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	Q3'26	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

Net Interest Income	449M	443.8M	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
NII Growth %	7777.19%	5589.74%	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%
Net Interest Margin %	5.06%	5.15%	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%
Interest Income	556.2M	551.2M	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
Interest Expense	107.2M	107.4M	108.4M	113.8M	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Loan Loss Provision	321.3M	-101.3M	-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
Non-Interest Income	38.4M	36.2M	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
Non-Interest Income %	7.88%	7.54%	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%
Total Net Revenue	487.4M	480M	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
Revenue Growth %	-15.44%	-16.61%	-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%
Non-Interest Expense	132.4M	305.3M	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
Efficiency Ratio	27.16%	63.6%	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%
Operating Income	33.7M	276M	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
Operating Margin %	6.91%	57.5%	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%
Operating Income Growth %	-76.42%	151.82%	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%
Pretax Income	-73.5M	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
Pretax Margin %	-15.08%	35.13%	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%
Income Tax	-16.9M	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
Effective Tax Rate %	22.99%	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%
Net Income	-56.6M	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
Net Margin %	-11.61%	28.31%	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%
Net Income Growth %	-152.31%	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%
Net Income (Continuing)	-56.6M	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
EPS (Diluted)	-5.43	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
EPS Growth %	-157.58%	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%
EPS (Basic)	-5.43	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
Diluted Shares Outstanding	10.42M	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