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%

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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

Insider Decisions trades per month

Total sells 86.76

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	1	2	3	4	—	5	18	12	2	—	—	—

Insider Ownership 49.72%

Capital & Financial Ratios $m

Market Cap 5,710.00

Revenue 2,329.70

Net Income 501.90

Free Cash Flow 1,221.10

Net Debt 5,677.50

Current Ratio 14.89

Debt/Equity 3.96

P/E ratio 11.75

Fwd P/E 10.50

P/S ratio 2.45

P/B ratio 3.60

Past 5Y EPS Growth 9.23%

This Y EPS Growth 23.22%

Next Y EPS Growth 21.35%

Next Y revenue growth 2.15%

Next 5Y EPS Growth 20.02%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 20.35%

10-year low 10-year high

P/S against its own 10 years 6.18%

10-year low 10-year high

P/B against its own 10 years 35.07%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	564	951	607	609
Receivables	4	4	67	8
Inventory	—	—	—	—
Other	—	—	—	—
	7,524	8,806	8,583	8,576

	2023	2024	2025	Q'26
Payables	319	316	400	394
ST’ Debt	79	0	107	178
Other	—	—	—	—
	479	433	508	576

Compound Annual Growth %

	10y	5y	3y
Sales	10.88%	6.78%	107.20%
Cash Flow	10.06%	1.37%	(5.22%)
Earnings	3.53%	0.14%	0.00%
Book Value	5.08%	(7.93%)	(2.10%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	580	587	—	—	—
’25	571	584	582	580	2,317
’24	508	538	550	566	2,162
’23	454	478	479	492	1,902
’22	456	457	460	(1,113)	261
’21	451	472	470	463	1,856
’20	389	406	427	447	1,669

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	347	310	—	—	—
’25	346	140	299	269	1,055
’24	310	204	318	306	1,138
’23	297	283	313	311	1,204
’22	376	250	326	287	1,239
’21	325	343	270	131	1,069
’20	231	275	277	202	985

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	346	308	—	—	—
’25	346	139	299	269	1,053
’24	310	207	317	306	1,139
’23	296	281	314	310	1,200
’22	374	250	325	286	1,236
’21	324	341	267	130	1,062
’20	227	273	275	201	977

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	12.40	12.66	—	—	—
’25	8.66	7.42	9.43	10.99	36.50
’24	5.08	(3.83)	6.35	12.26	19.88
’23	7.61	1.69	5.43	7.29	21.99
’22	14.94	7.94	6.49	9.58	70.55
’21	11.82	17.18	15.79	14.60	59.52
’20	(4.61)	5.40	13.56	9.43	23.47

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	160.63	182.50	297.63	373.06	199.00	320.19	397.58	358.00	409.22	401.90	Analyst estimates 2026–2028 Powerpack
	High	223.57	338.12	467.26	509.99	539.00	703.27	699.08	576.05	616.66	560.00
People
People	Employees	1,609	1,817	2,040	2,016	2,033	2,073	2,246	2,232	2,431	2,499
	Revenue/emp, $m	0.60	0.61	0.63	0.74	0.82	0.90	0.12	0.85	0.89	0.93
Income, $m
Income, $m	Revenue	969	1,110	1,286	1,489	1,669	1,856	261	1,902	2,162	2,317
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	531	584	755	856	550	1,261	(38)	368	330	565
	EBT margin, %	54.81	52.59	58.73	57.48	32.92	67.94	(14.63)	19.33	15.24	24.40
	Net income	333	470	574	656	421	958	536	286	248	424
	Depreciation	15	16	20	22	24	26	26	27	28	27
Per share, $
Per share, $	Revenue	47.67	56.93	66.12	78.78	93.47	115.38	(413.36)	146.83	175.47	202.35
	Earnings	16.37	24.12	29.52	34.71	23.57	59.57	60.62	22.09	20.12	37.14
	Cash flow	24.95	29.03	36.20	42.98	55.17	66.48	(1,965.57)	92.93	92.34	92.09
	Capex	(0.27)	(0.43)	(1.29)	(1.42)	(0.48)	(0.47)	4.92	(0.31)	0.11	(0.14)
	Free cash flow	24.68	28.60	34.91	41.56	54.69	66.01	(1,960.65)	92.62	92.45	91.95
	Book value	57.73	78.77	102.38	124.62	128.93	113.40	(2,576.96)	135.39	141.98	133.05
	Shares, m	20	19	19	19	18	16	(1)	13	12	11
Valuation, ×
Valuation, ×	P/E	13.21	13.61	12.93	12.74	14.53	11.53	11.67	24.42	23.32	11.94
	P/S	4.54	5.77	5.77	5.61	3.70	5.96	0.00	3.68	2.68	2.19
	P/B	3.75	4.17	3.73	3.55	2.68	6.06	0.00	3.99	3.31	3.33
	EV/Sales	7.02	8.26	8.44	9.30	6.19	8.18	14.64	6.05	5.17	4.67
	EV/FCF	13.56	16.44	15.99	17.63	10.57	14.30	3.09	9.58	9.82	10.28
Cash, $m
Cash, $m	Operating cash flow	507	566	704	812	985	1,069	1,239	1,204	1,138	1,055
	Capex	(5)	(8)	(25)	(27)	(8)	(8)	(3)	(4)	1	(2)
	Free cash flow	502	558	679	786	977	1,062	1,236	1,200	1,139	1,053
Balance, $m
Balance, $m	Working capital	4,006	4,726	5,798	7,122	7,114	6,764	6,502	7,045	8,373	8,076
	Total debt	3,354	3,071	3,821	6,069	4,609	4,616	4,591	5,068	6,353	6,354
	Net debt	3,069	2,761	3,433	5,492	4,146	4,120	4,101	4,503	5,402	5,747
	Shareholders’ equity	1,174	1,536	1,991	2,355	2,303	1,824	1,624	1,754	1,750	1,524
Returns, %
Returns, %	ROA	8.77	10.22	10.23	9.61	5.65	13.18	(0.55)	3.94	3.01	4.85
	ROIC	9.65	10.57	10.81	8.63	7.63	15.39	1.52	7.06	7.40	9.47
	ROE	31.67	34.71	32.55	30.19	18.08	46.44	(2.22)	16.94	14.15	25.90

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FCFS FirstCash Holdings, Inc.	$9.4B	24.6×	22.4×	+29.38% (above 0%: growing)	+58.21% (above 0%: growing)	+80.67% (above 0%: growing)	49.66%	14.92%	Compare
OMF OneMain Holdings, Inc.	$6.4B	8.4×	7.6×	+7.19% (above 0%: growing)	−5.71% (below 0%: shrinking)	+3.36% (above 0%: growing)	79.93%	0.00%	Compare
CACC Credit Acceptance Corporation	$5.7B	11.7×	10.5×	+0.62% (above 0%: growing)	+71.79% (above 0%: growing)	+120.88% (above 0%: growing)	100.00%	50.07%
KLAR Klarna Group plc	$5.1B	— (loss-making)	8.2×	+26.61% (above 0%: growing)	n/m	−129.24% (below 0%: shrinking)	61.23%	2.59%	Compare
NNI Nelnet, Inc.	$4.6B	15.3×	15.0×	−22.95% (below 0%: shrinking)	−62.78% (below 0%: shrinking)	−52.33% (below 0%: shrinking)	79.01%	0.00%	Compare
SEZL Sezzle Inc.	$4.5B	27.0×	22.8×	+51.65% (above 0%: growing)	+47.56% (above 0%: growing)	+131.47% (above 0%: growing)	82.87%	36.72%	Compare
ENVA Enova International, Inc.	$4.4B	12.4×	11.3×	+21.58% (above 0%: growing)	+40.20% (above 0%: growing)	+21.85% (above 0%: growing)	61.15%	25.53%	Compare
SLM SLM Corporation	$4.2B	6.0×	7.1×	−1.93% (below 0%: shrinking)	−9.38% (below 0%: shrinking)	+2.81% (above 0%: growing)	59.84%	0.00%	Compare
BFH Bread Financial Holdings, Inc.	$3.9B	7.9×	8.2×	+3.39% (above 0%: growing)	+21.89% (above 0%: growing)	+1.93% (above 0%: growing)	100.00%	76.43%	Compare
Median of peers	$4.5B	12.4×	9.8×	+14.39%	+21.89%	+3.09%	70.12%	8.76%

All 55 Credit Services stocks →

Credit Acceptance Corporation (CACC) key facts

Strength: Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024.
Credit Acceptance Corporation (CACC) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CACC traded at $545.29, a market capitalization of $5.7 billion.
Return on equity was 25.9% and debt-to-equity 3.96.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.