	176	303	129	200	181	114	198	175
Basic Earnings per Share	$20.12	$22.09	$39.50	$59.57	$23.57	$34.71	$29.52	$24.12	$16.37	$14.35
Weighted Average Basic Shares Outstanding	12.32M	12.95M	13.56M	16.09M	17.86M	18.90M	19.45M	19.50M	20.33M	20.89M
Diluted Earnings per Share	$19.88	$21.99	$39.32	$59.52	$23.47	$34.57	$29.39	$24.04	$16.31	$14.28
Weighted Average Diluted Shares Outstanding	12.47M	13.01M	13.63M	16.10M	17.94M	18.98M	19.53M	19.56M	20.41M	20.98M
Weighted Average Basic & Diluted Shares Outstanding	12.03M	12.30M	12.83M	14.11M	16.82M	18.15M	19.40M	19.50M	20.30M	20.90M

This table shows Credit Acceptance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	106	152	79	-47	64	94	71	22	100	127	87
Consolidated Net Income / (Loss)	106	152	79	-47	64	94	71	22	100	127	87
Net Income / (Loss) Continuing Operations	106	152	79	-47	64	94	71	22	100	127	87
Total Pre-Tax Income	142	192	107	-55	86	116	97	28	127	163	122
Total Revenue	456	898	439	410	416	413	408	415	399	373	419
Net Interest Income / (Expense)	-115	308	-111	-105	-93	-79	-71	-63	-54	-86	-42
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	115	-308	111	105	93	79	71	63	54	86	42
Long-Term Debt Interest Expense	115	-	111	105	93	79	71	63	54	-	42
Total Non-Interest Income	571	590	550	515	508	492	479	478	454	459	460
Service Charges on Deposit Accounts	527	518	508	498	469	-	442	441	-	-	-
Other Service Charges	21	23	18	16	17	18	16	17	15	26	23
Premiums Earned	24	25	25	24	22	22	21	20	17	17	16
Provision for Credit Losses	162	123	185	321	186	164	185	251	137	-	180
Total Non-Interest Expense	153	583	148	145	143	133	127	137	135	57	116
Salaries and Employee Benefits	89	78	77	76	79	66	67	70	77	65	67
Marketing Expense	25	22	23	25	24	21	23	26	22	18	20
Property & Liability Insurance Claims	16	18	19	20	17	17	17	20	18	12	13
Other Operating Expenses	22	465	29	23	24	27	21	21	18	-16	17
Other Special Charges	1.20	-	-	-	0.00	-	-	-	0.00	-23	0.00
Income Tax Expense	35	40	28	-8.20	22	23	26	5.70	27	36	35
Basic Earnings per Share	$8.79	$12.38	$6.42	($3.83)	$5.15	$7.30	$5.47	$1.70	$7.62	$9.96	$6.53
Weighted Average Basic Shares Outstanding	12.09M	12.32M	12.27M	12.28M	12.48M	12.95M	12.93M	13.05M	13.06M	13.56M	13.29M
Diluted Earnings per Share	$8.66	$12.28	$6.35	($3.83)	$5.08	$7.26	$5.43	$1.69	$7.61	$9.95	$6.49
Weighted Average Diluted Shares Outstanding	12.28M	12.47M	12.42M	12.28M	12.65M	13.01M	13.04M	13.10M	13.07M	13.63M	13.36M
Weighted Average Basic & Diluted Shares Outstanding	11.60M	12.03M	12.11M	12.11M	12.11M	12.30M	12.57M	12.82M	12.84M	12.83M	12.92M

This table details how cash moves in and out of Credit Acceptance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Net Change in Cash & Equivalents	374	53	-17	38	-122	188	66	25	66	-0.10
Net Cash From Operating Activities	1,138	1,204	1,239	1,069	985	812	704	566	507	404
Net Cash From Continuing Operating Activities	1,138	1,204	1,239	1,069	985	812	704	566	507	404
Net Income / (Loss) Continuing Operations	248	286	536	958	421	656	574	470	333	300
Consolidated Net Income / (Loss)	248	286	536	958	421	656	574	470	333	300
Provision For Loan Losses	815	736	481	8.40	557	76	57	129	90	42
Depreciation Expense	6.70	8.90	9.00	9.70	8.80	7.30	5.40	6.00	6.10	5.70
Amortization Expense	21	18	17	17	15	15	14	10	9.20	8.50
Non-Cash Adjustments to Reconcile Net Income	70	42	37	24	13	9.20	10	16	7.50	13
Changes in Operating Assets and Liabilities, net	-22	113	159	52	-29	48	43	-65	61	36
Net Cash From Investing Activities	-1,721	-1,417	-461	437	-674	-1,024	-1,238	-872	-878	-640
Net Cash From Continuing Investing Activities	-1,721	-1,417	-461	437	-674	-1,024	-1,238	-872	-878	-640
Purchase of Property, Leasehold Improvements and Equipment	-1.80	-4.00	-3.10	-7.60	-8.50	-27	-25	-8.40	-5.50	-4.00
Purchase of Investment Securities	-1,099	-1,257	-1,145	-1,148	-1,477	-1,388	-1,225	-939	-793	-406
Sale and/or Maturity of Investments	3,258	3,061	3,449	3,849	3,208	3,012	2,608	2,223	1,998	1,778
Other Investing Activities, net	-3,879	-3,217	-2,761	-2,257	-2,396	-2,622	-2,596	-2,147	-2,077	-2,008
Net Cash From Financing Activities	957	266	-795	-1,469	-433	400	600	330	437	235
Net Cash From Continuing Financing Activities	957	266	-795	-1,469	-433	400	600	330	437	235
Issuance of Debt	9,745	10,794	8,165	3,393	8,176	7,043	4,959	5,892	3,785	3,152
Issuance of Common Equity	16	5.20	15	12	0.00	-	-	-	-	-
Repayment of Debt	-8,473	-10,337	-8,206	-3,401	-8,128	-6,342	-4,230	-5,435	-3,258	-2,831
Repurchase of Common Equity	-313	-203	-785	-1,472	-481	-300	-129	-124	-122	-87
Other Financing Activities, Net	-17	6.40	16	-0.80	-0.80	-0.60	-	-2.50	32	0.70
Cash Interest Paid	393	242	147	149	192	176	141	109	88	62
Cash Income Taxes Paid	104	32	73	213	142	172	169	175	111	147

This table details how cash moves in and out of Credit Acceptance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	276	129	199	-50	97	33	26	-76	70	22	-35
Net Cash From Operating Activities	346	306	318	204	310	311	313	283	297	287	326
Net Cash From Continuing Operating Activities	346	306	318	204	310	311	313	283	297	287	326
Net Income / (Loss) Continuing Operations	106	152	79	-47	64	94	71	22	100	127	87
Consolidated Net Income / (Loss)	106	152	79	-47	64	94	71	22	100	127	87
Provision For Loan Losses	162	123	185	321	186	164	185	251	137	130	180
Depreciation Expense	1.20	1.20	1.30	2.00	2.20	2.30	2.20	2.20	2.20	2.20	2.20
Amortization Expense	5.70	5.70	5.60	4.90	4.90	4.40	4.90	4.20	4.20	4.10	4.00
Non-Cash Adjustments to Reconcile Net Income	16	-20	24	23	43	-23	23	7.50	34	6.00	6.80
Changes in Operating Assets and Liabilities, net	55	44	23	-99	9.40	70	28	-3.90	19	17	46
Net Cash From Investing Activities	-292	-187	-424	-526	-584	-345	-360	-368	-344	-122	-173
Net Cash From Continuing Investing Activities	-292	-187	-424	-526	-584	-345	-360	-368	-344	-122	-173
Purchase of Property, Leasehold Improvements and Equipment	-0.30	-0.70	-0.40	-0.40	-0.30	-1.70	0.10	-1.50	-0.90	-1.20	-0.90
Purchase of Investment Securities	-287	-214	-265	-291	-329	-252	-304	-341	-361	-256	-287
Sale and/or Maturity of Investments	8.80	3,222	-1,598	799	835	3,041	-1,585	774	831	751	826
Other Investing Activities, net	-13	-3,195	1,439	-1,034	-1,089	-3,132	1,529	-799	-814	-615	-711
Net Cash From Financing Activities	221	9.70	305	272	371	66	73	9.00	118	-143	-189
Net Cash From Continuing Financing Activities	221	9.70	305	272	371	66	73	9.00	118	-143	-189
Issuance of Debt	1,160	892	2,098	3,651	3,105	3,261	2,823	2,587	2,123	1,449	2,109
Issuance of Common Equity	5.60	1.00	-	-	15	0.80	0.30	-	4.10	2.70	1.30
Repayment of Debt	-814	-793	-1,801	-3,314	-2,565	-3,140	-2,633	-2,567	-1,997	-1,488	-2,279
Repurchase of Common Equity	-164	-61	-	-61	-191	-54	-126	-7.80	-15	-105	-27
Other Financing Activities, Net	34	-29	8.00	-4.10	7.60	-1.70	9.10	-3.60	2.60	-1.60	5.90
Cash Interest Paid	100	113	97	105	78	69	65	57	51	42	38
Cash Income Taxes Paid	6.50	1.70	0.80	96	5.20	12	1.40	15	3.40	23	12

This table presents Credit Acceptance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Total Assets	8,855	7,610	6,905	7,051	7,489	7,423	6,237	4,986	4,218	3,373
Cash and Due from Banks	344	13	7.70	23	16	187	26	8.20	15	6.30
Restricted Cash	501	458	410	411	380	390	362	302	270	216
Trading Account Securities	106	93	72	62	66	-	-	-	-	-
Loans and Leases, Net of Allowance	-3,439	-3,065	6,298	6,336	6,788	6,685	5,763	4,620	3,887	3,102
Allowance for Loan and Lease Losses	3,439	3,065	2,868	3,014	3,337	536	462	429	320	244
Premises and Equipment, Net	15	47	51	57	59	60	40	21	18	19
Other Assets	11,327	10,064	66	161	179	101	46	36	29	30
Total Liabilities & Shareholders' Equity	8,855	7,610	6,905	7,051	7,489	7,423	6,237	4,986	4,218	3,373
Total Liabilities	7,105	5,857	5,281	5,227	5,187	5,068	4,247	3,450	3,044	2,445
Short-Term Debt	0.10	88	40	2.60	96	11	184	14	0.00	58
Other Short-Term Payables	316	319	261	-	-	206	186	152	144	128
Long-Term Debt	6,353	4,980	4,551	4,614	4,513	4,528	3,637	3,057	2,604	2,010
Other Long-Term Liabilities	436	470	429	610	578	323	239	227	297	249
Total Equity & Noncontrolling Interests	1,750	1,754	1,624	1,824	2,303	2,355	1,991	1,536	1,174	928
Total Preferred & Common Equity	1,750	1,754	1,624	1,824	2,303	2,355	1,991	1,536	1,174	928
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,750	1,754	1,624	1,824	2,303	2,355	1,991	1,536	1,174	928
Common Stock	335	279	246	197	162	158	155	146	132	101
Retained Earnings	1,415	1,476	1,381	1,627	2,139	2,197	1,836	1,390	1,042	827
Accumulated Other Comprehensive Income / (Loss)	-0.30	-1.00	-2.90	0.20	1.60	0.80	-0.30	-0.20	-0.20	-0.10

This table presents Credit Acceptance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	9,258	8,683	8,255	8,097	7,397	7,206	7,155	6,892
Cash and Due from Banks	529	160	8.30	8.40	3.10	3.20	8.10	11
Restricted Cash	592	557	509	559	435	409	480	385
Trading Account Securities	109	114	106	100	86	81	76	68
Loans and Leases, Net of Allowance	-3,499	-3,416	7,548	7,346	6,781	6,610	6,500	6,312
Allowance for Loan and Lease Losses	3,499	3,416	3,337	3,138	3,032	2,989	2,884	2,875
Premises and Equipment, Net	14	15	16	45	47	49	50	52
Other Assets	11,513	11,254	68	39	45	52	40	65
Total Liabilities & Shareholders' Equity	9,258	8,683	8,255	8,097	7,397	7,206	7,155	6,892
Total Liabilities	7,547	7,037	6,701	6,445	5,696	5,459	5,432	5,303
Short-Term Debt	1.40	1.00	84	178	111	178	154	198
Long-Term Debt	6,704	6,248	5,862	5,434	4,830	4,569	4,567	4,428
Other Long-Term Liabilities	842	788	754	833	755	712	711	677
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,711	1,647	1,555	1,652	1,701	1,747	1,723	1,589
Total Preferred & Common Equity	1,711	1,647	1,555	1,652	1,701	1,747	1,723	1,589
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,711	1,647	1,555	1,652	1,701	1,747	1,723	1,589
Common Stock	352	325	314	304	271	262	252	236
Retained Earnings	1,359	1,321	1,242	1,350	1,432	1,488	1,473	1,357
Accumulated Other Comprehensive Income / (Loss)	0.60	0.90	-1.20	-1.20	-2.90	-2.70	-2.10	-3.40

This table displays calculated financial ratios and metrics derived from Credit Acceptance's official financial filings.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016	12/31/2015
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	32.22%	-1.82%	-1.54%	1.80%	28.55%	0.54%	29.91%	2.13%	17.44%	14.07%
EBITDA Growth	-9.36%	-46.53%	-42.72%	124.52%	-34.73%	13.39%	29.06%	9.83%	11.83%	12.58%
EBIT Growth	-10.36%	-48.35%	-43.56%	129.46%	-35.80%	13.35%	29.34%	9.90%	11.95%	12.73%
NOPAT Growth	-13.35%	-46.60%	-44.09%	127.62%	-35.83%	14.30%	22.08%	41.29%	11.04%	12.58%
Net Income Growth	-13.35%	-46.60%	-44.09%	127.62%	-35.83%	14.30%	22.08%	41.29%	11.04%	12.58%
EPS Growth	-9.60%	-44.07%	-33.94%	153.60%	-32.11%	17.63%	22.25%	47.39%	14.22%	19.80%
Operating Cash Flow Growth	-5.47%	-2.82%	15.83%	8.55%	21.29%	15.40%	24.36%	11.59%	25.48%	10.68%
Free Cash Flow Firm Growth	-222.53%	-142.07%	-46.70%	253.69%	194.79%	32.48%	-75.82%	19.99%	-85.80%	-425.00%
Invested Capital Growth	18.78%	9.76%	-3.51%	-6.81%	0.25%	18.62%	26.16%	21.95%	26.09%	22.05%
Revenue Q/Q Growth	28.91%	2.49%	-3.00%	-8.75%	22.19%	-4.27%	15.83%	-8.26%	4.13%	-2.18%
EBITDA Q/Q Growth	26.88%	-66.21%	-39.22%	74.77%	0.24%	-3.81%	-5.98%	-3.04%	3.02%	4.00%
EBIT Q/Q Growth	29.72%	-67.76%	-40.05%	77.47%	0.16%	-3.93%	-6.29%	-3.18%	3.05%	4.13%
NOPAT Q/Q Growth	30.75%	-10.54%	-14.42%	5.66%	1.06%	1.55%	-4.21%	23.51%	2.34%	2.39%
Net Income Q/Q Growth	30.75%	-10.54%	-14.42%	5.66%	1.06%	1.55%	-4.21%	23.51%	2.34%	2.39%
EPS Q/Q Growth	33.78%	-10.90%	-10.84%	10.41%	2.67%	2.34%	-4.30%	24.56%	3.16%	3.18%
Operating Cash Flow Q/Q Growth	-0.44%	2.07%	14.38%	-6.23%	-0.21%	0.17%	7.89%	1.38%	8.52%	2.30%
Free Cash Flow Firm Q/Q Growth	2.89%	-200.00%	-21.64%	12.17%	289.21%	-422.88%	45.07%	-21.37%	-32.59%	22.40%
Invested Capital Q/Q Growth	2.62%	2.70%	-0.01%	-1.84%	-0.24%	4.22%	-4.74%	5.84%	2.76%	-0.55%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	16.52%	24.10%	44.26%	76.08%	34.50%	67.94%	60.24%	60.64%	56.39%	59.21%
EBIT Margin	15.24%	22.48%	42.72%	74.53%	33.06%	66.21%	58.73%	58.98%	54.81%	57.49%
Profit (Net Income) Margin	11.46%	17.49%	32.16%	56.64%	25.33%	50.75%	44.64%	47.50%	34.34%	36.31%
Tax Burden Percent	75.24%	77.83%	75.28%	76.00%	76.62%	76.66%	76.02%	80.54%	62.65%	63.16%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	24.76%	22.17%	24.72%	24.00%	23.38%	23.34%	23.98%	19.46%	37.35%	36.84%
Return on Invested Capital (ROIC)	3.32%	4.39%	8.47%	14.35%	6.10%	10.33%	11.02%	11.22%	9.83%	11.00%
ROIC Less NNEP Spread (ROIC-NNEP)	3.32%	4.39%	8.47%	14.35%	6.10%	10.33%	11.02%	11.22%	9.83%	11.00%
Return on Net Nonoperating Assets (RNNOA)	10.83%	12.55%	22.61%	32.09%	11.98%	19.86%	21.53%	23.49%	21.84%	25.77%
Return on Equity (ROE)	14.15%	16.94%	31.08%	46.44%	18.08%	30.19%	32.55%	34.71%	31.67%	36.77%
Cash Return on Invested Capital (CROIC)	-13.85%	-4.92%	12.04%	21.40%	5.85%	-6.71%	-12.12%	-8.56%	-13.25%	-8.86%
Operating Return on Assets (OROA)	4.00%	5.07%	10.20%	17.34%	7.37%	12.53%	13.46%	12.69%	14.00%	15.41%
Return on Assets (ROA)	3.01%	3.94%	7.68%	13.18%	5.65%	9.61%	10.23%	10.22%	8.77%	9.73%
Return on Common Equity (ROCE)	14.15%	16.94%	31.08%	46.44%	18.08%	30.19%	32.55%	34.71%	31.67%	36.77%
Return on Equity Simple (ROE_SIMPLE)	14.17%	16.31%	32.99%	52.53%	18.28%	27.86%	28.83%	30.62%	28.35%	32.29%
Net Operating Profit after Tax (NOPAT)	248	286	536	958	421	656	574	470	333	300
NOPAT Margin	11.46%	17.49%	32.16%	56.64%	25.33%	50.75%	44.64%	47.50%	34.34%	36.31%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	18.66%	22.74%	20.27%	16.75%	15.40%	20.38%	18.32%	20.05%	18.15%	19.67%
Operating Expenses to Revenue	47.09%	32.51%	28.38%	24.97%	66.94%	27.89%	41.27%	27.96%	45.19%	42.51%
Earnings before Interest and Taxes (EBIT)	330	368	712	1,261	550	856	755	584	531	475
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	357	394	737	1,287	573	878	775	600	547	489
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.25	3.82	3.78	5.48	2.65	3.53	3.70	4.07	3.77	4.75
Price to Tangible Book Value (P/TBV)	3.25	3.82	3.78	5.48	2.65	3.53	3.70	4.07	3.77	4.75
Price to Revenue (P/Rev)	2.63	4.09	3.68	5.91	3.68	6.43	5.73	6.31	4.56	5.34
Price to Earnings (P/E)	22.94	23.40	11.44	10.43	14.51	12.67	12.84	13.28	13.29	14.71
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	4.36%	4.27%	8.74%	9.58%	6.89%	7.89%	7.79%	7.53%	7.53%	6.80%
Enterprise Value to Invested Capital (EV/IC)	1.38	1.66	1.66	2.20	1.49	1.78	1.86	1.96	1.78	2.09
Enterprise Value to Revenue (EV/Rev)	5.18	6.90	6.19	8.38	6.21	9.50	8.40	9.10	6.95	7.58
Enterprise Value to EBITDA (EV/EBITDA)	31.33	28.64	13.98	11.02	18.00	13.98	13.95	15.01	12.33	12.80
Enterprise Value to EBIT (EV/EBIT)	33.97	30.72	14.48	11.25	18.78	14.34	14.31	15.43	12.69	13.18
Enterprise Value to NOPAT (EV/NOPAT)	45.16	39.47	19.23	14.80	24.52	18.71	18.82	19.16	20.25	20.87
Enterprise Value to Operating Cash Flow (EV/OCF)	9.84	9.38	8.32	13.26	10.48	15.11	15.35	15.91	13.29	15.47
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	13.53	9.92	25.55	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	3.63	2.89	2.83	2.53	2.00	1.93	1.92	2.00	2.22	2.23
Long-Term Debt to Equity	3.63	2.84	2.80	2.53	1.96	1.92	1.83	1.99	2.22	2.17
Financial Leverage	3.26	2.86	2.67	2.24	1.96	1.92	1.95	2.09	2.22	2.34
Leverage Ratio	4.70	4.30	4.05	3.52	3.20	3.14	3.18	3.40	3.61	3.78
Compound Leverage Factor	4.70	4.30	4.05	3.52	3.20	3.14	3.18	3.40	3.61	3.78
Debt to Total Capital	78.41%	74.29%	73.87%	71.68%	66.68%	65.84%	65.74%	66.66%	68.93%	69.02%
Short-Term Debt to Total Capital	0.00%	1.28%	0.64%	0.04%	1.39%	0.16%	3.16%	0.30%	0.00%	1.93%
Long-Term Debt to Total Capital	78.41%	73.01%	73.23%	71.64%	65.30%	65.67%	62.58%	66.36%	68.93%	67.10%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	21.59%	25.71%	26.13%	28.32%	33.32%	34.16%	34.26%	33.34%	31.07%	30.98%
Debt to EBITDA	17.78	12.86	6.23	3.59	8.04	5.17	4.93	5.12	4.76	4.23
Net Debt to EBITDA	15.42	11.66	5.66	3.25	7.35	4.51	4.43	4.60	4.24	3.78
Long-Term Debt to EBITDA	17.78	12.63	6.17	3.58	7.87	5.15	4.70	5.09	4.76	4.11
Debt to NOPAT	25.63	17.71	8.57	4.82	10.95	6.92	6.66	6.53	7.82	6.90
Net Debt to NOPAT	22.22	16.07	7.79	4.36	10.01	6.04	5.98	5.87	6.97	6.16
Long-Term Debt to NOPAT	25.63	17.41	8.49	4.81	10.72	6.90	6.34	6.50	7.82	6.71
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,033	-320	762	1,429	404	-426	-631	-359	-449	-242
Operating Cash Flow to CapEx	63,216.67%	30,095.00%	39,958.06%	14,071.05%	11,590.59%	3,030.97%	2,804.38%	6,738.10%	9,221.82%	10,105.00%
Free Cash Flow to Firm to Interest Expense	0.00	-1.20	4.57	8.70	0.00	-2.17	0.00	-2.99	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	4.52	7.44	6.51	0.00	4.14	0.00	4.71	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	4.50	7.42	6.47	0.00	4.00	0.00	4.64	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.26	0.23	0.24	0.23	0.22	0.19	0.23	0.22	0.26	0.27
Fixed Asset Turnover	70.67	33.41	30.65	28.99	27.91	25.88	42.37	51.15	52.25	41.47
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	8,103	6,821	6,215	6,441	6,911	6,894	5,812	4,607	3,777	2,996
Invested Capital Turnover	0.29	0.25	0.26	0.25	0.24	0.20	0.25	0.24	0.29	0.30
Increase / (Decrease) in Invested Capital	1,281	607	-226	-471	17	1,082	1,205	829	782	541
Enterprise Value (EV)	11,194	11,291	10,304	14,181	10,322	12,276	10,805	9,007	6,741	6,254
Market Capitalization	5,686	6,695	6,131	9,999	6,109	8,314	7,372	6,246	4,422	4,408
Book Value per Share	$144.45	$139.55	$125.65	$125.46	$130.46	$125.30	$103.10	$79.53	$57.74	$45.06
Tangible Book Value per Share	$144.45	$139.55	$125.65	$125.46	$130.46	$125.30	$103.10	$79.53	$57.74	$45.06
Total Capital	8,103	6,821	6,215	6,441	6,911	6,894	5,812	4,607	3,777	2,996
Total Debt	6,353	5,068	4,591	4,616	4,609	4,539	3,821	3,071	2,604	2,068
Total Long-Term Debt	6,353	4,980	4,551	4,614	4,513	4,528	3,637	3,057	2,604	2,010
Net Debt	5,508	4,597	4,173	4,182	4,212	3,962	3,433	2,761	2,319	1,846
Capital Expenditures (CapEx)	1.80	4.00	3.10	7.60	8.50	27	25	8.40	5.50	4.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	6,353	5,068	4,591	4,616	4,609	4,539	3,821	3,071	2,604	2,068
Total Depreciation and Amortization (D&A)	28	27	26	26	24	22	20	16	15	14
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$20.12	$22.09	$39.50	$59.57	$23.57	$34.71	$29.52	$24.12	$16.37	$14.35
Adjusted Weighted Average Basic Shares Outstanding	12.32M	12.95M	13.56M	16.09M	17.86M	18.90M	19.45M	19.50M	20.33M	20.89M
Adjusted Diluted Earnings per Share	$19.88	$21.99	$39.32	$59.52	$23.47	$34.57	$29.39	$24.04	$16.31	$14.28
Adjusted Weighted Average Diluted Shares Outstanding	12.47M	13.01M	13.63M	16.10M	17.94M	18.98M	19.53M	19.56M	20.41M	20.98M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$34.71	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	12.03M	12.30M	12.83M	14.11M	16.82M	18.15M	18.78M	19.31M	19.88M	20.13M
Normalized Net Operating Profit after Tax (NOPAT)	248	288	536	958	848	657	617	470	333	300
Normalized NOPAT Margin	11.46%	17.58%	32.16%	56.64%	51.01%	50.86%	48.01%	47.50%	34.34%	36.31%
Pre Tax Income Margin	15.24%	22.48%	42.72%	74.53%	33.06%	66.21%	58.73%	58.98%	54.81%	57.49%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	1.38	4.27	7.68	0.00	4.36	0.00	4.86	0.00	0.00
NOPAT to Interest Expense	0.00	1.07	3.22	5.84	0.00	3.34	0.00	3.91	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	1.36	4.25	7.63	0.00	4.23	0.00	4.79	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	1.06	3.20	5.79	0.00	3.21	0.00	3.84	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	126.38%	70.81%	146.42%	153.58%	114.20%	45.79%	22.49%	26.27%	36.57%	28.86%

This table displays calculated financial ratios and metrics derived from Credit Acceptance's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	9.84%	117.49%	7.60%	-1.23%	4.03%	10.64%	-2.49%	-0.81%	-12.35%	-12.13%	-2.74%
EBITDA Growth	58.93%	61.49%	9.46%	-241.11%	-29.80%	-61.88%	-19.25%	-76.92%	-54.24%	10.85%	-62.15%
EBIT Growth	64.00%	64.86%	10.36%	-298.21%	-31.86%	-63.23%	-20.97%	-80.37%	-55.43%	11.20%	-63.25%
NOPAT Growth	65.32%	62.29%	11.30%	-274.37%	-35.38%	-26.47%	-18.43%	-79.33%	-53.57%	-41.50%	-65.28%
Net Income Growth	65.32%	62.29%	11.30%	-312.16%	-35.38%	-26.47%	-18.43%	-79.33%	-53.57%	-41.50%	-65.28%
EPS Growth	70.47%	69.15%	16.94%	-326.63%	-33.25%	-27.04%	-16.33%	-78.72%	-49.06%	-32.45%	-58.90%
Operating Cash Flow Growth	11.68%	-1.61%	1.37%	-27.84%	4.55%	8.51%	-3.95%	13.31%	-21.16%	118.76%	20.94%
Free Cash Flow Firm Growth	-38.50%	-120.20%	-230.21%	-557.83%	-3,355.60%	-245.26%	-182.25%	-116.43%	-97.51%	-48.69%	-29.88%
Invested Capital Growth	15.87%	18.78%	18.88%	15.52%	12.72%	9.76%	6.86%	2.87%	1.20%	-3.51%	-5.27%
Revenue Q/Q Growth	-49.16%	104.46%	7.10%	-1.32%	0.65%	1.15%	-1.69%	3.93%	7.05%	-10.85%	0.00%
EBITDA Q/Q Growth	-25.25%	75.31%	334.30%	-151.76%	-24.05%	18.82%	202.04%	-74.25%	-58.75%	151.68%	-13.66%
EBIT Q/Q Growth	-26.16%	80.19%	292.59%	-164.00%	-25.77%	20.62%	245.88%	-78.00%	-59.95%	159.30%	-14.07%
NOPAT Q/Q Growth	-30.02%	92.77%	303.57%	-160.20%	-31.30%	32.20%	218.92%	-77.69%	-21.84%	46.66%	-19.18%
Net Income Q/Q Growth	-30.02%	92.77%	267.30%	-173.25%	-31.30%	32.20%	218.92%	-77.69%	-21.84%	46.66%	-19.18%
EPS Q/Q Growth	-29.48%	93.39%	265.80%	-175.39%	-30.03%	33.70%	221.30%	-77.79%	-23.52%	53.31%	-18.26%
Operating Cash Flow Q/Q Growth	13.06%	-3.62%	55.74%	-34.19%	-0.39%	-0.70%	10.86%	-4.65%	3.38%	-12.11%	30.78%
Free Cash Flow Firm Q/Q Growth	7.38%	3.87%	-12.26%	-38.57%	-47.26%	-44.15%	-123.63%	-785.78%	-93.43%	-18.38%	-55.32%
Invested Capital Q/Q Growth	3.87%	2.62%	5.25%	3.27%	6.49%	2.70%	2.28%	0.77%	3.69%	-0.01%	-1.54%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	32.56%	22.14%	25.83%	-11.80%	22.50%	29.82%	25.39%	8.26%	33.35%	86.55%	30.66%
EBIT Margin	31.05%	21.37%	24.25%	-13.49%	20.79%	28.20%	23.65%	6.72%	31.75%	84.86%	29.18%
Profit (Net Income) Margin	23.29%	16.92%	17.95%	-11.49%	15.48%	22.67%	17.35%	5.35%	24.91%	34.12%	20.74%
Tax Burden Percent	75.02%	79.16%	73.99%	85.17%	74.42%	80.41%	73.37%	79.57%	78.47%	78.10%	71.09%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	51.48%	100.00%
Effective Tax Rate	24.98%	20.84%	26.01%	0.00%	25.58%	19.59%	26.63%	20.43%	21.53%	21.90%	28.91%
Return on Invested Capital (ROIC)	6.55%	4.90%	4.14%	-2.22%	3.73%	5.69%	4.31%	1.34%	6.26%	8.98%	5.58%
ROIC Less NNEP Spread (ROIC-NNEP)	6.55%	4.90%	4.14%	-2.38%	3.73%	5.69%	4.31%	1.34%	6.26%	8.98%	5.58%
Return on Net Nonoperating Assets (RNNOA)	23.97%	15.98%	13.84%	-7.70%	11.41%	16.27%	12.52%	3.92%	17.66%	23.98%	14.53%
Return on Equity (ROE)	30.52%	20.89%	17.99%	-9.92%	15.14%	21.96%	16.83%	5.26%	23.92%	32.97%	20.11%
Cash Return on Invested Capital (CROIC)	-11.00%	-13.85%	-14.64%	-11.81%	-8.30%	-4.92%	-1.66%	2.41%	5.38%	12.04%	15.21%
Operating Return on Assets (OROA)	7.88%	5.61%	5.06%	-2.87%	4.50%	6.35%	5.28%	1.52%	7.20%	20.26%	7.11%
Return on Assets (ROA)	5.91%	4.44%	3.74%	-2.45%	3.35%	5.11%	3.87%	1.21%	5.65%	8.15%	5.06%
Return on Common Equity (ROCE)	30.52%	20.89%	17.99%	-9.92%	15.14%	21.96%	16.83%	5.26%	23.92%	32.97%	20.11%
Return on Equity Simple (ROE_SIMPLE)	16.94%	0.00%	11.52%	11.68%	15.19%	0.00%	18.80%	19.22%	24.43%	0.00%	39.40%
Net Operating Profit after Tax (NOPAT)	106	152	79	-39	64	94	71	22	100	127	87
NOPAT Margin	23.29%	16.92%	17.95%	-9.44%	15.48%	22.67%	17.35%	5.35%	24.91%	34.12%	20.74%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.16%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	24.85%	11.09%	22.87%	24.68%	24.65%	21.05%	21.86%	23.25%	24.86%	22.25%	20.69%
Operating Expenses to Revenue	33.48%	64.88%	33.68%	35.29%	34.44%	32.15%	31.12%	32.93%	33.85%	15.14%	27.74%
Earnings before Interest and Taxes (EBIT)	142	192	107	-55	86	116	97	28	127	317	122
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	149	199	113	-48	94	123	104	34	133	323	128
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.63	3.25	3.26	4.01	4.20	3.82	3.47	3.73	3.25	3.78	3.56
Price to Tangible Book Value (P/TBV)	3.63	3.25	3.26	4.01	4.20	3.82	3.47	3.73	3.25	3.78	3.56
Price to Revenue (P/Rev)	2.82	2.63	3.20	3.79	4.20	4.09	3.70	4.06	3.48	3.68	3.30
Price to Earnings (P/E)	21.43	22.94	28.32	34.32	27.63	23.40	18.45	19.42	13.29	11.44	9.04
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	4.67%	4.36%	3.53%	2.91%	3.62%	4.27%	5.42%	5.15%	7.52%	8.74%	11.06%
Enterprise Value to Invested Capital (EV/IC)	1.40	1.38	1.38	1.55	1.65	1.66	1.57	1.67	1.53	1.66	1.59
Enterprise Value to Revenue (EV/Rev)	5.35	5.18	6.50	7.08	7.25	6.90	6.52	6.76	6.11	6.19	5.76
Enterprise Value to EBITDA (EV/EBITDA)	28.61	31.33	38.72	42.91	33.78	28.64	8.92	9.15	8.20	13.98	8.15
Enterprise Value to EBIT (EV/EBIT)	30.66	33.97	42.92	47.80	36.60	30.72	9.12	9.35	8.38	14.48	8.33
Enterprise Value to NOPAT (EV/NOPAT)	40.69	45.16	57.50	64.22	47.73	39.47	32.53	32.33	23.35	19.23	15.80
Enterprise Value to Operating Cash Flow (EV/OCF)	10.05	9.84	9.54	10.24	9.84	9.38	8.82	9.10	8.48	8.32	9.13
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	70.26	28.51	13.53	10.18
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	3.92	3.63	3.80	3.82	3.40	2.89	2.90	2.72	2.74	2.83	2.91
Long-Term Debt to Equity	3.92	3.63	3.79	3.77	3.29	2.84	2.84	2.62	2.65	2.80	2.79
Financial Leverage	3.66	3.26	3.34	3.24	3.06	2.86	2.91	2.92	2.82	2.67	2.61
Leverage Ratio	5.16	4.70	4.80	4.68	4.52	4.30	4.34	4.34	4.23	4.05	3.98
Compound Leverage Factor	5.16	4.70	4.80	4.68	4.52	4.30	4.34	4.34	4.23	2.08	3.98
Debt to Total Capital	79.67%	78.41%	79.15%	79.27%	77.25%	74.29%	74.39%	73.10%	73.26%	73.87%	74.43%
Short-Term Debt to Total Capital	0.02%	0.00%	0.01%	1.12%	2.45%	1.28%	1.67%	2.73%	2.39%	0.64%	3.18%
Long-Term Debt to Total Capital	79.65%	78.41%	79.13%	78.15%	74.81%	73.01%	72.73%	70.36%	70.87%	73.23%	71.25%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	20.33%	21.59%	20.85%	20.73%	22.75%	25.71%	25.61%	26.90%	26.74%	26.13%	25.57%
Debt to EBITDA	16.26	17.78	22.19	21.88	15.83	12.86	4.24	4.00	3.94	6.23	3.81
Net Debt to EBITDA	13.54	15.42	19.65	19.97	14.23	11.66	3.86	3.65	3.53	5.66	3.49
Long-Term Debt to EBITDA	16.26	17.78	22.19	21.57	15.33	12.63	4.14	3.85	3.81	6.17	3.65
Debt to NOPAT	23.13	25.63	32.96	32.75	22.37	17.71	15.45	14.14	11.21	8.57	7.39
Net Debt to NOPAT	19.26	22.22	29.18	29.90	20.10	16.07	14.08	12.91	10.05	7.79	6.76
Long-Term Debt to NOPAT	23.12	25.63	32.95	32.28	21.66	17.41	15.10	13.61	10.85	8.49	7.07
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-1,046	-1,129	-1,175	-1,047	-755	-513	-356	-159	23	353	433
Operating Cash Flow to CapEx	115,400.00%	43,742.86%	79,425.00%	51,000.00%	103,333.33%	18,305.88%	0.00%	18,846.67%	32,944.44%	23,900.00%	36,255.56%
Free Cash Flow to Firm to Interest Expense	-9.12	0.00	-10.57	-10.02	-8.17	-6.51	-5.05	-2.53	0.43	4.11	10.35
Operating Cash Flow to Interest Expense	3.02	0.00	2.86	1.95	3.35	3.95	4.45	4.50	5.45	3.34	7.81
Operating Cash Flow Less CapEx to Interest Expense	3.02	0.00	2.85	1.95	3.35	3.93	4.45	4.48	5.43	3.32	7.78
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.25	0.26	0.21	0.21	0.22	0.23	0.22	0.23	0.23	0.24	0.24
Fixed Asset Turnover	75.58	70.67	53.85	50.27	34.88	33.41	32.07	31.16	30.14	30.65	31.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	8,416	8,103	7,895	7,502	7,264	6,821	6,642	6,494	6,444	6,215	6,215
Invested Capital Turnover	0.28	0.29	0.23	0.24	0.24	0.25	0.25	0.25	0.25	0.26	0.27
Increase / (Decrease) in Invested Capital	1,152	1,281	1,254	1,008	820	607	427	181	76	-226	-346
Enterprise Value (EV)	11,797	11,194	10,903	11,662	11,975	11,291	10,402	10,855	9,828	10,304	9,890
Market Capitalization	6,213	5,686	5,370	6,233	6,931	6,695	5,900	6,521	5,596	6,131	5,660
Book Value per Share	$142.20	$144.45	$135.95	$128.39	$132.38	$139.55	$132.65	$136.09	$134.29	$125.65	$122.99
Tangible Book Value per Share	$142.20	$144.45	$135.95	$128.39	$132.38	$139.55	$132.65	$136.09	$134.29	$125.65	$122.99
Total Capital	8,416	8,103	7,895	7,502	7,264	6,821	6,642	6,494	6,444	6,215	6,215
Total Debt	6,705	6,353	6,249	5,947	5,612	5,068	4,941	4,747	4,721	4,591	4,626
Total Long-Term Debt	6,704	6,353	6,248	5,862	5,434	4,980	4,830	4,569	4,567	4,551	4,428
Net Debt	5,585	5,508	5,533	5,429	5,044	4,597	4,503	4,335	4,233	4,173	4,231
Capital Expenditures (CapEx)	0.30	0.70	0.40	0.40	0.30	1.70	-0.10	1.50	0.90	1.20	0.90
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	8.39	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	6,705	6,353	6,249	5,947	5,612	5,068	4,941	4,747	4,721	4,591	4,626
Total Depreciation and Amortization (D&A)	6.90	6.90	6.90	6.90	7.10	6.70	7.10	6.40	6.40	6.30	6.20
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$8.79	$12.38	$6.42	($3.83)	$5.15	$7.30	$5.47	$1.70	$7.62	$9.96	$6.53
Adjusted Weighted Average Basic Shares Outstanding	12.09M	12.32M	12.27M	12.28M	12.48M	12.95M	12.93M	13.05M	13.06M	13.56M	13.29M
Adjusted Diluted Earnings per Share	$8.66	$12.28	$6.35	($3.83)	$5.08	$7.26	$5.43	$1.69	$7.61	$9.95	$6.49
Adjusted Weighted Average Diluted Shares Outstanding	12.28M	12.47M	12.42M	12.28M	12.65M	13.01M	13.04M	13.10M	13.07M	13.63M	13.36M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.60M	12.03M	12.11M	12.11M	12.11M	12.30M	12.57M	12.82M	12.84M	12.83M	12.92M
Normalized Net Operating Profit after Tax (NOPAT)	107	152	79	-39	64	94	71	22	100	109	87
Normalized NOPAT Margin	23.49%	16.92%	17.95%	-9.44%	15.48%	22.67%	17.35%	5.35%	24.91%	29.24%	20.74%
Pre Tax Income Margin	31.05%	21.37%	24.25%	-13.49%	20.79%	28.20%	23.65%	6.72%	31.75%	43.69%	29.18%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.24	0.00	0.96	-0.53	0.93	1.48	1.37	0.44	2.33	3.69	2.92
NOPAT to Interest Expense	0.93	0.00	0.71	-0.37	0.70	1.19	1.00	0.35	1.83	1.48	2.08
EBIT Less CapEx to Interest Expense	1.23	0.00	0.95	-0.53	0.93	1.46	1.37	0.42	2.31	3.67	2.90
NOPAT Less CapEx to Interest Expense	0.92	0.00	0.71	-0.37	0.69	1.17	1.01	0.33	1.81	1.47	2.06
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	98.86%	126.38%	161.13%	237.78%	150.98%	70.81%	79.52%	46.01%	89.41%	146.42%	168.84%

Frequently Asked Questions About Credit Acceptance's Financials

When does Credit Acceptance's fiscal year end?

According to the most recent income statement we have on file, Credit Acceptance's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Credit Acceptance's net income changed over the last 9 years?

In the past 9 years, Credit Acceptance's net income has ranged from $247.90 million in 2024 to $958.30 million in 2021, and is currently $247.90 million as of their latest financial filing in 2024. See where experts think Credit Acceptance is headed by visiting Credit Acceptance's forecast page.

How has Credit Acceptance revenue changed over the last 9 years?

Over the last 9 years, Credit Acceptance's total revenue changed from $825.30 million in 2015 to $2.16 billion in 2024, a change of 162.0%.

How much debt does Credit Acceptance have?

Credit Acceptance's total liabilities were at $7.11 billion at the end of 2024, a 21.3% increase from 2023, and a 190.7% increase since 2015.

How much cash does Credit Acceptance have?

In the past 9 years, Credit Acceptance's cash and equivalents has ranged from $6.30 million in 2015 to $343.70 million in 2024, and is currently $343.70 million as of their latest financial filing in 2024.

How has Credit Acceptance's book value per share changed over the last 9 years?

Over the last 9 years, Credit Acceptance's book value per share changed from 45.06 in 2015 to 144.45 in 2024, a change of 220.6%.

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This page (NASDAQ:CACC) was last updated on 5/21/2025 by MarketBeat.com Staff

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Credit Acceptance (CACC) Financials

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Credit Acceptance (CACC) Financials

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