stockrowCredit 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.
- Revenue
- +2.09%
- EPS
- −156.4%
- Free cash flow
- +11.8%
- Total debt
- +5.57%
Quarter to September 2026, against a year earlier
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Credit Acceptance Corporation (CACC) Return on equity
Credit Acceptance Corporation's return on equity over the twelve months to 30 September 2026 was 22.7%, down 3.2 percentage points from fiscal 2025 (25.9%). Over the past ten years it has ranged from 14.2% (fiscal 2024) to 46.4% (fiscal 2021); the current reading is higher than 36% of that period. That is above the Credit Services industry median of 9.05% and above the Financial sector median of 9.01%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 25.9% | 11.75 |
| FY2024 | 14.2% | (2.79) |
| FY2023 | 16.9% | (14.14) |
| FY2022 | 31.1% | (15.36) |
| FY2021 | 46.4% | 28.36 |
| FY2020 | 18.1% | (12.11) |
| FY2019 | 30.2% | (2.36) |
| FY2018 | 32.6% | (2.16) |
| FY2017 | 34.7% | 3.04 |
| FY2016 | 31.7% | (5.10) |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| SEZL Sezzle Inc. compare | 84.3% |
| SLM SLM Corporation compare | 27.0% |
| ENVA Enova International, Inc. compare | 26.8% |
| CACC Credit Acceptance Corporation | 22.7% |
| OMF OneMain Holdings, Inc. compare | 22.7% |
| FCFS FirstCash Holdings, Inc. compare | 18.2% |
| BFH Bread Financial Holdings, Inc. compare | 15.6% |
| NNI Nelnet, Inc. compare | 7.55% |
| KLAR Klarna Group plc compare | −5.67% |
| Credit Services industry median | 9.05% |
| Financial sector median | 9.01% |
| Market median | 0.51% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (latest quarter)
More on CACC
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement