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CREDIT ACCEPTANCE CORP

CACC Clue Score55
United States Fiscal year ends December CIK 0000885550
$547.60 +0.88% Close, 9 Oct 2026
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Price $547.60 −11.95% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue969.2Net income332.8EPS, diluted16.31Fiscal year 2017Revenue1,110.0 +14.5%Net income470.2 +41.3%EPS, diluted24.04 +47.4%Fiscal year 2018Revenue1,285.8 +15.8%Net income574.0 +22.1%EPS, diluted29.39 +22.3%Fiscal year 2019Revenue1,489.0 +15.8%Net income656.1 +14.3%EPS, diluted34.57 +17.6%Fiscal year 2020Revenue1,669.3 +12.1%Net income421.0 −35.8%EPS, diluted23.47 −32.1%Fiscal year 2021Revenue1,856.0 +11.2%Net income958.3 +127.6%EPS, diluted59.52 +153.6%Fiscal year 2022Revenue1,832.4 −1.3%Net income535.8 −44.1%EPS, diluted39.32 −33.9%Fiscal year 2023Revenue1,901.9 +3.8%Net income286.1 −46.6%EPS, diluted21.99 −44.1%Fiscal year 2024Revenue2,162.4 +13.7%Net income247.9 −13.4%EPS, diluted19.88 −9.6%Fiscal year 2025Revenue2,317.2 +7.2%Net income423.9 +71.0%EPS, diluted36.38 +83.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 969.2 1,110.0 1,285.8 1,489.0 1,669.3 1,856.0 1,832.4 1,901.9 2,162.4 2,317.2
Growth +14.5% +15.8% +15.8% +12.1% +11.2% −1.3% +3.8% +13.7% +7.2%
Net income 332.8 470.2 574.0 656.1 421.0 958.3 535.8 286.1 247.9 423.9
Growth +41.3% +22.1% +14.3% −35.8% +127.6% −44.1% −46.6% −13.4% +71.0%
EPS, diluted 16.31 24.04 29.39 34.57 23.47 59.52 39.32 21.99 19.88 36.38
Growth +47.4% +22.3% +17.6% −32.1% +153.6% −33.9% −44.1% −9.6% +83.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin34.3%Free cash flow margin51.8%Fiscal year 2017Net margin42.4%Free cash flow margin50.2%Fiscal year 2018Net margin44.6%Free cash flow margin52.8%Fiscal year 2019Net margin44.1%Free cash flow margin52.8%Fiscal year 2020Net margin25.2%Free cash flow margin58.5%Fiscal year 2021Net margin51.6%Free cash flow margin57.2%Fiscal year 2022Net margin29.2%Free cash flow margin67.4%Fiscal year 2023Net margin15.0%Free cash flow margin63.1%Fiscal year 2024Net margin11.5%Free cash flow margin52.5%Fiscal year 2025Net margin18.3%Free cash flow margin45.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 34.3% 42.4% 44.6% 44.1% 25.2% 51.6% 29.2% 15.0% 11.5% 18.3%
Free cash flow margin 51.8% 50.2% 52.8% 52.8% 58.5% 57.2% 67.4% 63.1% 52.5% 45.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow507.2Capital expenditure−5.5Free cash flow501.7Buybacks−121.7Fiscal year 2017Operating cash flow566.0Capital expenditure−8.4Free cash flow557.6 +11.1%Buybacks−123.5Fiscal year 2018Operating cash flow703.9Capital expenditure−25.1Free cash flow678.8 +21.7%Buybacks−129.1Fiscal year 2019Operating cash flow812.3Capital expenditure−26.8Free cash flow785.5 +15.7%Buybacks−300.4Fiscal year 2020Operating cash flow985.2Capital expenditure−8.5Free cash flow976.7 +24.3%Buybacks−480.8Fiscal year 2021Operating cash flow1,069.4Capital expenditure−7.6Free cash flow1,061.8 +8.7%Buybacks−1,471.8Fiscal year 2022Operating cash flow1,238.7Capital expenditure−3.1Free cash flow1,235.6 +16.4%Buybacks−784.5Fiscal year 2023Operating cash flow1,203.8Capital expenditure−4.0Free cash flow1,199.8 −2.9%Buybacks−202.6Fiscal year 2024Operating cash flow1,137.9Capital expenditure−1.8Free cash flow1,136.1 −5.3%Buybacks−313.3Fiscal year 2025Operating cash flow1,054.6Capital expenditure−1.6Free cash flow1,053.0 −7.3%Buybacks−725.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 507.2 566.0 703.9 812.3 985.2 1,069.4 1,238.7 1,203.8 1,137.9 1,054.6
Capital expenditure −5.5 −8.4 −25.1 −26.8 −8.5 −7.6 −3.1 −4.0 −1.8 −1.6
Free cash flow 501.7 557.6 678.8 785.5 976.7 1,061.8 1,235.6 1,199.8 1,136.1 1,053.0
Growth +11.1% +21.7% +15.7% +24.3% +8.7% +16.4% −2.9% −5.3% −7.3%
Buybacks −121.7 −123.5 −129.1 −300.4 −480.8 −1,471.8 −784.5 −202.6 −313.3 −725.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash14.6Shareholders’ equity1,173.7Fiscal year 2017Cash8.2Shareholders’ equity1,535.8Fiscal year 2018Cash25.7Shareholders’ equity1,990.9Fiscal year 2019Cash187.4Shareholders’ equity2,355.3Fiscal year 2020Cash16.0Shareholders’ equity2,302.5Fiscal year 2021Cash23.3Shareholders’ equity1,824.2Fiscal year 2022Cash7.7Shareholders’ equity1,624.0Fiscal year 2023Cash13.2Shareholders’ equity1,753.7Fiscal year 2024Cash343.7Shareholders’ equity1,749.6Fiscal year 2025Cash22.8Shareholders’ equity1,523.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 14.6 8.2 25.7 187.4 16.0 23.3 7.7 13.2 343.7 22.8
Shareholders’ equity 1,173.7 1,535.8 1,990.9 2,355.3 2,302.5 1,824.2 1,624.0 1,753.7 1,749.6 1,523.6

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
969.2 1,110.0 1,285.8 1,489.0 1,669.3 1,856.0 1,832.4 1,901.9 2,162.4 2,317.2
Growth +14.5% +15.8% +15.8% +12.1% +11.2% −1.3% +3.8% +13.7% +7.2%
48.2 55.5 55.7 65.1 69.6 100.3 88.7 87.2 97.9 161.4
531.2 583.8 755.1 855.9 549.5 1,260.9 711.7 367.6 329.5 565.4
198.4 113.6 181.1 199.8 128.5 302.6 175.9 81.5 81.6 141.5
332.8 470.2 574.0 656.1 421.0 958.3 535.8 286.1 247.9 423.9
Growth +41.3% +22.1% +14.3% −35.8% +127.6% −44.1% −46.6% −13.4% +71.0%
Per share
16.37 24.12 29.52 34.71 23.57 59.57 39.50 22.09 20.12 37.02
16.31 24.04 29.39 34.57 23.47 59.52 39.32 21.99 19.88 36.38
Growth +47.4% +22.3% +17.6% −32.1% +153.6% −33.9% −44.1% −9.6% +83.0%
20.3 19.5 19.4 18.9 17.9 16.1 13.6 13.0 12.3 11.5
20.4 19.6 19.5 19.0 17.9 16.1 13.6 13.0 12.5 11.7
Growth −4.2% −0.1% −2.8% −5.5% −10.2% −15.4% −4.5% −4.2% −6.6%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 6.8% a year over five years, and earnings per share grew 9.2% a year.
  • The diluted share count fell 35.0% in five years, so buybacks did some of the work per share.
  • Profitable in every one of the 10 years on file.