Credit Acceptance Corporation (CACC) Quarterly Income Statement

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Credit Acceptance Corporation (CACC) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CACC Income Statement

Credit Acceptance Corporation (CACC) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	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

Net Interest Income	0	434.8M	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
NII Growth %	-100%	5076.19%	5515.79%	-10.94%	21.88%	44.83%	40.74%	20.75%	30.61%	41.46%	45.95%	178.95%	600%	1266.67%	1133.33%	850%	75%	0%	0%	-50%
Net Interest Margin %	0%	5%	4.45%	0.07%	0.09%	0.09%	0.08%	0.07%	0.08%	0.07%	0.06%	0.07%	0.07%	0.06%	0.05%	0.03%	0.01%	0%	0%	0%
Interest Income	0	543.2M	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
Interest Expense	0	108.4M	113.8M	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan Loss Provision	0	-101.9M	-107.1M	220.4M	221.6M	219.4M	206.6M	207M	200.6M	188M	161.5M	153.7M	152.7M	149.5M	127.1M	121.6M	116.5M	109.8M	115.3M	113M
Non-Interest Income	587.4M	36.8M	39.3M	570.7M	567.8M	553.9M	550.1M	537.2M	524.9M	495.9M	480M	467.5M	467.7M	444.9M	451.7M	455.9M	455.1M	455.1M	462.3M	469.5M
Non-Interest Income %	100%	7.8%	8.43%	99.01%	98.64%	98.51%	98.64%	98.82%	98.8%	98.84%	98.89%	98.88%	98.96%	99.09%	99.19%	99.58%	99.85%	99.93%	99.94%	99.96%
Total Net Revenue	587.4M	471.6M	466.1M	576.4M	575.6M	562.3M	557.7M	543.6M	531.3M	501.7M	485.4M	472.8M	472.6M	449M	455.4M	457.8M	455.8M	455.4M	462.6M	469.7M
Revenue Growth %	2.05%	-16.13%	-16.42%	6.03%	8.34%	12.08%	14.89%	14.97%	12.42%	11.74%	6.59%	3.28%	3.69%	-1.41%	-1.56%	-2.53%	-3.29%	1.09%	3.61%	10.28%
Non-Interest Expense	134.1M	290.1M	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
Efficiency Ratio	22.83%	61.51%	57.2%	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%
Operating Income	453.3M	283.4M	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
Operating Margin %	77.17%	60.09%	65.78%	24.79%	19.04%	23.85%	32.94%	18.36%	-7.25%	15.97%	23.07%	0%	4.78%	27.17%	37.64%	26.12%	30.82%	62.41%	61.41%	70.64%
Operating Income Growth %	313.59%	111.33%	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%
Pretax Income	168.6M	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
Pretax Margin %	28.7%	37.11%	33.68%	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%
Income Tax	32.7M	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
Effective Tax Rate %	19.4%	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%
Net Income	135.9M	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
Net Margin %	23.14%	28.8%	26.17%	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%
Net Income Growth %	55.49%	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%
Net Income (Continuing)	135.9M	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
EPS (Diluted)	12.66	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
EPS Growth %	70.62%	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%
EPS (Basic)	12.97	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
Diluted Shares Outstanding	10.73M	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