Saturday 17 October 2026 Export CACC’s income statement to Excel — free account

Credit Acceptance Corporation

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.

545.29 6.26 −1.13%

Follow CACC

Alert me

Market cap: $5.7B
P/E: 11.7×
Fwd P/E: 10.5×
Dividend yield: —
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	13.21	13.61	12.93	12.74	14.53	11.53	11.67	24.42	23.32	11.94
Piotroski F-Score Full definition →	5	6	6	5	6	7	3	5	6	7
P/S ratio Full definition →	4.54	5.77	5.77	5.61	3.70	5.96	0.00	3.68	2.68	2.19
P/FCF ratio Full definition →	8.77	11.49	10.94	10.64	6.33	10.42	0.00	5.83	5.08	4.82
P/Operating CF Full definition →	30.61	42.32	36.59	40.92	30.57	84.38	(1.00)	22.48	18.89	18.86
P/B ratio Full definition →	3.75	4.17	3.73	3.55	2.68	6.06	0.00	3.99	3.31	3.33
Price to Tangible BV Full definition →	3.75	4.17	3.73	3.55	2.68	6.06	0.00	3.99	3.31	3.33
EV/Sales Full definition →	7.02	8.26	8.44	9.30	6.19	8.18	14.64	6.05	5.17	4.67
EV/EBITDA Full definition →	10.15	12.34	11.34	12.52	12.74	10.19	23.08	15.68	12.80	9.60
EV/Operating CF Full definition →	13.41	16.20	15.42	17.05	10.48	14.20	3.08	9.55	9.83	10.26
EV/FCF Full definition →	13.56	16.44	15.99	17.63	10.57	14.30	3.09	9.58	9.82	10.28
Quick Ratio Full definition →	1.71	1.52	1.10	3.11	2.15	3.41	1.70	1.19	2.21	1.33
Current Ratio Full definition →	24.92	24.00	17.07	35.47	26.16	39.04	23.10	15.71	20.33	16.91
Net Debt/EBITDA Full definition →	4.58	3.72	3.59	4.96	5.12	2.76	24.82	6.14	6.18	5.10
Debt/Assets Full definition →	79.51%	61.59%	61.26%	81.75%	61.54%	65.47%	66.49%	66.59%	71.75%	73.61%
Debt/Equity Full definition →	2.86	2.00	1.92	2.58	2.00	2.53	2.83	2.89	3.63	4.17
Asset Turnover Full definition →	0.26	0.24	0.23	0.22	0.22	0.26	0.04	0.26	0.26	0.27
Operating CF/Net income Full definition →	1.52	1.20	1.23	1.24	2.34	1.12	(32.43)	4.21	4.59	2.49
Capex/Depreciation Full definition →	(0.36)	(0.51)	(1.29)	(1.20)	(0.36)	(0.29)	(0.12)	(0.15)	0.05	(0.06)
Interest Coverage Full definition →	6.70	6.05	5.99	5.53	4.10	8.92	0.91	2.65	2.02	2.38
ROE Full definition →	31.67%	34.71%	32.55%	30.19%	18.08%	46.44%	(2.22%)	16.94%	14.15%	25.90%
ROA Full definition →	8.77%	10.22%	10.23%	9.61%	5.65%	13.18%	(0.55%)	3.94%	3.01%	4.85%
ROIC Full definition →	9.65%	10.57%	10.81%	8.63%	7.63%	15.39%	1.52%	7.06%	7.40%	9.47%
Return on Tangible Assets Full definition →	8.27%	9.91%	9.83%	9.14%	5.87%	14.05%	(0.58%)	4.03%	2.96%	5.24%
Average Days of Receivables Full definition →	0.87	0.72	2.24	16.23	32.14	21.48	12.19	0.83	0.71	10.59
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	23.12%	22.88%	22.65%	22.07%	19.51%	20.67%	16.28%	24.14%	23.19%	25.89%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.76%	1.39%	0.80%	0.51%	0.37%	1.34%	14.01%	2.06%	2.08%	2.19%
Graham Net Nets Full definition →	0.26	0.23	0.26	0.27	0.36	0.16	(5.27)	0.24	0.29	0.29
Graham Number Full definition →	145.86	206.84	260.77	311.97	262.92	390.10	0.00	259.58	253.58	333.44
Earnings Yield Full definition →	7.57%	7.35%	7.73%	7.85%	6.88%	8.67%	8.57%	4.10%	4.29%	8.38%
Free Cash Flow Yield Full definition →	11.41%	8.70%	9.14%	9.40%	15.80%	9.60%	(429.51%)	17.15%	19.69%	20.74%
Revenue per Share Full definition →	47.67	56.93	66.12	78.78	93.47	115.38	(413.36)	146.83	175.47	202.35
Operating CF per Share Full definition →	24.95	29.03	36.20	42.98	55.17	66.48	(1,965.57)	92.93	92.34	92.09
Capex per Share Full definition →	(0.27)	(0.43)	(1.29)	(1.42)	(0.48)	(0.47)	4.92	(0.31)	0.11	(0.14)
Free Cash Flow per Share Full definition →	24.68	28.60	34.91	41.56	54.69	66.01	(1,960.65)	92.62	92.45	91.95
Cash per Share Full definition →	14.00	15.89	19.95	30.53	25.89	30.85	(777.53)	43.55	77.20	53.00
Shareholders Equity per Share Full definition →	57.73	78.77	102.38	124.62	128.93	113.40	(2,576.96)	135.39	141.98	133.05
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	(0.01)	0.00	0.00	0.00
Book value per Share Full definition →	57.73	78.77	102.38	124.62	128.93	113.40	(2,576.96)	135.39	141.98	133.05
Free Cash Flow Full definition →	501.70	557.60	678.80	785.50	976.70	1,061.80	1,235.60	1,199.80	1,139.30	1,053.00
Working Capital Full definition →	4,006.00	4,726.20	5,798.30	7,121.80	7,114.40	6,764.00	6,502.20	7,044.70	8,372.80	8,075.80
Capital Expenditures Full definition →	(5.50)	(8.40)	(25.10)	(26.80)	(8.50)	(7.60)	(3.10)	(4.00)	1.40	(1.60)
Net Current Asset Value Full definition →	1,129.20	1,481.90	1,912.60	2,260.50	2,210.70	1,715.10	1,515.70	1,667.20	1,700.90	1,475.20
EV/EBIT Full definition →	10.39	12.62	11.58	12.78	13.13	10.37	27.31	16.27	13.22	9.83
Capex to Sales Full definition →	0.01	0.01	0.02	0.02	0.01	0.00	0.01	0.00	0.00	0.00
Price to Operating Income Full definition →	6.72	8.82	7.92	7.71	7.86	7.56	0.00	9.90	6.84	4.61
Other line items
Depreciation/Fixed assets Full definition →	0.84	0.80	0.49	0.38	0.40	0.46	0.50	0.57	1.89	2.11
Cash ROIC Full definition →	10.43%	11.34%	10.95%	8.73%	13.25%	15.31%	18.43%	16.25%	12.58%	12.41%
Accounts Receivable Turnover Full definition →	157.59	493.33	254.61	40.19	15.66	14.49	4.42	292.60	508.80	64.91
Accounts Payable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	6.15	2.25	5.05	37.05	106.60	128.10	58.95	6.50	4.25	35.70
Average Payables Full definition →	135.85	147.80	169.05	196.40	196.55	180.85	217.90	289.80	317.30	358.00
Average Assets Full definition →	3,795.30	4,601.80	5,611.50	6,830.30	7,456.10	7,269.95	6,977.80	7,257.45	8,232.40	8,743.15
Average Common Equity Full definition →	1,050.90	1,354.75	1,763.35	2,173.10	2,328.90	2,063.35	1,724.10	1,688.85	1,751.65	1,636.60

Show all line items

Columns are period end dates

Stockrow Weekly