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Credit Acceptance Corporation (CACC) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-08-16

Credit Acceptance Corporation (CACC) operates in the CREDIT SERVICES industry and is headquartered in Southfield, United States with about 2,314 employees. Its market capitalization is roughly $6 billion. In the fiscal year ended 2025-12-31, CACC reported $2.3B in revenue and $424M in net income.

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States.

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CACC Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$2.3B	$2.3B	$2.1B	$1.9B	$1.8B	$1.9B	$1.7B	$1.5B	$1.2B	$1.1B	$917M	$779M	$722M	$679M	$608M	$523M	$440M	$378M	$307M	$233M	$214M
Gross Profit	$2.1B	$2.3B	$1.3B	$1.9B	$1.3B	$1.4B	$1.2B	$1.1B	$873M	$770M	$667M	$553M	$525M	$486M	$428M	$373M	$308M	$260M	$192M	$140M	$150M
Gross Margin %	89.7%	98.8%	62.4%	100.0%	73.9%	77.2%	75.0%	71.6%	71.4%	73.1%	72.7%	71.0%	72.7%	71.6%	70.3%	71.2%	69.9%	68.7%	62.6%	60.4%	69.9%
Operating Income (EBIT)	$1.0B	$1.1B	$325M	$368M	$702M	$1.3B	$540M	$848M	$755M	$584M	$531M	$474M	$441M	$395M	$342M	$295M	$252M	$227M	$107M	$83M	$91M
Operating Margin %	43.4%	47.6%	15.2%	19.3%	38.5%	67.8%	32.5%	57.3%	61.7%	55.5%	57.9%	60.9%	61.1%	58.2%	56.3%	56.3%	57.2%	59.9%	34.8%	35.7%	42.3%
Net Income	$502M	$424M	$248M	$286M	$536M	$958M	$421M	$656M	$574M	$470M	$333M	$300M	$266M	$253M	$220M	$188M	$170M	$146M	$67M	$55M	$59M
Net Margin %	21.6%	18.3%	11.6%	15.0%	29.4%	51.8%	25.3%	44.4%	46.9%	44.7%	36.3%	38.5%	36.9%	37.3%	36.1%	35.9%	38.6%	38.6%	21.9%	23.6%	27.4%
EBITDA	$897M	$1.1B	$353M	$368M	$728M	$1.3B	$577M	$870M	$775M	$600M	$546M	$489M	$454M	$408M	$355M	$305M	$263M	$237M	$112M	$80M	$90M
Earnings Per Share (EPS)	$45.48	$37.55	$19.88	$21.99	$39.32	$59.52	$23.47	$34.57	$29.39	$24.04	$16.31	$14.28	$11.92	$10.54	$8.58	$7.07	$5.67	$4.62	$2.16	$1.76	$1.66
Shares Outstanding (M)	11M	11M	12M	13M	14M	16M	18M	19M	20M	20M	20M	21M	22M	24M	26M	27M	30M	32M	31M	31M	35M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CACC Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$587M	$580M	$580M	$576M	$576M	$562M	$558M	$544M
Gross Profit	$581M	$574M	$573M	$356M	$354M	$343M	$351M	$337M
Gross Margin %	99.0%	98.9%	98.8%	61.8%	61.5%	61.0%	62.9%	61.9%
Operating Income (EBIT)	$276M	$283M	$307M	$143M	$110M	$134M	$184M	$100M
Operating Margin %	47.0%	48.9%	52.9%	24.8%	19.0%	23.8%	32.9%	18.4%
Net Income	$136M	$136M	$122M	$108M	$87M	$106M	$152M	$79M
Net Margin %	23.1%	23.4%	21.0%	18.8%	15.2%	18.9%	27.2%	14.5%
EBITDA	$180M	$290M	$278M	$150M	$116M	$141M	$191M	$107M
Earnings Per Share (EPS)	$12.66	$12.40	$10.99	$9.43	$7.42	$8.66	$12.26	$6.35
Shares Outstanding (M)	11M	11M	11M	11M	12M	12M	12M	12M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CACC Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$1.2B	$1.1B	$1.1B	$1.2B	$1.2B	$1.1B	$985M	$812M	$704M	$566M	$507M	$404M	$365M	$326M	$309M	$276M	$201M	$153M	$160M	$98M	$86M
Capital Expenditures (CapEx)	$4M	$2M	$2M	$4M	$3M	$8M	$8M	$27M	$25M	$8M	$6M	$4M	$4M	$6M	$9M	$6M	$4M	$3M	$6M	$8M	$2M
Free Cash Flow (FCF)	$1.2B	$1.1B	$1.1B	$1.2B	$1.2B	$1.1B	$977M	$786M	$679M	$558M	$502M	$400M	$361M	$320M	$300M	$269M	$197M	$150M	$153M	$90M	$85M
FCF Margin %	52.5%	45.4%	53.2%	63.1%	67.8%	57.4%	58.7%	53.1%	55.5%	53.0%	54.7%	51.4%	50.0%	47.1%	49.3%	51.5%	44.8%	39.6%	50.0%	38.7%	39.5%
Dividends Paid	—	—	—	$5M	$15M	$12M	—	—	—	$0M	$0M	$0M	$0M	$0M	$0M	$0M	—	—	—	$1.3B	$1.1B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CACC Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$310M	$347M	$269M	$299M	$140M	$346M	$306M	$318M
Capital Expenditures (CapEx)	$2M	$1M	$0M	$1M	$0M	$0M	$1M	$0M
Free Cash Flow (FCF)	$308M	$346M	$269M	$299M	$139M	$346M	$306M	$317M
FCF Margin %	52.4%	59.6%	46.4%	51.8%	24.2%	61.5%	54.8%	58.4%

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

CACC Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$8.6B	$9.6B	$9.7B	$8.4B	$6.9B	$7.1B	$7.5B	$7.4B	$6.2B	$5.0B	$4.2B	$3.4B	$2.8B	$2.4B	$2.1B	$1.8B	$1.3B	$1.2B	$1.1B	$942M	$725M
Cash & Cash Equivalents	$1M	$501M	$845M	$471M	$8M	$23M	$16M	$187M	$26M	$8M	$15M	$6M	$6M	$4M	$9M	$5M	$4M	$2M	$3M	$1M	$9M
Total Liabilities	$7.0B	$8.1B	$8.0B	$6.6B	$5.3B	$5.2B	$5.2B	$5.1B	$4.2B	$3.5B	$3.0B	$2.5B	$2.1B	$1.7B	$1.5B	$1.2B	$869M	$678M	$802M	$677M	$515M
Total Debt (Short + Long-Term)	$6.3B	$8.5B	$6.4B	$5.1B	$6.1B	$4.6B	$4.6B	$4.5B	$4.2B	$3.1B	$3.4B	$2.5B	$1.8B	$1.7B	$1.4B	$406M	$686M	$507M	$642M	$200M	$392M
Total Shareholders' Equity	$1.6B	$1.5B	$1.8B	$1.8B	$1.6B	$1.8B	$2.3B	$2.4B	$2.0B	$1.5B	$1.2B	$928M	$702M	$750M	$622M	$540M	$474M	$498M	$338M	$265M	$210M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive CACC viewer.

Other Companies in CREDIT SERVICES

SOFI · SoFi Technologies Inc. — $22 billion
ALLY · Ally Financial Inc — $12 billion
FCFS · FirstCash Inc — $9 billion
OMF · OneMain Holdings Inc — $7 billion
KLAR · Klarna Group plc — $5 billion
SLM · SLM Corp — $5 billion
NNI · Nelnet Inc — $5 billion
ENVA · Enova International Inc — $4 billion

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