What is Credit Accep Corp Mich's earnings per share (EPS)?

Credit Accep Corp Mich (CACC) reported diluted earnings per share of $36.38 for fiscal year 2025. This represents a 83.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Credit Accep Corp Mich Financials

CACC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Credit Accep Corp Mich (CACC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 56/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Credit Accep Corp Mich's revenue grew 7.2% year-over-year to $2.3B, a solid pace of expansion. This earns a growth score of 45/100.

Leverage

Credit Accep Corp Mich has elevated debt relative to equity (D/E of 4.67), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 7/100, reflecting increased financial risk.

Cash Flow

100

Credit Accep Corp Mich converts 45.4% of revenue into free cash flow ($1.1B). This strong cash generation earns a score of 100/100.

Returns

Credit Accep Corp Mich earns a strong 27.8% return on equity (ROE), meaning it generates $28 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 73/100. This is up from 14.2% the prior year.

Piotroski F-Score Neutral

6/9

Credit Accep Corp Mich passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.49x

For every $1 of reported earnings, Credit Accep Corp Mich generates $2.49 in operating cash flow ($1.1B OCF vs $423.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$2.3B

YoY+7.2%

5Y CAGR+6.8%

10Y CAGR+10.9%

Credit Accep Corp Mich generated $2.3B in revenue in fiscal year 2025. This represents an increase of 7.2% from the prior year.

EBITDA

N/A

Net Income

$423.9M

YoY+71.0%

5Y CAGR+0.1%

10Y CAGR+3.5%

Credit Accep Corp Mich reported $423.9M in net income in fiscal year 2025. This represents an increase of 71.0% from the prior year.

EPS (Diluted)

$36.38

YoY+83.0%

5Y CAGR+9.2%

10Y CAGR+9.8%

Credit Accep Corp Mich earned $36.38 per diluted share (EPS) in fiscal year 2025. This represents an increase of 83.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$1.1B

YoY-7.3%

5Y CAGR+1.5%

10Y CAGR+10.2%

Credit Accep Corp Mich generated $1.1B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 7.3% from the prior year.

Cash & Debt

$22.8M

YoY-93.4%

5Y CAGR+7.3%

10Y CAGR+13.7%

Credit Accep Corp Mich held $22.8M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

11M

YoY-10.7%

5Y CAGR-8.6%

10Y CAGR-6.1%

Credit Accep Corp Mich had 11M shares outstanding in fiscal year 2025. This represents a decrease of 10.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

18.3%

YoY+6.8pp

5Y CAGR-6.9pp

10Y CAGR-18.0pp

Credit Accep Corp Mich's net profit margin was 18.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 6.8 percentage points from the prior year.

Return on Equity

27.8%

YoY+13.7pp

5Y CAGR+9.5pp

10Y CAGR-4.5pp

Credit Accep Corp Mich's ROE was 27.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 13.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$725.4M

YoY+131.5%

5Y CAGR+8.6%

10Y CAGR+23.7%

Credit Accep Corp Mich spent $725.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 131.5% from the prior year.

Capital Expenditures

$1.6M

YoY-11.1%

5Y CAGR-28.4%

10Y CAGR-8.8%

Credit Accep Corp Mich invested $1.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 11.1% from the prior year.

CACC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$2.3B+7.2%	$2.2B+13.7%	$1.9B+3.8%	$1.8B-1.3%	$1.9B+11.2%	$1.7B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$161.4M+64.9%	$97.9M+12.3%	$87.2M-1.7%	$88.7M-11.6%	$100.3M+44.1%	$69.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$462.9M+10.3%	$419.5M+57.4%	$266.5M+60.0%	$166.6M+1.5%	$164.2M-14.5%	$192.0M
Income Tax	$141.5M+73.4%	$81.6M+0.1%	$81.5M-53.7%	$175.9M-41.9%	$302.6M+135.5%	$128.5M
Net Income	$423.9M+71.0%	$247.9M-13.4%	$286.1M-46.6%	$535.8M-44.1%	$958.3M+127.6%	$421.0M
EPS (Diluted)	$36.38+83.0%	$19.88-9.6%	$21.99-44.1%	$39.32-33.9%	$59.52+153.6%	$23.47

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$579.9M-0.4%	$582.4M-0.2%	$583.8M+2.2%	$571.1M+0.9%	$565.9M+2.8%	$550.3M+2.2%	$538.2M+5.9%	$508.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$57.8M+59.2%	$36.3M-19.7%	$45.2M+104.5%	$22.1M+0.5%	$22.0M-24.1%	$29.0M+25.0%	$23.2M-2.1%	$23.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$113.8M-2.1%	$116.3M-1.5%	$118.1M+3.0%	$114.7M+3.1%	$111.3M+0.1%	$111.2M+6.4%	$104.5M+13.0%	$92.5M
Income Tax	$35.0M-14.0%	$40.7M+33.9%	$30.4M-14.1%	$35.4M-11.5%	$40.0M+44.4%	$27.7M+437.8%	-$8.2M-137.1%	$22.1M
Net Income	$122.0M+12.8%	$108.2M+23.8%	$87.4M-17.8%	$106.3M-30.0%	$151.9M+92.8%	$78.8M+267.3%	-$47.1M-173.3%	$64.3M
EPS (Diluted)	N/A	$9.43+27.1%	$7.42-14.3%	$8.66	N/A	$6.35+265.8%	$-3.83-175.4%	$5.08

CACC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$8.6B-2.5%	$8.9B+16.4%	$7.6B+10.2%	$6.9B-2.1%	$7.1B-5.8%	$7.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$22.8M-93.4%	$343.7M+2503.8%	$13.2M+71.4%	$7.7M-67.0%	$23.3M+45.6%	$16.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.1B0.0%	$7.1B+21.3%	$5.9B+10.9%	$5.3B+1.0%	$5.2B+0.8%	$5.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.5B-12.9%	$1.7B-0.2%	$1.8B+8.0%	$1.6B-11.0%	$1.8B-20.8%	$2.3B
Retained Earnings	$1.1B-20.9%	$1.4B-4.1%	$1.5B+6.8%	$1.4B-15.1%	$1.6B-23.9%	$2.1B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$8.6B-0.1%	$8.6B-1.0%	$8.7B-5.8%	$9.3B+4.6%	$8.9B+2.0%	$8.7B+5.2%	$8.3B+2.0%	$8.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$22.8M+43.4%	$15.9M-77.3%	$70.0M-86.8%	$528.8M+53.9%	$343.7M+115.2%	$159.7M+1824.1%	$8.3M-1.2%	$8.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$7.1B+0.7%	$7.1B-1.5%	$7.2B-5.0%	$7.5B+6.2%	$7.1B+1.0%	$7.0B+5.0%	$6.7B+4.0%	$6.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.5B-3.5%	$1.6B+1.5%	$1.6B-9.1%	$1.7B-2.2%	$1.7B+6.3%	$1.6B+5.9%	$1.6B-5.9%	$1.7B
Retained Earnings	$1.1B-5.6%	$1.2B+0.1%	$1.2B-12.8%	$1.4B-4.0%	$1.4B+7.1%	$1.3B+6.3%	$1.2B-8.0%	$1.3B

CACC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.1B-7.3%	$1.1B-5.5%	$1.2B-2.8%	$1.2B+15.8%	$1.1B+8.5%	$985.2M
Capital Expenditures	$1.6M-11.1%	$1.8M-55.0%	$4.0M+29.0%	$3.1M-59.2%	$7.6M-10.6%	$8.5M
Free Cash Flow	$1.1B-7.3%	$1.1B-5.3%	$1.2B-2.9%	$1.2B+16.4%	$1.1B+8.7%	$976.7M
Investing Cash Flow	-$674.3M+60.8%	-$1.7B-21.5%	-$1.4B-207.6%	-$460.6M-205.3%	$437.3M+164.9%	-$673.5M
Financing Cash Flow	-$724.6M-175.7%	$957.3M+259.6%	$266.2M+133.5%	-$794.6M+45.9%	-$1.5B-239.0%	-$433.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$725.4M+131.5%	$313.3M+54.6%	$202.6M-74.2%	$784.5M-46.7%	$1.5B+206.1%	$480.8M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$269.3M-10.1%	$299.4M+114.3%	$139.7M-59.6%	$346.2M+13.1%	$306.2M-3.6%	$317.7M+55.7%	$204.0M-34.2%	$310.0M
Capital Expenditures	$400K-33.3%	$600K+100.0%	$300K0.0%	$300K-57.1%	$700K+75.0%	$400K0.0%	$400K+33.3%	$300K
Free Cash Flow	$268.9M-10.0%	$298.8M+114.3%	$139.4M-59.7%	$345.9M+13.2%	$305.5M-3.7%	$317.3M+55.8%	$203.6M-34.3%	$309.7M
Investing Cash Flow	-$60.9M+52.3%	-$127.6M+34.3%	-$194.2M+33.4%	-$291.6M-55.8%	-$187.2M+55.8%	-$424.0M+19.4%	-$526.0M+9.9%	-$583.9M
Financing Cash Flow	-$206.5M+12.8%	-$236.8M+52.9%	-$502.3M-327.3%	$221.0M+2178.4%	$9.7M-96.8%	$305.0M+12.1%	$272.0M-26.6%	$370.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$191.4M+78.2%	$107.4M-59.0%	$262.2M+59.5%	$164.4M+167.8%	$61.4M	$0-100.0%	$60.8M-68.2%	$191.1M

CACC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.3%+6.8pp	11.5%-3.6pp	15.0%-14.2pp	29.2%-22.4pp	51.6%+26.4pp	25.2%
Return on Equity	27.8%+13.7pp	14.2%-2.1pp	16.3%-16.7pp	33.0%-19.5pp	52.5%+34.3pp	18.3%
Return on Assets	4.9%+2.1pp	2.8%-1.0pp	3.8%-4.0pp	7.8%-5.8pp	13.6%+8.0pp	5.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.67+0.6	4.06+0.7	3.34+0.1	3.25+0.4	2.87+0.6	2.25
FCF Margin	45.4%-7.1pp	52.5%-10.5pp	63.1%-4.3pp	67.4%+10.2pp	57.2%-1.3pp	58.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.0%+2.5pp	18.6%+3.6pp	15.0%-3.6pp	18.6%-8.2pp	26.8%+12.5pp	14.3%+23.1pp	-8.8%-21.4pp	12.7%
Return on Equity	8.0%+1.2pp	6.9%+1.2pp	5.6%-0.6pp	6.2%-2.5pp	8.7%+3.9pp	4.8%+7.8pp	-3.0%-6.9pp	3.9%
Return on Assets	1.4%+0.2pp	1.3%+0.3pp	1.0%-0.1pp	1.1%-0.6pp	1.7%+0.8pp	0.9%+1.5pp	-0.6%-1.4pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.67+0.2	4.47-0.1	4.61+0.2	4.41+0.4	4.06-0.2	4.27-0.0	4.31+0.4	3.90
FCF Margin	46.4%-4.9pp	51.3%+27.4pp	23.9%-36.7pp	60.6%+6.6pp	54.0%-3.7pp	57.7%+19.8pp	37.8%-23.1pp	61.0%

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Frequently Asked Questions

What is Credit Accep Corp Mich's annual revenue?

Credit Accep Corp Mich (CACC) reported $2.3B in total revenue for fiscal year 2025. This represents a 7.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Credit Accep Corp Mich's revenue growing?

Credit Accep Corp Mich (CACC) revenue grew by 7.2% year-over-year, from $2.2B to $2.3B in fiscal year 2025.

Is Credit Accep Corp Mich profitable?

Yes, Credit Accep Corp Mich (CACC) reported a net income of $423.9M in fiscal year 2025, with a net profit margin of 18.3%.

What is Credit Accep Corp Mich's net profit margin?

Credit Accep Corp Mich (CACC) had a net profit margin of 18.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Credit Accep Corp Mich's return on equity (ROE)?

Credit Accep Corp Mich (CACC) has a return on equity of 27.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Credit Accep Corp Mich's free cash flow?

Credit Accep Corp Mich (CACC) generated $1.1B in free cash flow during fiscal year 2025. This represents a -7.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Credit Accep Corp Mich's operating cash flow?

Credit Accep Corp Mich (CACC) generated $1.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Credit Accep Corp Mich's total assets?

Credit Accep Corp Mich (CACC) had $8.6B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Credit Accep Corp Mich's capital expenditures?

Credit Accep Corp Mich (CACC) invested $1.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Credit Accep Corp Mich buy back shares?

Yes, Credit Accep Corp Mich (CACC) spent $725.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Credit Accep Corp Mich have outstanding?

Credit Accep Corp Mich (CACC) had 11M shares outstanding as of fiscal year 2025.

What is Credit Accep Corp Mich's debt-to-equity ratio?

Credit Accep Corp Mich (CACC) had a debt-to-equity ratio of 4.67 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Credit Accep Corp Mich's return on assets (ROA)?

Credit Accep Corp Mich (CACC) had a return on assets of 4.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Credit Accep Corp Mich's Piotroski F-Score?

Credit Accep Corp Mich (CACC) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Credit Accep Corp Mich's earnings high quality?

Credit Accep Corp Mich (CACC) has an earnings quality ratio of 2.49x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Credit Accep Corp Mich?

Credit Accep Corp Mich (CACC) scores 56 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.