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CREDIT ACCEPTANCE CORP CACC
Nasdaq · stock · Personal Credit Institutions · website · IPO 1992-06-05
CREDIT ACCEPTANCE CORP financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3B | $2.2B | $1.9B | $1.8B | $1.9B | $1.7B | $1.5B | $1.3B | $1.1B | $969.2M |
| Interest expense | $462.9M | $419.5M | $266.5M | $166.6M | $164.2M | $192.0M | $196.2M | $156.6M | $120.2M | $97.7M |
| Income tax | $141.5M | $81.6M | $81.5M | $175.9M | $302.6M | $128.5M | $199.8M | $181.1M | $113.6M | $198.4M |
| Net income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M | $421.0M | $656.1M | $574.0M | $470.2M | $332.8M |
| EPS (diluted) | $36.38 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 | $34.57 | $29.39 | $24.04 | $16.31 |
| Operating cash flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B | $985.2M | $812.3M | $703.9M | $566.0M | $507.2M |
| Free cash flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B | $976.7M | $785.5M | $678.8M | $557.6M | $501.7M |
| Cash & equivalents | $22.8M | $343.7M | $13.2M | $7.7M | $23.3M | $16.0M | $187.4M | $25.7M | $8.2M | $14.6M |
| Total assets | $8.6B | $8.9B | $7.6B | $6.9B | $7.1B | $7.5B | $7.4B | $6.2B | $5.0B | $4.2B |
| Total liabilities | $7.1B | $7.1B | $5.9B | $5.3B | $5.2B | $5.2B | $5.1B | $4.2B | $3.4B | $3.0B |
| Shareholders' equity | $1.5B | $1.7B | $1.8B | $1.6B | $1.8B | $2.3B | $2.4B | $2.0B | $1.5B | $1.2B |
Growth · year-over-year · Revenue CAGR 10.2%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +7.2% | +13.7% | +3.8% | -1.3% | +11.2% | +12.1% | +15.8% | +15.8% | +14.5% | +17.4% |
| Net income growth | +71.0% | -13.4% | -46.6% | -44.1% | +127.6% | -35.8% | +14.3% | +22.1% | +41.3% | +11.0% |
| EPS growth | +83.0% | -9.6% | -44.1% | -33.9% | +153.6% | -32.1% | +17.6% | +22.3% | +47.4% | +14.2% |
| Free cash flow growth | -7.3% | -5.3% | -2.9% | +16.4% | +8.7% | +24.3% | +15.7% | +21.7% | +11.1% | +25.4% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.