Credit Acceptance Corporation
CACC Financial Credit Services
Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 71.8%, free cash flow grew 120.9% and total debt fell 2.86%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
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An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue |
969.20 | 1,110.00 | 1,285.80 | 1,489.00 | 1,669.30 | 1,856.00 | 260.50 | 1,901.90 | 2,162.40 | 2,317.20 |
Revenue Growth |
17.44% | 14.53% | 15.84% | 15.80% | 12.11% | 11.18% | (85.96%) | 630.10% | 13.70% | 7.16% |
Gross Profit |
969.20 | 1,110.00 | 1,285.80 | 1,489.00 | 1,669.30 | 1,856.00 | 260.50 | 1,901.90 | 2,162.40 | 2,317.20 |
SG&A Expenses |
224.10 | 254.00 | 291.20 | 328.60 | 325.60 | 383.70 | 42.40 | 459.10 | 501.50 | 599.90 |
Operating Income |
654.90 | 726.70 | 937.70 | 1,084.00 | 786.80 | 1,463.90 | 139.60 | 706.60 | 846.20 | 1,101.20 |
Non-operating Income/Expense |
(123.70) | (142.90) | (182.60) | (228.10) | (237.30) | (203.00) | (177.70) | (339.00) | (516.70) | (535.80) |
Non-operating Interest Expenses |
97.70 | 120.20 | 156.60 | 196.20 | 192.00 | 164.20 | 153.00 | 266.50 | 419.50 | 462.90 |
| 531.20 | 583.80 | 755.10 | 855.90 | 549.50 | 1,260.90 | (38.10) | 367.60 | 329.50 | 565.40 | |
Income Tax Provision |
198.40 | 113.60 | 181.10 | 199.80 | 128.50 | 302.60 | 0.10 | 81.50 | 81.60 | 141.50 |
Income after Tax |
332.80 | 470.20 | 574.00 | 656.10 | 421.00 | 958.30 | (38.20) | 286.10 | 247.90 | 423.90 |
Dividends (Preferred) |
0.00 | 0.00 | — | 0.00 | — | 0.00 | 0.00 | — | — | 0.00 |
Net Income Common |
332.80 | 470.20 | 574.00 | 656.10 | 421.00 | 958.30 | (38.20) | 286.10 | 247.90 | 423.90 |
EPS (Basic) |
16.37 | 24.12 | 29.52 | 34.71 | 23.57 | 59.57 | 60.62 | 22.09 | 20.12 | 37.14 |
EPS (Diluted) |
16.31 | 24.04 | 29.39 | 34.57 | 23.47 | 59.52 | 70.55 | 21.99 | 19.88 | 36.50 |
Shares (Basic, Weighted) |
20.33 | 19.50 | 19.45 | 18.90 | 17.86 | 16.09 | (0.63) | 12.95 | 12.32 | 11.45 |
Shares (Diluted, Weighted) |
20.41 | 19.56 | 19.53 | 18.98 | 17.94 | 16.10 | (0.54) | 13.01 | 12.47 | 11.65 |
Gross Margin |
100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
EBIT Margin |
67.57% | 65.47% | 72.93% | 72.80% | 47.13% | 78.87% | 53.59% | 37.15% | 39.13% | 47.52% |
EBT margin |
54.81% | 52.59% | 58.73% | 57.48% | 32.92% | 67.94% | (14.63%) | 19.33% | 15.24% | 24.40% |
Net Profit Margin |
34.34% | 42.36% | 44.64% | 44.06% | 25.22% | 51.63% | (14.66%) | 15.04% | 11.46% | 18.29% |
Free Cash Flow Margin |
51.76% | 50.23% | 52.79% | 52.75% | 58.51% | 57.21% | 474.32% | 63.08% | 52.69% | 45.44% |
EBITDA |
670.20 | 743.10 | 957.20 | 1,106.40 | 810.60 | 1,490.20 | 165.20 | 733.20 | 874.00 | 1,127.80 |
EBIT |
654.90 | 726.70 | 937.70 | 1,084.00 | 786.80 | 1,463.90 | 139.60 | 706.60 | 846.20 | 1,101.20 |
Income from Continuous Operations |
332.80 | 470.20 | 574.00 | 656.10 | 421.00 | 958.30 | (38.20) | 286.10 | 247.90 | 423.90 |
Consolidated Net Income/Loss |
332.80 | 470.20 | 574.00 | 656.10 | 421.00 | 958.30 | (38.20) | 286.10 | 247.90 | 423.90 |
EPS (Basic, from Continuous Ops) |
16.37 | 24.12 | 29.52 | 34.71 | 23.57 | 59.57 | 60.62 | 22.09 | 20.12 | 37.02 |
EPS (Basic, Consolidated) |
16.37 | 24.12 | 29.52 | 34.71 | 23.57 | 59.57 | 60.62 | 22.09 | 20.12 | 37.02 |
EPS (Diluted, from Cont. Ops) |
16.31 | 24.04 | 29.39 | 34.57 | 23.47 | 59.52 | 70.55 | 21.99 | 19.88 | 36.38 |
Shares (Diluted, Average) |
20.41 | 19.56 | 19.53 | 18.98 | 17.94 | 16.10 | 13.63 | 13.01 | 12.47 | 11.41 |
EPS (Diluted, Consolidated) |
16.31 | 24.04 | 29.39 | 34.57 | 23.47 | 59.52 | 70.55 | 21.99 | 19.88 | 36.38 |
EBITDA Margin |
69.15% | 66.95% | 74.44% | 74.30% | 48.56% | 80.29% | 63.42% | 38.55% | 40.42% | 48.67% |
Operating Cash Flow Margin |
52.33% | 50.99% | 54.74% | 54.55% | 59.02% | 57.62% | 475.51% | 63.29% | 52.62% | 45.51% |