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May 5, 2026·SEC
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Credit Acceptance Corporation(CACC)Earnings, Financials & Key Ratios
CACC•NASDAQ•Banking & Credit
$525.67
$5.48B mkt cap·14.0× P/E·Price updated May 6, 2026
AboutCredit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.Show more
- Net Interest Income$1.71B+6413.0%
- Total Revenue$2.32B+8.6%
- Net Income$424M+71.0%
- Return on Equity25.9%+83.0%
- Net Interest Margin17.78%+6509.7%
- Efficiency Ratio51.12%+8.3%
- ROA4.38%+60.3%
- Equity / Assets15.87%-11.6%
- Book Value per Share134.97-3.8%
- Tangible BV/Share134.97-3.8%
- Debt/Equity4.17+14.9%
CACC Key Insights
Credit Acceptance Corporation (CACC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 17.8%
- ✓Efficient operations: 51.1% efficiency ratio
- ✓Well capitalized: 15.9% equity/assets
- ✓Good 3Y average ROE of 19.0%
- ✓Share count reduced 9.5% through buybacks
✗Weaknesses
- ✗High debt to equity ratio of 4.2x
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CACC Price & Volume
Credit Acceptance Corporation (CACC) stock price & volume — 10-year historical chart
Loading chart...
CACC Growth Metrics
Credit Acceptance Corporation (CACC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.9%
5 Years6.83%
3 Years8.32%
TTM-
Profit CAGR
10 Years3.53%
5 Years0.14%
3 Years-7.51%
TTM56.4%
EPS CAGR
10 Years10.15%
5 Years9.85%
3 Years-1.52%
TTM71.67%
Return on Capital
10 Years11.57%
5 Years9.99%
3 Years7.55%
Last Year14.74%
CACC Recent Earnings
Credit Acceptance Corporation (CACC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 3/12 qtrs (25%)
Q1 2026Latest
Jan 29, 2026EPS
$11.35
Est $10.30
+10.2%
Revenue
$580M
Est $585M
-0.9%
Q4 2025
Oct 30, 2025EPS
$10.28
Est $9.87
+4.2%
Revenue
$576M
Est $594M
-2.9%
Q3 2025
Jul 31, 2025EPS
$8.56
Est $9.84
-13.0%
Revenue
$576M
Est $590M
-2.4%
Q2 2025
Apr 30, 2025EPS
$8.66
Est $10.31
-16.0%
Revenue
$562M
Est $567M
-0.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 29, 2026 | $11.35vs $10.30+10.2% | $580Mvs $585M-0.9% |
| Q4 2025 | Oct 30, 2025 | $10.28vs $9.87+4.2% | $576Mvs $594M-2.9% |
| Q3 2025 | Jul 31, 2025 | $8.56vs $9.84-13.0% | $576Mvs $590M-2.4% |
| Q2 2025 | Apr 30, 2025 | $8.66vs $10.31-16.0% | $562Mvs $567M-0.9% |
Based on last 12 quarters of dataView full earnings history →
CACC Peer Comparison
Credit Acceptance Corporation (CACC) competitors in Auto and Specialty Asset Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ALLY | 13.33B | 43.21 | 18.23 | -25.75% | 7.01% | 5.5% | 1.40 | |
 DT | 11.57B | 38.62 | 24.29 | 18.75% | 9.55% | 6.71% | 3.75% | 0.03 |
 WRLD | 711.12M | 141.15 | 8.66 | -1.46% | 15.89% | 10.79% | 35.22% | 1.20 |
 COF | 117.42B | 189.68 | 47.07 | 28.39% | 3.54% | 2.44% | 22.26% | 0.45 |
 SYF | 25.65B | 73.78 | 7.94 | -7.91% | 18.58% | 21.41% | 38.41% | 0.91 |
 OMF | 6.45B | 55.05 | 8.39 | 9.09% | 12.54% | 23.62% | 48.53% | 6.67 |
 ENVA | 4.22B | 169.28 | 14.62 | 18.58% | 9.79% | 24.88% | 41.96% | 3.41 |
 PRAA | 834.15M | 21.38 | -2.74 | 10.36% | -24.6% | -25.96% | 0.03 |
Compare CACC vs Peers
Credit Acceptance Corporation (CACC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CACC Income Statement
Credit Acceptance Corporation (CACC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -118M | -151.6M | -187.7M | 2.9M | 1.2M | 6.6M | 19.7M | 26.2M | 1.71B | 440.3M |
| NII Growth % | -22.92% | -28.47% | -23.81% | 101.55% | -58.62% | 450% | 198.48% | 32.99% | 6412.98% | 5426.73% |
| Net Interest Margin % | -2.37% | -2.43% | -2.53% | 0.04% | 0.02% | 0.09% | 0.23% | 0.27% | 17.78% | 5.06% |
| Interest Income | 2.2M | 5M | 8.5M | 2.9M | 1.2M | 6.6M | 19.7M | 26.2M | 2.17B | 554.1M |
| Interest Expense | 120.2M | 156.6M | 196.2M | 0 | 0 | 0 | 0 | 0 | 462.9M | 113.8M |
| Loan Loss Provision | 162.8M | 193.8M | 223.4M | 416.4M | 421.1M | 475M | 617.4M | 802.2M | -433.9M | 334.9M |
| Non-Interest Income | 1.1B | 1.27B | 1.47B | 1.66B | 1.85B | 1.82B | 1.86B | 2.11B | 147.9M | 1.76B |
| Non-Interest Income % | 99.8% | 99.61% | 99.43% | 99.83% | 99.94% | 99.64% | 98.95% | 98.77% | 6.38% | 76.03% |
| Total Revenue | 1.11B▲ 0% | 1.28B▲ 15.6% | 1.48B▲ 15.6% | 1.67B▲ 12.6% | 1.85B▲ 11.2% | 1.82B▼ 1.5% | 1.88B▲ 3.1% | 2.13B▲ 13.5% | 2.32B▲ 8.6% | 2.31B▲ 0% |
| Revenue Growth % | 14.71% | 15.61% | 15.58% | 12.56% | 11.15% | -1.51% | 3.12% | 13.54% | 8.57% | 21.5% |
| Non-Interest Expense | 243.2M | 180.3M | 211.7M | 1.25B | 174M | 645.7M | 915.1M | 1.01B | 1.18B | 865.3M |
| Efficiency Ratio | 21.97% | 14.09% | 14.31% | 74.99% | 9.4% | 35.42% | 48.68% | 47.18% | 51.12% | 37.43% |
| Operating Income | 581M▲ 0% | 749.3M▲ 29.0% | 848.1M▲ 13.2% | 0▼ 100.0% | 1.26B▲ 0% | 702.3M▼ 44.1% | 347.3M▼ 50.5% | 325.1M▼ 6.4% | 1.1B▲ 239.5% | 559.1M▲ 0% |
| Operating Margin % | 52.47% | 58.54% | 57.33% | 0% | 67.85% | 38.52% | 18.48% | 15.23% | 47.63% | 24.18% |
| Operating Income Growth % | 10.2% | 28.97% | 13.19% | -100% | - | -44.08% | -50.55% | -6.39% | 239.5% | - |
| Pretax Income | 583.8M▲ 0% | 755.1M▲ 29.3% | 855.9M▲ 13.3% | 549.5M▼ 35.8% | 1.26B▲ 129.5% | 711.7M▼ 43.6% | 367.6M▼ 48.3% | 329.5M▼ 10.4% | 565.4M▲ 71.6% | 598.7M▲ 0% |
| Pretax Margin % | 52.73% | 58.99% | 57.85% | 33% | 68.12% | 39.04% | 19.56% | 15.44% | 24.4% | 25.9% |
| Income Tax | 113.6M | 181.1M | 199.8M | 128.5M | 302.6M | 175.9M | 81.5M | 81.6M | 141.5M | 145.3M |
| Effective Tax Rate % | 19.46% | 23.98% | 23.34% | 23.38% | 24% | 24.72% | 22.17% | 24.76% | 25.03% | 24.27% |
| Net Income | 470.2M▲ 0% | 574M▲ 22.1% | 656.1M▲ 14.3% | 421M▼ 35.8% | 958.3M▲ 127.6% | 535.8M▼ 44.1% | 286.1M▼ 46.6% | 247.9M▼ 13.4% | 423.9M▲ 71.0% | 453.4M▲ 0% |
| Net Margin % | 42.47% | 44.84% | 44.35% | 25.28% | 51.77% | 29.39% | 15.22% | 11.62% | 18.29% | 19.61% |
| Net Income Growth % | 41.29% | 22.08% | 14.3% | -35.83% | 127.62% | -44.09% | -46.6% | -13.35% | 71% | 56.4% |
| Net Income (Continuing) | 470.2M | 574M | 656.1M | 421M | 958.3M | 535.8M | 286.1M | 247.9M | 423.9M | 453.4M |
| EPS (Diluted) | 24.04▲ 0% | 29.39▲ 22.3% | 34.57▲ 17.6% | 23.47▼ 32.1% | 59.52▲ 153.6% | 39.32▼ 33.9% | 21.99▼ 44.1% | 19.88▼ 9.6% | 37.55▲ 88.9% | 41.39▲ 0% |
| EPS Growth % | 47.39% | 22.25% | 17.63% | -32.11% | 153.6% | -33.94% | -44.07% | -9.6% | 88.88% | 71.67% |
| EPS (Basic) | 24.12 | 29.52 | 34.71 | 23.57 | 59.57 | 39.50 | 22.09 | 20.12 | 38.26 | - |
| Diluted Shares Outstanding | 19.56M | 19.53M | 18.98M | 17.94M | 16.1M | 13.63M | 13.01M | 12.47M | 11.29M | 10.95M |
CACC Balance Sheet
Credit Acceptance Corporation (CACC) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 8.2M | 25.7M | 187.4M | 16M | 23.3M | 421.7M | 477.8M | 854.5M | 510.3M | 1.76B |
| Cash & Due from Banks | 8.2M | 25.7M | 187.4M | 16M | 23.3M | 417.7M | 470.9M | 845M | 500.7M | 551.4M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 4M | 6.9M | 9.5M | 9.6M | 109.4M |
| Total Investments | 43.6M | 56.9M | 59.3M | 0 | 0 | 4M | 6.9M | 9.5M | 8.02B | 109.4M |
| Investments Growth % | -0.23% | 30.5% | 4.22% | -100% | - | - | 72.5% | 37.68% | 84272.63% | 85025.45% |
| Long-Term Investments | 43.6M | 56.9M | 59.3M | 0 | 0 | 0 | 0 | 0 | 8.01B | 16.08B |
| Accounts Receivables | 4.62B | 5.76B | 6.69B | 6.93B | 6.45B | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 20.5M | 40.2M | 59.7M | 59.4M | 57.3M | 51.4M | 46.5M | 14.7M | 12.6M | 13.2M |
| Other Assets | 33.4M | -198.6M | -287.4M | 97.4M | 110.9M | -780.1M | -830.1M | -901.2M | 35.8M | 0 |
| Total Current Assets | 4.93B | 6.16B | 7.33B | 7.33B | 6.88B | 0 | 0 | 0 | 577.5M | 8.62B |
| Total Non-Current Assets | 53.9M | 78.3M | 94.8M | 156.8M | 168.2M | 0 | 0 | 0 | 9.02B | 13.2M |
| Total Assets | 4.99B▲ 0% | 6.24B▲ 25.1% | 7.42B▲ 19.0% | 7.49B▲ 0.9% | 7.05B▼ 5.8% | 7.63B▲ 8.3% | 8.39B▲ 10.0% | 9.74B▲ 16.1% | 9.6B▼ 1.5% | 8.69B▲ 0% |
| Asset Growth % | 18.2% | 25.11% | 19.01% | 0.89% | -5.85% | 8.26% | 9.96% | 16.05% | -1.46% | -2.36% |
| Return on Assets (ROA) | 10.22% | 10.23% | 9.61% | 5.65% | 13.18% | 7.3% | 3.57% | 2.73% | 4.38% | 5.09% |
| Accounts Payable | 151.7M | 186.4M | 206.4M | 186.7M | 175M | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 3.07B | 3.82B | 4.54B | 4.7B | 4.62B | 4.59B | 5.07B | 6.35B | 6.35B | 0 |
| Net Debt | 3.06B | 3.8B | 4.35B | 4.69B | 4.6B | 4.17B | 4.6B | 5.51B | 5.85B | -551.4M |
| Long-Term Debt | 3.07B | 3.82B | 4.54B | 4.61B | 4.62B | 3.08B | 4.99B | 6.27B | 4.17B | 0 |
| Short-Term Debt | 0 | 550M | 11.3M | 95.9M | 2.6M | 1.51B | 74.1M | 87.3M | 2.18B | 0 |
| Other Liabilities | 151.7M | 0 | 529.1M | 0 | 0 | -4.29B | -6.23B | -7.55B | 324.1M | 0 |
| Total Current Liabilities | 191.6M | 188.9M | 206.6M | 186.9M | 175.2M | 0 | 0 | 0 | 2.18B | 0 |
| Total Non-Current Liabilities | 3.26B | 4.06B | 4.86B | 5B | 5.05B | 0 | 0 | 0 | 5.89B | 0 |
| Total Liabilities | 3.45B | 4.25B | 5.07B | 5.19B | 5.23B | 6.01B | 6.64B | 7.99B | 8.07B | 7.18B |
| Total Equity | 4.34B▲ 0% | 5.48B▲ 26.3% | 6.38B▲ 16.4% | 2.3B▼ 63.9% | 1.82B▼ 20.8% | 1.62B▼ 11.0% | 1.75B▲ 8.0% | 1.75B▼ 0.2% | 1.52B▼ 12.9% | 1.51B▲ 0% |
| Equity Growth % | 22.73% | 26.28% | 16.39% | -63.91% | -20.77% | -10.97% | 7.99% | -0.23% | -12.92% | -28.56% |
| Equity / Assets (Capital Ratio) | 87.06% | 87.87% | 85.94% | 30.75% | 25.87% | 21.27% | 20.89% | 17.96% | 15.87% | 17.41% |
| Return on Equity (ROE) | 11.94% | 11.69% | 11.06% | 9.7% | 46.44% | 31.08% | 16.94% | 14.15% | 25.9% | 29.39% |
| Book Value per Share | 221.91 | 280.60 | 336.16 | 128.37 | 113.30 | 119.19 | 134.79 | 140.32 | 134.97 | 138.22 |
| Tangible BV per Share | 221.91 | 280.60 | 336.16 | 128.37 | 113.30 | 119.19 | 134.79 | 140.32 | 134.97 | 138.22 |
| Common Stock | 200K | 200K | 200K | 200K | 100K | 100K | 100K | 100K | 100K | 100K |
| Additional Paid-in Capital | 145.5M | 154.9M | 157.7M | 161.9M | 197.2M | 245.7M | 279M | 335.1M | 403.3M | 0 |
| Retained Earnings | 1.39B | 1.84B | 2.2B | 2.14B | 1.63B | 1.38B | 1.48B | 1.41B | 1.12B | 1.08B |
| Accumulated OCI | -200K | -300K | 800K | 1.6M | 200K | -2.9M | -1M | -300K | 1M | 300K |
| Treasury Stock | 0 | 0 | 0 | -480.8M | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 1.39B | 128.2M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CACC Cash Flow Statement
Credit Acceptance Corporation (CACC) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 566M | 703.9M | 812.3M | 985.2M | 1.07B | 1.24B | 1.2B | 1.14B | 1.05B | 1.05B |
| Operating CF Growth % | 11.59% | 24.36% | 15.4% | 21.29% | 8.55% | 15.83% | -2.82% | -5.47% | -7.32% | -49.16% |
| Net Income | 470.2M | 574M | 656.1M | 421M | 958.3M | 535.8M | 286.1M | 247.9M | 423.9M | 453.4M |
| Depreciation & Amortization | 16.4M | 19.5M | 22.4M | 23.8M | 26.3M | 25.6M | 26.6M | 27.8M | 3.6M | 20.4M |
| Deferred Taxes | -85.6M | 49.3M | 85.5M | 68.3M | 44.7M | -7.7M | -38M | -70.4M | 34.6M | -20M |
| Other Non-Cash Items | 129.4M | 56.7M | 78M | 563.6M | 8M | 481.7M | 738.6M | 839.2M | 541.8M | 650.4M |
| Working Capital Changes | 20.2M | -5.9M | -37.3M | -97.7M | 7.3M | 166.8M | 151.4M | 48.4M | 0 | -98.1M |
| Cash from Investing | -871.8M | -1.24B | -1.02B | -673.5M | 437.3M | -460.6M | -1.42B | -1.72B | -674.3M | -574.8M |
| Purchase of Investments | -34.5M | -43.8M | -40.1M | -43.2M | -38.8M | -50.1M | -43.3M | -59M | -43.3M | -21.1M |
| Sale/Maturity of Investments | 5.6M | 11.5M | 41M | 13M | 40.5M | 35.4M | 8.5M | 46.2M | 45.6M | 19.3M |
| Net Investment Activity | -28.9M | -32.3M | 900K | -30.2M | 1.7M | -14.7M | -34.8M | -12.8M | 2.3M | -1.8M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -834.5M | -1.18B | -998.3M | -634.8M | 443.2M | -442.8M | -1.38B | -1.71B | -675M | -570.4M |
| Cash from Financing | 330.3M | 599.9M | 400.3M | -433.2M | -1.47B | -794.6M | 266.2M | 957.3M | -724.6M | -1.05B |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -123.5M | -129.1M | -300.4M | -480.8M | -1.47B | -784.5M | -202.6M | -313.3M | 0 | -739.9M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10.9M |
| Net Stock Activity | -123.5M | -129.1M | -300.4M | -480.8M | -1.47B | -784.5M | -202.6M | -313.3M | 0 | -729M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 0 | -3M |
| Other Financing | -17.1M | -20.7M | -26.1M | -19.5M | -5.4M | 18.9M | -21.7M | -23.1M | -724.6M | -135.7M |
| Net Change in Cash | 24.5M▲ 0% | 65.5M▲ 167.3% | 188.4M▲ 187.6% | -121.5M▼ 164.5% | 38M▲ 131.3% | -16.5M▼ 143.4% | 53.2M▲ 422.4% | 374.1M▲ 603.2% | -344.3M▼ 192.0% | -569.2M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 239.3M | 263.8M | 329.3M | 517.7M | 396.2M | 434.2M | 417.7M | 470.9M | 845M | 500.7M |
| Cash at End | 263.8M | 329.3M | 517.7M | 396.2M | 434.2M | 417.7M | 470.9M | 845M | 500.7M | 551.4M |
| Interest Paid | 108.8M | 141M | 175.6M | 191.6M | 149.4M | 147.3M | 242.1M | 393.4M | 0 | 338.9M |
| Income Taxes Paid | 175M | 168.8M | 172.4M | 141.5M | 213.2M | 72.7M | 31.9M | 103.7M | 0 | 225.6M |
| Free Cash Flow | 557.6M▲ 0% | 678.8M▲ 21.7% | 785.5M▲ 15.7% | 976.7M▲ 24.3% | 1.06B▲ 8.7% | 1.24B▲ 16.4% | 1.2B▼ 2.9% | 1.14B▼ 5.3% | 1.05B▼ 7.3% | 1.05B▲ 0% |
| FCF Growth % | 11.14% | 21.74% | 15.72% | 24.34% | 8.71% | 16.37% | -2.9% | -5.31% | -7.31% | -10.21% |
CACC Banking Ratios
Credit Acceptance Corporation (CACC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.94% | 11.69% | 11.06% | 9.7% | 46.44% | 31.08% | 16.94% | 14.15% | 25.9% | 29.39% |
| Return on Assets (ROA) | 10.22% | 10.23% | 9.61% | 5.65% | 13.18% | 7.3% | 3.57% | 2.73% | 4.38% | 5.09% |
| Net Interest Margin | -2.37% | -2.43% | -2.53% | 0.04% | 0.02% | 0.09% | 0.23% | 0.27% | 17.78% | 5.06% |
| Efficiency Ratio | 21.97% | 14.09% | 14.31% | 74.99% | 9.4% | 35.42% | 48.68% | 47.18% | 51.12% | 37.43% |
| Equity / Assets | 87.06% | 87.87% | 85.94% | 30.75% | 25.87% | 21.27% | 20.89% | 17.96% | 15.87% | 17.41% |
| Book Value / Share | 221.91 | 280.6 | 336.16 | 128.37 | 113.3 | 119.19 | 134.79 | 140.32 | 134.97 | 138.22 |
| NII Growth | -22.92% | -28.47% | -23.81% | 101.55% | -58.62% | 450% | 198.48% | 32.99% | 6412.98% | 1428.82% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
CACC SEC Filings & Documents
Credit Acceptance Corporation (CACC) SEC filings — annual & quarterly reports (10-K, 10-Q)
CACC Frequently Asked Questions
Credit Acceptance Corporation (CACC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Credit Acceptance Corporation (CACC) grew revenue by 8.6% over the past year. This is steady growth.
Yes, Credit Acceptance Corporation (CACC) is profitable, generating $453.4M in net income for fiscal year 2025 (18.3% net margin).
Dividend & Returns
Credit Acceptance Corporation (CACC) has a return on equity (ROE) of 25.9%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Credit Acceptance Corporation (CACC) has a net interest margin (NIM) of 17.8%. This indicates healthy earnings from lending activities.
Credit Acceptance Corporation (CACC) has an efficiency ratio of 51.1%. This is excellent, indicating strong cost control.
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Credit Acceptance Corporation (CACC) financial analysis — history, returns, DCA and operating performance tools
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