CREDIT ACCEPTANCE CORP financials

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CACC CIK 0000885550

Source: EDGAR filings · Built 2026-06-02T02:33:01Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 1.05B 1.14B 1.20B 1.24B 1.06B 976.70M
Net Debt 5.14B 5.02B 3.98B 3.75B 3.79B 3.70B
Net Margin 18.29% 11.46% 15.04% 29.24% 51.63% 25.22%
Return on Equity (ROE) 27.82% 14.17% 16.31% 32.99% 52.53% 18.28%
Return on Assets (ROA) 4.91% 2.80% 3.76% 7.76% 13.59% 5.62%
Debt-to-Equity 3.39× 3.06× 2.28× 2.31× 2.09× 1.61×
Effective Tax Rate 25.03% 24.76% 22.17% 24.72% 24.00% 23.38%
Cash Conversion Ratio 2.49× 4.59× 4.21× 2.31× 1.12× 2.34×
Accruals Ratio -0.07× -0.10× -0.12× -0.10× -0.02× -0.08×
SBC % of Revenue 2.19% 2.08% 2.06% 1.99% 1.34% 0.37%
CapEx Coverage 659.13× 632.17× 300.95× 399.58× 140.71× 115.91×
Free Cash Flow Per Share $90.38 $91.11 $92.22 $90.69 $65.95 $54.46

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 12.19× 23.61× 24.23× 12.07× 11.55× 14.75×
P/FCF 4.91× 5.15× 5.78× 5.23× 10.43× 6.36×
FCF Yield 20.38% 19.41% 17.31% 19.12% 9.59% 15.73%
P/S 2.04× 2.62× 3.51× 3.30× 5.24× 3.54×
P/B 3.11× 3.23× 3.80× 3.73× 5.33× 2.57×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenues 2.32B 2.16B 1.90B 1.83B 1.86B 1.67B
Operating Expenses 599.90M 501.50M 459.10M 426.30M 383.70M —
Income Tax Expense (Benefit) 141.50M 81.60M 81.50M 175.90M 302.60M 128.50M
Net Income (Loss) Attributable to Parent 423.90M 247.90M 286.10M 535.80M 958.30M 421.00M
Earnings Per Share, Basic $37.02 $20.12 $22.09 $39.50 $59.57 $23.57
Weighted Average Number of Shares Outstanding, Basic 11.45M 12.32M 12.95M 13.56M 16.09M 17.86M
Earnings Per Share, Diluted $36.38 $19.88 $21.99 $39.32 $59.52 $23.47
Weighted Average Number of Shares Outstanding, Diluted 11.65M 12.47M 13.01M 13.63M 16.10M 17.94M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 22.80M 343.70M 13.20M 7.70M 23.30M 16.00M
Assets 8.63B 8.85B 7.61B 6.90B 7.05B 7.49B
Liabilities 7.11B 7.11B 5.86B 5.28B 5.23B 5.19B
Stockholders' Equity Attributable to Parent 1.52B 1.75B 1.75B 1.62B 1.82B 2.30B
Common Stock, Shares, Outstanding 10.68M 12.05M 12.52M 12.76M 14.15M 17.09M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 1.05B 1.14B 1.20B 1.24B 1.07B 985.20M
Payments to Acquire Property, Plant, and Equipment 1.60M 1.80M 4.00M 3.10M 7.60M 8.50M
Net Cash Provided by (Used in) Investing Activities -674.30M -1.72B -1.42B -460.60M 437.30M -673.50M
Payments for Repurchase of Common Stock 725.40M 313.30M 202.60M 784.50M 1.47B 480.80M
Net Cash Provided by (Used in) Financing Activities -724.60M 957.30M 266.20M -794.60M -1.47B -433.20M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CACC CIK 0000885550), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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