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    CREDIT ACCEPTANCE (CACC) stock price & financials

    View CACC earnings calls

    Overview

    Price

    Market Cap

    Sector

    Rank

    Performance+16.6% 1Y

    Financials

    Income Statement

    Financial Trajectories

    11
    Quarterly
    MetricQ3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Trend
    EarningsRevenue
    $550.30M
    $565.90M
    $571.10M
    $583.80M
    $582.40M
    +5.8%
    $579.90M
    +2.5%
    $580.00M
    +1.6%
    $587.40M
    +0.6%
    Stable
    Operating Profit
    Net Profit
    $78.80M
    $151.90M
    $106.30M
    $87.40M
    $108.20M
    +37.3%
    $122.00M
    -19.7%
    $135.80M
    +27.8%
    $135.90M
    +55.5%
    Strengthening
    EPS
    $6.42
    $8.79
    $7.55
    $9.62
    +49.8%
    $12.64
    +43.8%
    $12.97
    +71.8%
    Strengthening
    Other Income
    Interest
    $111.20M
    $111.30M
    $114.70M
    $118.10M
    $116.30M
    +4.6%
    $113.80M
    +2.2%
    $108.40M
    -5.5%
    $107.40M
    -9.1%
    Weakening
    Depreciation
    Profit before Tax
    $106.50M
    $191.90M
    $141.70M
    $117.80M
    $148.90M
    +39.8%
    $157.00M
    -18.2%
    $175.00M
    +23.5%
    $168.60M
    +43.1%
    Strengthening
    MarginsOPM
    Tax
    26.0%
    20.8%
    25.0%
    25.8%
    27.3%
    +5.1%
    22.3%
    +7.0%
    22.4%
    -10.3%
    19.4%
    -24.8%
    Weakening
    ReturnsROIC
    7.3%
    14.0%
    9.8%
    8.1%
    10.0%
    +37.3%
    11.3%
    -19.7%
    12.6%
    +27.8%
    12.6%
    +55.5%
    Strengthening

    Balance Sheet

    Balance Sheet

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    AssetsCash & Equivalents$25.70M$187.40M$16.00M$23.30M$7.70M$13.20M$343.70M$22.80M$1.40M
    Short-Term Investments
    Total Current Assets
    Net PP&E$40.20M$59.70M$59.40M$57.30M$51.40M$46.50M$14.70M$12.60M$14.10M
    Goodwill
    Intangibles
    Total Assets$6.24B$7.42B$7.49B$7.05B$6.90B$7.61B$8.85B$8.63B$8.62B
    LiabilitiesTotal Current Liabilities
    Short-Term Debt
    Long-Term Debt
    Long-Term Leases
    Total Liabilities$4.25B$5.07B$5.19B$5.23B$5.28B$5.86B$7.11B$7.11B$7.03B
    EquityCommon Stock & APIC$200.0K$200.0K$200.0K$100.0K$100.0K$100.0K$100.0K$100.0K$100.0K
    Retained Earnings$1.84B$2.20B$2.14B$1.63B$1.38B$1.48B$1.41B$1.12B$1.08B
    Total Equity$1.99B$2.36B$2.30B$1.82B$1.62B$1.75B$1.75B$1.52B$1.59B
    HighlightsNet Cash / (Debt)

    Cash Flow

    Cash Flow

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    ActivitiesCash from Operating$703.90M$812.30M$985.20M$1.07B$1.24B$1.20B$1.14B$1.05B$1.23B
    Cash from Investing-$1.24B-$1.02B-$673.50M$437.30M-$460.60M-$1.42B-$1.72B-$674.30M-$552.00M
    Cash from Financing$599.90M$400.30M-$433.20M-$1.47B-$794.60M$266.20M$957.30M-$724.60M-$744.70M
    SummaryCapital Expenditure-$25.10M-$26.80M-$8.50M-$7.60M-$3.10M-$4.00M-$1.80M-$1.60M-$3.90M
    Free Cash Flow$678.80M$785.50M$976.70M$1.06B$1.24B$1.20B$1.14B$1.05B$1.22B
    FCF Margin52.8%52.8%58.5%57.2%67.4%63.1%52.5%45.4%52.4%

    Ratios