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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.

545.29 6.26 −1.13%
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% (at or above 15%: strong)
Next Y EPS Growth 21.35% (at or above 15%: strong)
Next Y revenue growth 2.15%
Next 5Y EPS Growth 20.02% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Credit Acceptance Corporation vs peers in Credit Services (Q) = latest quarter vs a year earlier

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.

Credit Acceptance Corporation (CACC) Latest News

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stockrow.com/CACC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com