Credit Acceptance Corporation (CACC) Earnings History
Steady Earner34 years of earnings data (1992–2025) · Positive but moderate multi-year EPS trajectory
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Credit Acceptance Corporation (CACC) Earnings Overview
As of June 22, 2026, Credit Acceptance Corporation (CACC) reported trailing twelve-month net income of $453M, reflecting +88.9% year-over-year growth. The company earned $41.39 per diluted share over the past four quarters, with a net profit margin of 18.3%.
Looking at the long-term picture, CACC's 5-year EPS compound annual growth rate (CAGR) stands at +9.9%, showing solid earnings momentum. The company achieved its highest annual net income of $958M in fiscal 2021.
Credit Acceptance Corporation maintains industry-leading profitability with a gross margin of 98.7%, operating margin of 47.6%, and net margin of 18.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including ALLY ($852M net income, 7.0% margin), DT ($163M net income, 8.1% margin), WRLD ($43M net income, 15.9% margin), CACC has outperformed on profitability metrics. Compare CACC vs ALLY →
CACC Earnings vs Peers
Earnings metrics vs comparable public companies
CACC Historical Earnings Data (1992–2025)
34 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $424M | +71.0% | $1.10B | $37.55 | 18.3% | 47.6% |
| 2024 | $248M | -13.4% | $325M | $19.88 | 11.6% | 15.2% |
| 2023 | $286M | -46.6% | $347M | $21.99 | 15.2% | 18.5% |
| 2022 | $536M | -44.1% | $702M | $39.32 | 29.4% | 38.5% |
| 2021 | $958M | +127.6% | $1.26B | $59.52 | 51.8% | 67.8% |
| 2020 | $421M | -35.8% | $0 | $23.47 | 25.3% | 0.0% |
| 2019 | $656M | +14.3% | $848M | $34.57 | 44.3% | 57.3% |
| 2018 | $574M | +22.1% | $749M | $29.39 | 44.8% | 58.5% |
| 2017 | $470M | +41.3% | $581M | $24.04 | 42.5% | 52.5% |
| 2016 | $333M | +11.0% | $527M | $16.31 | 34.5% | 54.6% |
| 2015 | $300M | +12.6% | $473M | $14.28 | 36.4% | 57.4% |
| 2014 | $266M | +5.2% | $441M | $11.92 | 36.9% | 61.1% |
| 2013 | $253M | +15.2% | $395M | $10.54 | 37.3% | 58.2% |
| 2012 | $220M | +16.9% | $342M | $8.58 | 36.1% | 56.3% |
| 2011 | $188M | +10.5% | $295M | $7.07 | 35.9% | 56.3% |
| 2010 | $170M | +16.3% | $252M | $5.67 | 38.6% | 57.2% |
| 2009 | $146M | +117.7% | $227M | $4.62 | 38.6% | 59.9% |
| 2008 | $67M | +22.3% | $107M | $2.16 | 21.9% | 34.8% |
| 2007 | $55M | -6.4% | $83M | $1.76 | 23.6% | 35.7% |
| 2006 | $59M | -19.2% | $91M | $1.66 | 27.4% | 42.3% |
| 2005 | $73M | +26.6% | $107M | $1.85 | 36.6% | 53.7% |
| 2004 | $57M | +103.4% | $85M | $1.40 | 34.9% | 51.5% |
| 2003 | $28M | -5.1% | $43M | $0.65 | - | - |
| 2002 | $30M | +20.4% | $49M | $0.68 | - | - |
| 2001 | $25M | +4.3% | $41M | $0.57 | - | - |
| 2000 | $24M | +287.0% | $36M | $0.53 | - | - |
| 1999 | -$13M | -150.6% | -$19M | $-0.23 | - | - |
| 1998 | $25M | +1566.7% | $38M | $0.53 | - | - |
| 1997 | $2M | -96.4% | $1M | $0.03 | - | - |
| 1996 | $42M | +40.2% | $64M | $0.89 | - | - |
| 1995 | $30M | +43.7% | $46M | $0.68 | - | - |
| 1994 | $21M | +66.1% | $32M | $0.49 | - | - |
| 1993 | $12M | +44.2% | $19M | $0.29 | - | - |
| 1992 | $9M | - | $11M | $0.24 | - | - |
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Intrinsic Valuation
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Historical Returns
34+ years return with dividends reinvested.
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CACC — Frequently Asked Questions
Quick answers to the most common questions about buying CACC stock.
What is CACC earnings per share (EPS)?
CACC trailing twelve-month (TTM) diluted EPS is $41.39, reflecting +88.9% year-over-year growth. The 5-year EPS CAGR is +9.9%. Complete EPS history from 1992 to 2025 is available in the table on this page.
What is Credit Acceptance Corporation's net income?
Credit Acceptance Corporation (CACC) trailing twelve-month net income is $453M as of 2025. Earnings grew +88.9% year-over-year. Credit Acceptance Corporation has been profitable for 26 consecutive years.
Is CACC profitable?
Yes, CACC is profitable with a TTM net income of $453M and a net profit margin of +18.3%. Credit Acceptance Corporation has generated profits for 26 consecutive years.
What is CACC's earnings growth rate?
CACC compound annual EPS growth rates (CAGR): 1-Year: +88.9%, 3-Year: -1.5%, 5-Year: +9.9%, 10-Year: +10.2%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1992 to 2025.
What are CACC's profit margins?
Credit Acceptance Corporation net profit margin is +18.3%, operating margin is +47.6%, and gross margin is +98.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +25.9%.
Is CACC growing earnings?
Yes, CACC earnings are accelerating — EPS growth of +88.9% exceeds the 5-year CAGR of +9.9%. TTM net income reached $453M. Earnings momentum is strengthening.
What was CACC's best earnings year?
Credit Acceptance Corporation's highest annual net income on record is $958M, achieved in fiscal year 2021. Earnings history on this page spans 1992 to 2025 and includes all annual and quarterly figures.
What were CACC's earnings last quarter?
CACC's most recent reported quarter was Q1 2026. Net income was $136M with diluted EPS of $12.40. For a full breakdown of all quarters, see the quarterly earnings table on this page.