Credit Acceptance Financial Statements
NASDAQ: CACCFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Credit Acceptance revenue and earnings
In fiscal 2025, Credit Acceptance generated $2.32 billion in revenue, up 7.2% from fiscal 2024, its 3rd consecutive year of revenue growth. Net income was $423.9 million (+71.0% year over year), for a net margin of 18.3% versus a median of 25.2% in the prior 5 years. Diluted earnings per share came in at $36.38, up from $19.88.
Over the last 5 fiscal years, CACC's revenue has grown at a 6.8% compound annual rate.
Summary generated from market data by MetaCap's automated system. Methodology
Credit Acceptance income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.32B | 2.16B | 1.90B | 1.83B | 1.86B | 1.67B | 1.49B | 1.29B | 1.11B | 969.20M |
| Revenue growth (YoY) | +7.16% | +13.70% | +3.79% | -1.27% | +11.18% | +12.11% | +15.80% | +15.84% | +14.53% | +17.44% |
| Operating Expenses | 599.90M | 501.50M | 459.10M | 426.30M | 383.70M | — | — | — | — | — |
| Selling, General & Admin | 262.80M | 192.30M | 178.90M | 164.30M | 165.60M | 139.10M | 135.30M | 123.40M | 113.90M | 97.60M |
| Interest Expense | 462.90M | 419.50M | 266.50M | 166.60M | 164.20M | 192.00M | 196.20M | 156.60M | 120.20M | 97.70M |
| Pretax Income | 565.40M | 329.50M | 367.60M | 711.70M | 1.26B | 549.50M | 855.90M | 755.10M | 583.80M | 531.20M |
| Income Tax | 141.50M | 81.60M | 81.50M | 175.90M | 302.60M | 128.50M | 199.80M | 181.10M | 113.60M | 198.40M |
| Net Income | 423.90M | 247.90M | 286.10M | 535.80M | 958.30M | 421.00M | 656.10M | 574.00M | 470.20M | 332.80M |
| Net Income growth (YoY) | +71.00% | -13.35% | -46.60% | -44.09% | +127.62% | -35.83% | +14.30% | +22.08% | +41.29% | +11.04% |
| EPS (Basic) | 37.02 | 20.12 | 22.09 | 39.50 | 59.57 | 23.57 | 34.71 | 29.52 | 24.12 | 16.37 |
| EPS (Diluted) | 36.38 | 19.88 | 21.99 | 39.32 | 59.52 | 23.47 | 34.57 | 29.39 | 24.04 | 16.31 |
| Shares Outstanding (Basic) | 11.45M | 12.32M | 12.95M | 13.56M | 16.09M | 17.86M | 18.90M | 19.45M | 19.50M | 20.33M |
| Shares Outstanding (Diluted) | 11.65M | 12.47M | 13.01M | 13.63M | 16.10M | 17.94M | 18.98M | 19.53M | 19.56M | 20.41M |
| Net Margin | 18.29% | 11.46% | 15.04% | 29.24% | 51.63% | 25.22% | 44.06% | 44.64% | 42.36% | 34.34% |
This table shows 10 annual periods of Credit Acceptance's income statement, from FY 2025 back to FY 2016, across 12 line items including revenue, operating expenses, selling, general & admin. Values in USD; B = billions, M = millions. Fiscal periods follow CACC's reporting calendar. What is a income statement?