Credit Acceptance Corporation (CACC) — Financial statements
Income statement, balance sheet, and cash flow for Credit Acceptance Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 2,317↑8.6% | 2,134↑13.5% | 1,880↑3.1% | 1,823↓1.5% | 1,851 | |
| Cost of Revenue | 29↓96.4% | 802↑29.9% | 617↑30.0% | 475↑12.8% | 421 | |
| Gross Profit | 2,288↑71.8% | 1,332↑5.5% | 1,262↓6.4% | 1,348↓5.7% | 1,430 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 0.00↓100.0% | 98↑12.3% | 87↓1.7% | 89↓11.6% | 100 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 94↑2.9% | 92↑21.3% | 76↑15.8% | 65 | |
| SG&A Expenses | 0.00↓100.0% | 192↑7.5% | 179↑8.9% | 164↓0.8% | 166 | |
| Other Expenses | 1,185↑45.4% | 815↑10.7% | 736↑52.9% | 481↑5631.0% | 8 | |
| Operating Expenses | 1,185↑17.6% | 1,007↑10.0% | 915↑41.7% | 646↑271.1% | 174 | |
| Total Costs & Expenses | 1,214↓32.9% | 1,809↑18.1% | 1,533↑36.7% | 1,121↑88.3% | 595 | |
| Operating Results | ||||||
| Operating Income | 1,104↑239.5% | 325↓6.4% | 347↓50.5% | 702↓44.1% | 1,256 | |
| Depreciation & Amortization | 29↑4.3% | 28↑4.5% | 27↑3.9% | 26↓2.7% | 26 | |
| EBITDA | 1,057↑199.6% | 353↓5.6% | 374↓48.6% | 728↓43.2% | 1,282 | |
| EBIT | 1,028↑216.3% | 325↓6.4% | 347↓50.5% | 702↓44.1% | 1,256 | |
| Interest & Other Income | ||||||
| Net Interest Income | 1,706↑6413.0% | 26↑33.0% | 20↑198.5% | 7↑450.0% | 1 | |
| Interest Income | 2,169↑8179.8% | 26↑33.0% | 20↑198.5% | 7↑450.0% | 1 | |
| Interest Expense | 463 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Non-Operating Income | 75 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -538↓12334.1% | 4↓78.3% | 20↑116.0% | 9↑84.3% | 5 | |
| Income Before Tax | 565↑71.6% | 330↓10.4% | 368↓48.3% | 712↓43.6% | 1,261 | |
| Income Tax Expense | 142↑73.4% | 82↑0.1% | 82↓53.7% | 176↓41.9% | 303 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 424↑71.0% | 248↓13.4% | 286↓46.6% | 536↓44.1% | 958 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 424↑71.0% | 248↓13.4% | 286↓46.6% | 536↓44.1% | 958 | |
| Bottom-Line Net Income | 424↑71.0% | 248↓13.4% | 286↓46.6% | 536↓44.1% | 958 | |
| EPS (Basic) | 38.26↑90.2% | 20.12↓8.9% | 22.09↓44.1% | 39.50↓33.7% | 59.57 | |
| EPS (Diluted) | 37.55↑88.9% | 19.88↓9.6% | 21.99↓44.1% | 39.32↓33.9% | 59.52 | |
| Weighted Average Shares | 11↓10.1% | 12↓4.9% | 13↓4.5% | 14↓15.7% | 16 | |
| Weighted Average Diluted Shares | 11↓9.5% | 12↓4.2% | 13↓4.5% | 14↓15.4% | 16 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.