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 invested capital
Credit Acceptance Corporation's return on invested capital over the twelve months to 30 September 2026 was 7.81%, down 1.7 percentage points from fiscal 2025 (9.47%). Over the past ten years it has ranged from 1.52% (fiscal 2022) to 15.4% (fiscal 2021); the current reading is higher than 55% of that period. That is above the Credit Services industry median of 4.56% and above the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 9.47% | 2.07 |
| FY2024 | 7.40% | 0.34 |
| FY2023 | 7.06% | 5.54 |
| FY2022 | 1.52% | (13.87) |
| FY2021 | 15.4% | 7.76 |
| FY2020 | 7.63% | (1.00) |
| FY2019 | 8.63% | (2.18) |
| FY2018 | 10.8% | 0.24 |
| FY2017 | 10.6% | 0.92 |
| FY2016 | 9.65% | (3.50) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| SEZL Sezzle Inc. compare | 49.8% |
| FCFS FirstCash Holdings, Inc. compare | 9.40% |
| SLM SLM Corporation compare | 8.72% |
| ENVA Enova International, Inc. compare | 8.51% |
| CACC Credit Acceptance Corporation | 7.81% |
| OMF OneMain Holdings, Inc. compare | 2.29% |
| NNI Nelnet, Inc. compare | 0.00% |
| BFH Bread Financial Holdings, Inc. compare | 0.00% |
| KLAR Klarna Group plc compare | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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 equity
- Return on assets
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement