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Credit Acceptance (CACC) Financials

Credit Acceptance logo
$525.67 +18.67 (+3.68%)
Closing price 05/5/2026 04:00 PM Eastern
Extended Trading
$514.31 -11.36 (-2.16%)
As of 05/5/2026 07:31 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Credit Acceptance

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 300 333 470 574 656 421 958 536 286 248 424
Consolidated Net Income / (Loss)		 300 333 470 574 656 421 958 536 286 248 424
Net Income / (Loss) Continuing Operations		 300 333 470 574 656 421 958 536 286 248 424
Total Pre-Tax Income 		475 531 584 755 856 550 1,261 712 368 330 565
Total Revenue		 825 969 990 1,286 1,293 1,662 1,692 1,666 1,635 1,743 1,854
Net Interest Income / (Expense)		 0.00 0.00 -120 0.00 -196 0.00 -164 -167 -267 -420 -463
Total Interest Income		 0.00 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 0.00 120 0.00 196 0.00 164 167 267 420 463
Long-Term Debt Interest Expense		 - - 120 - 196 - 164 167 267 420 463
Total Non-Interest Income		 825 969 1,110 1,286 1,489 1,662 1,856 1,832 1,902 2,162 2,317
Service Charges on Deposit Accounts		 731 874 1,012 1,177 1,369 1,562 1,743 1,686 1,755 1,993 2,142
Other Service Charges		 47 52 57 62 69 50 53 83 67 74 80
Premiums Earned		 48 43 41 47 51 57 60 63 80 96 96
Provision for Credit Losses		 - - 129 - 76 - 8.40 481 736 815 616
Total Non-Interest Expense		 351 438 277 531 361 1,112 423 473 532 599 673
Salaries and Employee Benefits		 116 127 140 168 193 187 218 262 280 309 337
Marketing Expense		 46 49 58 68 70 70 65 76 92 94 101
Property & Liability Insurance Claims		 33 26 23 26 30 38 39 46 71 74 72
Other Operating Expenses		 155 236 56 212 65 262 100 89 87 122 161
Other Special Charges		 - - - 57 1.80 557 0.00 0.00 1.80 0.00 1.20
Income Tax Expense		 175 198 114 181 200 129 303 176 82 82 142
Basic Earnings per Share		 $14.35 $16.37 $24.12 $29.52 $34.71 $23.57 $59.57 $39.50 $22.09 $20.12 $37.02
Weighted Average Basic Shares Outstanding		 20.89M 20.33M 19.50M 19.45M 18.90M 17.86M 16.09M 13.56M 12.95M 12.32M 11.45M
Diluted Earnings per Share		 $14.28 $16.31 $24.04 $29.39 $34.57 $23.47 $59.52 $39.32 $21.99 $19.88 $36.38
Weighted Average Diluted Shares Outstanding		 20.98M 20.41M 19.56M 19.53M 18.98M 17.94M 16.10M 13.63M 13.01M 12.47M 11.65M
Weighted Average Basic & Diluted Shares Outstanding		 20.90M 20.30M 19.50M 19.40M 18.15M 16.82M 14.11M 12.83M 12.30M 12.03M 10.75M

Quarterly Income Statements for Credit Acceptance

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 22 71 94 64 -47 79 152 106 87 108 122
Consolidated Net Income / (Loss)		 22 71 94 64 -47 79 152 106 87 108 122
Net Income / (Loss) Continuing Operations		 22 71 94 64 -47 79 152 106 87 108 122
Total Pre-Tax Income 		28 97 116 86 -55 107 192 142 118 149 157
Total Revenue		 415 408 413 416 410 439 898 456 466 466 466
Net Interest Income / (Expense)		 -63 -71 -79 -93 -105 -111 308 -115 -118 -116 -114
Total Interest Expense		 63 71 79 93 105 111 -308 115 118 116 114
Long-Term Debt Interest Expense		 63 71 79 93 105 111 - 115 118 116 114
Total Non-Interest Income		 478 479 492 508 515 550 590 571 584 582 580
Service Charges on Deposit Accounts		 441 442 - 469 498 508 518 527 541 539 535
Other Service Charges		 17 16 18 17 16 18 23 21 19 19 21
Premiums Earned		 20 21 22 22 24 25 25 24 24 24 24
Provision for Credit Losses		 251 185 164 186 321 185 123 162 173 152 130
Total Non-Interest Expense		 137 127 133 143 145 148 583 153 175 165 180
Salaries and Employee Benefits		 70 67 66 79 76 77 78 89 84 86 79
Marketing Expense		 26 23 21 24 25 23 22 25 27 25 25
Property & Liability Insurance Claims		 20 17 17 17 20 19 18 16 20 19 17
Other Operating Expenses		 21 21 27 24 23 29 465 22 45 36 58
Income Tax Expense		 5.70 26 23 22 -8.20 28 40 35 30 41 35
Basic Earnings per Share		 $1.70 $5.47 $7.30 $5.15 ($3.83) $6.42 $12.38 $8.79 $7.55 $9.62 $11.06
Weighted Average Basic Shares Outstanding		 13.05M 12.93M 12.95M 12.48M 12.28M 12.27M 12.32M 12.09M 11.57M 11.25M 11.45M
Diluted Earnings per Share		 $1.69 $5.43 $7.26 $5.08 ($3.83) $6.35 $12.28 $8.66 $7.42 $9.43 $10.87
Weighted Average Diluted Shares Outstanding		 13.10M 13.04M 13.01M 12.65M 12.28M 12.42M 12.47M 12.28M 11.77M 11.47M 11.65M
Weighted Average Basic & Diluted Shares Outstanding		 12.82M 12.57M 12.30M 12.11M 12.11M 12.11M 12.03M 11.60M 11.24M 11.03M 10.75M

Annual Cash Flow Statements for Credit Acceptance

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -0.10 66 25 66 188 -122 38 -17 53 374 -344
Net Cash From Operating Activities		 404 507 566 704 812 985 1,069 1,239 1,204 1,138 1,055
Net Cash From Continuing Operating Activities		 404 507 566 704 812 985 1,069 1,239 1,204 1,138 1,055
Net Income / (Loss) Continuing Operations		 300 333 470 574 656 421 958 536 286 248 424
Consolidated Net Income / (Loss)		 300 333 470 574 656 421 958 536 286 248 424
Provision For Loan Losses		 42 90 129 57 76 557 8.40 481 736 815 616
Depreciation Expense		 5.70 6.10 6.00 5.40 7.30 8.80 9.70 9.00 8.90 6.70 3.60
Amortization Expense		 8.50 9.20 10 14 15 15 17 17 18 21 23
Non-Cash Adjustments to Reconcile Net Income		 13 7.50 16 10 9.20 13 24 37 42 70 52
Changes in Operating Assets and Liabilities, net		 36 61 -65 43 48 -29 52 159 113 -22 -64
Net Cash From Investing Activities		 -640 -878 -872 -1,238 -1,024 -674 437 -461 -1,417 -1,721 -674
Net Cash From Continuing Investing Activities		 -640 -878 -872 -1,238 -1,024 -674 437 -461 -1,417 -1,721 -674
Purchase of Property, Leasehold Improvements and Equipment		 -4.00 -5.50 -8.40 -25 -27 -8.50 -7.60 -3.10 -4.00 -1.80 -1.60
Purchase of Investment Securities		 -406 -793 -939 -1,225 -1,388 -1,477 -1,148 -1,145 -1,257 -1,099 -1,135
Sale and/or Maturity of Investments		 1,778 1,998 2,223 2,608 3,012 3,208 3,849 3,449 3,061 49 46
Other Investing Activities, net		 -2,008 -2,077 -2,147 -2,596 -2,622 -2,396 -2,257 -2,761 -3,217 -670 416
Net Cash From Financing Activities		 235 437 330 600 400 -433 -1,469 -795 266 957 -725
Net Cash From Continuing Financing Activities		 235 437 330 600 400 -433 -1,469 -795 266 957 -725
Issuance of Debt		 3,152 3,785 5,892 4,959 7,043 8,176 3,393 8,165 10,794 9,745 4,023
Issuance of Common Equity		 - - - - - 0.00 12 15 5.20 16 24
Repayment of Debt		 -2,831 -3,258 -5,435 -4,230 -6,342 -8,128 -3,401 -8,206 -10,337 -8,473 -4,047
Repurchase of Common Equity		 -87 -122 -124 -129 -300 -481 -1,472 -785 -203 -313 -725
Other Financing Activities, Net		 0.70 32 -2.50 - -0.60 -0.80 -0.80 16 6.40 -17 1.00
Cash Interest Paid		 62 88 109 141 176 192 149 147 242 393 438
Cash Income Taxes Paid		 147 111 175 169 172 142 213 73 32 104 279

Quarterly Cash Flow Statements for Credit Acceptance

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -76 26 33 97 -50 199 129 276 -557 -65 1.90
Net Cash From Operating Activities		 283 313 311 310 204 318 306 346 140 299 269
Net Cash From Continuing Operating Activities		 283 313 311 310 204 318 306 346 140 299 269
Net Income / (Loss) Continuing Operations		 22 71 94 64 -47 79 152 106 87 108 122
Consolidated Net Income / (Loss)		 22 71 94 64 -47 79 152 106 87 108 122
Provision For Loan Losses		 251 185 164 186 321 185 123 162 173 152 130
Depreciation Expense		 2.20 2.20 2.30 2.20 2.00 1.30 1.20 1.20 0.90 0.80 0.70
Amortization Expense		 4.20 4.90 4.40 4.90 4.90 5.60 5.70 5.70 5.90 6.00 5.40
Non-Cash Adjustments to Reconcile Net Income		 7.50 23 -23 43 23 24 -20 16 -2.30 4.10 34
Changes in Operating Assets and Liabilities, net		 -3.90 28 70 9.40 -99 23 44 55 -125 28 -22
Net Cash From Investing Activities		 -368 -360 -345 -584 -526 -424 -187 -292 -194 -128 -61
Net Cash From Continuing Investing Activities		 -368 -360 -345 -584 -526 -424 -187 -292 -194 -128 -61
Purchase of Property, Leasehold Improvements and Equipment		 -1.50 0.10 -1.70 -0.30 -0.40 -0.40 -0.70 -0.30 -0.30 -0.60 -0.40
Purchase of Investment Securities		 -341 -304 -252 -329 -291 -265 -214 -287 -325 -285 -238
Sale and/or Maturity of Investments		 774 -1,585 3,041 835 799 -1,598 3,222 8.80 1,767 862 -2,593
Other Investing Activities, net		 -799 1,529 -3,132 -1,089 -1,034 1,439 -3,195 -13 -1,636 -704 2,770
Net Cash From Financing Activities		 9.00 73 66 371 272 305 9.70 221 -502 -237 -207
Net Cash From Continuing Financing Activities		 9.00 73 66 371 272 305 9.70 221 -502 -237 -207
Issuance of Debt		 2,587 2,823 3,261 3,105 3,651 2,098 892 1,160 32 809 2,023
Issuance of Common Equity		 - 0.30 0.80 15 - - 1.00 5.60 5.50 11 1.50
Repayment of Debt		 -2,567 -2,633 -3,140 -2,565 -3,314 -1,801 -793 -814 -273 -916 -2,043
Repurchase of Common Equity		 -7.80 -126 -54 -191 -61 - -61 -164 -262 -107 -191
Other Financing Activities, Net		 -3.60 9.10 -1.70 7.60 -4.10 8.00 -29 34 -4.20 -33 3.60
Cash Interest Paid		 57 65 69 78 105 97 113 100 118 106 115
Cash Income Taxes Paid		 15 1.40 12 5.20 96 0.80 1.70 6.50 177 49 47

Annual Balance Sheets for Credit Acceptance

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,373 4,218 4,986 6,237 7,423 7,489 7,051 6,905 7,610 8,855 8,632
Cash and Due from Banks		 6.30 15 8.20 26 187 16 23 7.70 13 344 23
Restricted Cash		 216 270 302 362 390 380 411 410 458 501 478
Trading Account Securities		 - - - - - 66 62 72 93 106 106
Loans and Leases, Net of Allowance		 3,102 3,887 4,620 5,763 6,685 6,788 6,336 6,298 -3,065 -3,439 -3,602
Allowance for Loan and Lease Losses		 244 320 429 462 536 3,337 3,014 2,868 3,065 3,439 3,602
Premises and Equipment, Net		 19 18 21 40 60 59 57 51 47 15 13
Other Assets		 30 29 36 46 101 179 161 66 10,064 11,327 11,615
Total Liabilities & Shareholders' Equity		 3,373 4,218 4,986 6,237 7,423 7,489 7,051 6,905 7,610 8,855 8,632
Total Liabilities		 2,445 3,044 3,450 4,247 5,068 5,187 5,227 5,281 5,857 7,105 7,108
Short-Term Debt		 58 0.00 14 184 11 96 2.60 40 88 0.10 107
Other Short-Term Payables		 128 144 152 186 206 - - 261 319 316 400
Long-Term Debt		 2,010 2,604 3,057 3,637 4,528 4,513 4,614 4,551 4,980 6,353 6,247
Other Long-Term Liabilities		 249 297 227 239 323 578 610 429 470 436 354
Total Equity & Noncontrolling Interests		 928 1,174 1,536 1,991 2,355 2,303 1,824 1,624 1,754 1,750 1,524
Total Preferred & Common Equity		 928 1,174 1,536 1,991 2,355 2,303 1,824 1,624 1,754 1,750 1,524
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 928 1,174 1,536 1,991 2,355 2,303 1,824 1,624 1,754 1,750 1,524
Common Stock		 101 132 146 155 158 162 197 246 279 335 403
Retained Earnings		 827 1,042 1,390 1,836 2,197 2,139 1,627 1,381 1,476 1,415 1,119
Accumulated Other Comprehensive Income / (Loss)		 -0.10 -0.20 -0.20 -0.30 0.80 1.60 0.20 -2.90 -1.00 -0.30 1.00

Quarterly Balance Sheets for Credit Acceptance

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 6,892 7,155 7,206 7,397 8,097 8,255 8,683 9,258 8,725 8,641
Cash and Due from Banks		 11 8.10 3.20 3.10 8.40 8.30 160 529 70 16
Restricted Cash		 385 480 409 435 559 509 557 592 494 483
Trading Account Securities		 68 76 81 86 100 106 114 109 107 109
Loans and Leases, Net of Allowance		 6,312 6,500 6,610 6,781 7,346 7,548 -3,416 -3,499 -3,561 -3,588
Allowance for Loan and Lease Losses		 2,875 2,884 2,989 3,032 3,138 3,337 3,416 3,499 3,561 3,588
Premises and Equipment, Net		 52 50 49 47 45 16 15 14 13 13
Other Assets		 65 40 52 45 39 68 11,254 11,513 11,602 11,608
Total Liabilities & Shareholders' Equity		 6,892 7,155 7,206 7,397 8,097 8,255 8,683 9,258 8,725 8,641
Total Liabilities		 5,303 5,432 5,459 5,696 6,445 6,701 7,037 7,547 7,170 7,062
Short-Term Debt		 198 154 178 111 178 84 1.00 1.40 1.50 149
Long-Term Debt		 4,428 4,567 4,569 4,830 5,434 5,862 6,248 6,704 6,470 6,220
Other Long-Term Liabilities		 677 711 712 755 833 754 788 842 699 693
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,589 1,723 1,747 1,701 1,652 1,555 1,647 1,711 1,555 1,579
Total Preferred & Common Equity		 1,589 1,723 1,747 1,701 1,652 1,555 1,647 1,711 1,555 1,579
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		 1,589 1,723 1,747 1,701 1,652 1,555 1,647 1,711 1,555 1,579
Common Stock		 236 252 262 271 304 314 325 352 369 392
Retained Earnings		 1,357 1,473 1,488 1,432 1,350 1,242 1,321 1,359 1,184 1,185
Accumulated Other Comprehensive Income / (Loss)		 -3.40 -2.10 -2.70 -2.90 -1.20 -1.20 0.90 0.60 1.00 1.10

Annual Metrics And Ratios for Credit Acceptance

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $14.35 $16.37 $24.12 $29.52 $34.71 $23.57 $59.57 $39.50 $22.09 $20.12 $37.02
Adjusted Weighted Average Basic Shares Outstanding		 20.89M 20.33M 19.50M 19.45M 18.90M 17.86M 16.09M 13.56M 12.95M 12.32M 11.45M
Adjusted Diluted Earnings per Share		 $14.28 $16.31 $24.04 $29.39 $34.57 $23.47 $59.52 $39.32 $21.99 $19.88 $36.38
Adjusted Weighted Average Diluted Shares Outstanding		 20.98M 20.41M 19.56M 19.53M 18.98M 17.94M 16.10M 13.63M 13.01M 12.47M 11.65M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $34.71 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.13M 19.88M 19.31M 18.78M 18.15M 16.82M 14.11M 12.83M 12.30M 12.03M 10.75M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Credit Acceptance

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

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.70 $5.47 $7.30 $5.15 ($3.83) $6.42 $12.38 $8.79 $7.55 $9.62 $11.06
Adjusted Weighted Average Basic Shares Outstanding		 13.05M 12.93M 12.95M 12.48M 12.28M 12.27M 12.32M 12.09M 11.57M 11.25M 11.45M
Adjusted Diluted Earnings per Share		 $1.69 $5.43 $7.26 $5.08 ($3.83) $6.35 $12.28 $8.66 $7.42 $9.43 $10.87
Adjusted Weighted Average Diluted Shares Outstanding		 13.10M 13.04M 13.01M 12.65M 12.28M 12.42M 12.47M 12.28M 11.77M 11.47M 11.65M
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		 12.82M 12.57M 12.30M 12.11M 12.11M 12.11M 12.03M 11.60M 11.24M 11.03M 10.75M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Financials Breakdown Chart

Key Financial Trends

Here are the key takeaways from Credit Acceptance Corp (CACC) based on the most recent quarterly data and the last few years of statements. The focus is on trends over the last four years using the provided quarterly figures.

  • Strong quarterly net income and profit per share in late 2025. In Q4 2025, net income from continuing operations was 122,000,000 with basic EPS of 11.06 and diluted EPS of 10.87, marking an uptick versus the prior quarter (Q3 2025: net income 108,200,000; EPS 9.62/9.43).
  • Non-interest income remains a core driver of revenue. Total non-interest income consistently sits around the high 500 millions (Q2–Q4 2025: 571–583 million range; Q4 2025: 579,900,000), contributing to stable total revenue despite interest-related volatility.
  • Operating cash flow from continuing operations remains robust. 2025 quarterly figures show strong cash generation from operations (Q4 2025: 269,300,000; Q3 2025: 299,400,000; Q2 2025: 139,700,000; Q1 2025: 346,200,000).
  • New debt issuance in Q4 2025 increases liquidity. Issuance of debt in Q4 2025 totaled about 2.023 billion, providing liquidity for investing and financing needs.
  • Profitability trend shows improvement within 2025 quarters. EPS increased from Q1 2025 through Q4 2025 (Q1 8.79/7.62, Q2 7.42/7.55, Q3 9.43/9.62, Q4 11.06/10.87), indicating a strengthening earnings base despite other pressures.
  • Balance sheet looks asset-heavy with a stable leverage profile. Total assets range roughly from 8.6 to 9.3+ billion across 2025–2024, with total liabilities about 7.0–7.6 billion and total equity around 1.5–1.7 billion, suggesting a leveraged but steady capitalization structure.
  • Top-line revenue remains relatively stable in the 450–470 million range in 2025. For Q3–Q4 2025, Total Revenue sits around 466 million, with Q4 2025 at 466.1 million, indicating a steady topline before credit-related adjustments.
  • Provision for credit losses is elevated in several 2025 quarters. 2025 quarterly provisions include Q2 172.6 million, Q3 152.0 million, Q1 161.9 million, with prior periods showing elevated levels as well, which compress pretax income.
  • Cash flow from financing activities remains a recurring cash outflow. Net cash from financing activities in 2025 quarters is negative (ranging roughly from -206 million to -502 million), reflecting ongoing debt repayments and equity activity.
  • Investing activities show ongoing cash outflows tied to investment securities and other investing activities. Net cash from continuing investing activities was negative in all 2025 quarters (Q4 -60.9M, Q3 -127.6M, Q2 -194.2M, Q1 -291.6M), indicating steady deployment of cash into investments.
05/06/26 12:29 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Credit Acceptance's Financials

When does Credit Acceptance's financial year end?

According to the most recent income statement we have on file, Credit Acceptance's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Credit Acceptance's net income changed over the last 10 years?
The last 5 years of Credit Acceptance's net income performance:
  • 2021: $958.30 million
  • 2022: $535.80 million
  • 2023: $286.10 million
  • 2024: $247.90 million
  • 2025: $423.90 million
Find out what analysts predict for Credit Acceptance in the coming months.
How has Credit Acceptance's revenue changed over the last 10 years?

Over the last 10 years, Credit Acceptance's total revenue changed from $825.30 million in 2015 to $1.85 billion in 2025, a change of 124.7%.

How much debt does Credit Acceptance have?

Credit Acceptance's total liabilities were at $7.11 billion at the end of 2025, a 0.0% increase from 2024, and a 190.8% increase since 2015.

How much cash does Credit Acceptance have?

In the past 10 years, Credit Acceptance's cash and equivalents has ranged from $6.30 million in 2015 to $343.70 million in 2024, and is currently $22.80 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:CACC last updated on 2/17/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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Iran's New Leader Just Said Something That Should Terrify Every American
Iran's Supreme Leader has declared the Strait of Hormuz closed as leverage against the U.S. - and with 40% of ...
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Satellite Images Spot Potential $10 Trillion Discovery
'Dark Energy': Elon Musk's Next Potential $10 Trillion Move A highly secure site in West Texas now houses a...
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PH: Do THESE 4 things to your bank account now …
In a few short months, the US government could gain unprecedented powers over personal bank accounts - includi...
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A U.S. Resource Gap Is a National Issue - and Opportunity
America still does not domestically produce one mineral tied to batteries, energy storage, and national defens...
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SpaceX's IPO Will Rebalance Your Retirement Account
When the SpaceX IPO hits, trillions of dollars inside the financial system will move. Fund managers liquidate,...
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Did you miss The Dark AI Summit?
Over 55,000 people attended Jeff Brown's Dark AI Summit, where he revealed a private AI company he believes ho...
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