Credit Acceptance Corporation (CACC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 0 | 573.2M | 356M | 354M | 342.9M | 351.1M | 336.6M | 330.7M | 313.7M | 323.9M | 319.1M | 319.9M | 299.5M | 328.3M | 336.2M | 339.3M | 345.6M | 347.3M | 356.7M | 380.6M |
| Gross Margin % | - | 98.84% | 61.76% | 61.5% | 60.98% | 62.96% | 61.92% | 62.24% | 62.53% | 66.73% | 67.49% | 67.69% | 66.7% | 72.09% | 73.44% | 74.44% | 75.89% | 75.08% | 75.94% | 80.76% |
| Gross Profit Growth % | -100% | 63.26% | 5.76% | 7.05% | 9.31% | 8.4% | 5.48% | 3.38% | 4.74% | -1.34% | -5.09% | -5.72% | -13.34% | -5.47% | -5.75% | -10.85% | -0.8% | 0.32% | 10.85% | 27.16% |
| Operating Expenses | 141.2M | 266.6M | 213.1M | 244.4M | 208.8M | 167.4M | 236.8M | 369.2M | 233.6M | 211.9M | 319.1M | 297.3M | 177.5M | 156.9M | 216.6M | 198.8M | 61.4M | 63.2M | 24.9M | 1.3M |
| OpEx % of Revenue | 24.34% | 45.97% | 36.97% | 42.46% | 37.13% | 30.02% | 43.56% | 69.49% | 46.56% | 43.65% | 67.49% | 62.91% | 39.53% | 34.45% | 47.31% | 43.62% | 13.48% | 13.66% | 5.3% | 0.28% |
| Selling, General & Admin | 52.6M | 0 | 61.1M | 71.8M | 46.9M | 44M | 52.1M | 48.6M | 47.6M | 48.2M | 43.8M | 46.8M | 40.1M | 26.6M | 36.3M | 51.3M | 38.1M | 37.3M | 33.2M | 31.8M |
| SG&A % of Revenue | 9.07% | - | 10.6% | 12.47% | 8.34% | 7.89% | 9.58% | 9.15% | 9.49% | 9.93% | 9.26% | 9.9% | 8.93% | 5.84% | 7.93% | 11.25% | 8.37% | 8.06% | 7.07% | 6.75% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 0 | 306.6M | 142.9M | 109.6M | 134.1M | 183.7M | 99.8M | -38.5M | 80.1M | 112M | 0 | 22.6M | 122M | 171.4M | 119.6M | 140.5M | 284.2M | 284.1M | 331.8M | 379.3M |
| Operating Margin % | - | 52.87% | 24.79% | 19.04% | 23.85% | 32.94% | 18.36% | -7.25% | 15.97% | 23.07% | - | 4.78% | 27.17% | 37.64% | 26.12% | 30.82% | 62.41% | 61.41% | 70.64% | 80.48% |
| Operating Income Growth % | -100% | 66.9% | 43.19% | 384.68% | 67.42% | 64.02% | - | -270.35% | -34.34% | -34.66% | -100% | -83.91% | -57.07% | -39.67% | -63.95% | -62.96% | 7.73% | 32.02% | 4.41% | 198.43% |
| EBITDA | 0 | 313.3M | 149.7M | 116.4M | 141M | 190.6M | 106.7M | -31.6M | 87.2M | 118.7M | 97.8M | 29M | 128.4M | 177.7M | 125.8M | 147M | 290.8M | 290.7M | 338.6M | 385.7M |
| EBITDA Margin % | - | 54.03% | 25.97% | 20.22% | 25.08% | 34.18% | 19.63% | -5.95% | 17.38% | 24.45% | 20.69% | 6.14% | 28.6% | 39.02% | 27.48% | 32.25% | 63.86% | 62.84% | 72.09% | 81.84% |
| EBITDA Growth % | -100% | 64.38% | 40.3% | 468.35% | 61.7% | 60.57% | 9.1% | -208.97% | -32.09% | -33.2% | -22.26% | -80.27% | -55.85% | -38.87% | -62.85% | -61.89% | 7.58% | 31.24% | 4.51% | 190.22% |
| D&A (Non-Cash Add-back) | 0 | 6.7M | 6.8M | 6.8M | 6.9M | 6.9M | 6.9M | 6.9M | 7.1M | 6.7M | 7.1M | 6.4M | 6.4M | 6.3M | 6.2M | 6.5M | 6.6M | 6.6M | 6.8M | 6.4M |
| EBIT | 0 | 270.8M | 142.9M | 109.6M | 134.1M | 183.7M | 99.8M | -38.5M | 80.1M | 112M | 90.7M | 22.6M | 122M | 171.4M | 119.6M | 140.5M | 284.2M | 284.1M | 331.8M | 379.3M |
| Net Interest Income | 0 | 426.8M | 5.7M | 7.8M | 8.4M | 7.6M | 6.4M | 6.4M | 5.8M | 5.4M | 5.3M | 4.9M | 4.1M | 3.7M | 1.9M | 700K | 300K | 300K | 200K | 400K |
| Interest Income | 0 | 540.6M | 5.7M | 7.8M | 8.4M | 7.6M | 6.4M | 6.4M | 5.8M | 5.4M | 5.3M | 4.9M | 4.1M | 3.7M | 1.9M | 700K | 300K | 300K | 200K | 400K |
| Interest Expense | 0 | 113.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 175M | 157M | 148.9M | 117.8M | 141.7M | 191.9M | 106.5M | -55.3M | 86.4M | 116.4M | 96.5M | 27.9M | 126.8M | 163M | 122.1M | 142.1M | 284.5M | 284.7M | 332.2M | 379.7M |
| Pretax Margin % | 30.17% | 27.07% | 25.83% | 20.47% | 25.2% | 34.41% | 19.59% | -10.41% | 17.22% | 23.98% | 20.41% | 5.9% | 28.24% | 35.79% | 26.67% | 31.18% | 62.47% | 61.54% | 70.73% | 80.56% |
| Income Tax | 39.2M | 35M | 40.7M | 30.4M | 35.4M | 40M | 27.7M | -8.2M | 22.1M | 22.8M | 25.7M | 5.7M | 27.3M | 35.7M | 35.3M | 34.7M | 70.2M | 67.1M | 82.2M | 91.1M |
| Effective Tax Rate % | 22.4% | 22.29% | 27.33% | 25.81% | 24.98% | 20.84% | 26.01% | 14.83% | 25.58% | 19.59% | 26.63% | 20.43% | 21.53% | 21.9% | 28.91% | 24.42% | 24.67% | 23.57% | 24.74% | 23.99% |
| Net Income | 135.8M | 122M | 108.2M | 87.4M | 106.3M | 151.9M | 78.8M | -47.1M | 64.3M | 93.6M | 70.8M | 22.2M | 99.5M | 127.3M | 86.8M | 107.4M | 214.3M | 217.6M | 250M | 288.6M |
| Net Margin % | 23.41% | 21.04% | 18.77% | 15.18% | 18.9% | 27.24% | 14.5% | -8.87% | 12.82% | 19.28% | 14.97% | 4.7% | 22.16% | 27.95% | 18.96% | 23.56% | 47.06% | 47.04% | 53.23% | 61.23% |
| Net Income Growth % | 27.75% | -19.68% | 37.31% | 285.56% | 65.32% | 62.29% | 11.3% | -312.16% | -35.38% | -26.47% | -18.43% | -79.33% | -53.57% | -41.5% | -65.28% | -62.79% | 6.04% | 30.85% | 3.26% | 199.38% |
| Net Income (Continuing) | 135.8M | 122M | 108.2M | 87.4M | 106.3M | 151.9M | 78.8M | -47.1M | 64.3M | 93.6M | 70.8M | 22.2M | 99.5M | 127.3M | 86.8M | 107.4M | 214.3M | 217.6M | 250M | 288.6M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 12.40 | 10.99 | 9.43 | 7.42 | 8.66 | 12.26 | 6.35 | -3.83 | 5.08 | 7.29 | 5.43 | 1.69 | 7.61 | 9.58 | 6.49 | 7.94 | 14.94 | 14.60 | 15.79 | 17.18 |
| EPS Growth % | 43.19% | -10.36% | 48.5% | 293.73% | 70.47% | 68.18% | 16.94% | -326.63% | -33.25% | -23.9% | -16.33% | -78.72% | -49.06% | -34.38% | -58.9% | -53.78% | 26.4% | 54.83% | 16.45% | 218.15% |
| EPS (Basic) | 12.64 | 11.18 | 9.62 | 7.55 | 8.79 | 12.33 | 6.42 | -3.83 | 5.15 | 7.33 | 5.47 | 1.70 | 7.62 | 9.59 | 6.53 | 7.99 | 14.94 | 14.77 | 15.83 | 17.19 |
| Diluted Shares Outstanding | 10.95M | 11.1M | 11.47M | 11.77M | 12.28M | 12.39M | 12.41M | 12.28M | 12.65M | 12.84M | 13.04M | 13.1M | 13.07M | 13.29M | 13.36M | 13.52M | 14.34M | 14.9M | 15.83M | 16.79M |
| Basic Shares Outstanding | 10.74M | 10.91M | 11.25M | 11.57M | 12.09M | 12.26M | 12.28M | 12.28M | 12.48M | 12.78M | 12.93M | 13.05M | 13.06M | 13.27M | 13.29M | 13.44M | 14.27M | 14.73M | 15.8M | 16.79M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |