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

Trailing 12 months to June 30, 2026

Revenue $2.3B +2.6% YoY

Net Income $78.0M -55.8% YoY

EPS (Diluted) $45.37 +31.0% YoY

Free Cash Flow $1.2B +10.2% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Credit Accep Corp Mich (CACC) reported $2.3B in revenue over the twelve months to Jun 30, 2026, up 2.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CACC FY2025 2026-08-29

Credit Acceptance’s rising leverage increasingly outpaces cash conversion as revenue expands, making financing structure the dominant business mechanic through FY2025.

Revenue reached $2.3B by FY2025, yet free-cash-flow margin compressed to 45.4% from its FY2021 level; cash yield did not keep pace with scale. Debt-to-equity reached 4.7x and interest expense rose to $462.9M; together, these figures indicate that expansion increasingly carries a heavier funding cost.

Operating cash flow of $1.1B nearly matched free cash flow of $1.1B in FY2025. With capital expenditures of only $1.6M, cash conversion is not being absorbed by conventional fixed-asset reinvestment; investing and financing flows matter more to the balance-sheet story.

FY2025 share repurchases totaled $725M, making capital returns a substantial use of cash alongside elevated leverage. Total equity fell from $1.8B in FY2021 to $1.5B in FY2025, so the equity cushion narrowed while repurchases continued.

Financial Health Signals

Financial health score not available

Credit Accep Corp Mich does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

6/6

Credit Accep Corp Mich passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

N/A

Credit Accep Corp Mich reported $424 of net income while generating $1.1B in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.

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.

Net Income

$424

YoY+71.0%

5Y CAGR-93.7%

10Y CAGR-74.0%

Credit Accep Corp Mich reported $424 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%

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.

EBITDA

Not reported for fiscal year 2025.

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 as of fiscal year 2025; long-term debt is not reported for that period.

Shares Outstanding

11M

YoY-10.7%

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

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Net Margin

0.0%

YoY0.0pp

5Y CAGR-25.2pp

10Y CAGR-36.3pp

Credit Accep Corp Mich's net profit margin was 0.0% in fiscal year 2025, showing the share of revenue converted to profit. That is unchanged from the prior year.

Return on Equity

0.0%

YoY0.0pp

5Y CAGR-18.3pp

10Y CAGR-32.3pp

Credit Accep Corp Mich's ROE was 0.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. That is unchanged from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

CACC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CACC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$2.3B	$2.3B+7.2%	$2.2B+13.7%	$1.9B+3.8%	$1.8B-1.3%	$1.9B+11.2%	$1.7B+12.1%	$1.5B+15.8%	$1.3B+15.8%	$1.1B+14.5%	$969.2M+17.4%	$825.3M+14.1%	$723.5M+6.1%	$682.1M+12.0%	$609.2M+16.0%	$525.2M
SG&A Expenses	$145.0M	$161.4M+64.9%	$97.9M+12.3%	$87.2M-1.7%	$88.7M-11.6%	$100.3M+44.1%	$69.6M+6.9%	$65.1M+16.9%	$55.7M+0.4%	$55.5M+15.1%	$48.2M+27.5%	$37.8M+10.2%	$34.3M-0.3%	$34.4M+12.8%	$30.5M+19.1%	$25.6M
Interest Expense	$445.9M	$462.9M+10.3%	$419.5M+57.4%	$266.5M+60.0%	$166.6M+1.5%	$164.2M-14.5%	$192.0M-2.1%	$196.2M+25.3%	$156.6M+30.3%	$120.2M+23.0%	$97.7M+28.6%	$76.0M+34.0%	$56.7M-12.8%	$65.0M+2.5%	$63.4M+10.8%	$57.2M
Income Tax	$147.6M	$141.5M+73.4%	$81.6M+0.1%	$81.5M-53.7%	$175.9M-41.9%	$302.6M+135.5%	$128.5M-35.7%	$199.8M+10.3%	$181.1M+59.4%	$113.6M-42.7%	$198.4M+13.5%	$174.8M+13.0%	$154.7M+6.6%	$145.1M+17.6%	$123.4M+13.8%	$108.4M
Net Income	$78.0M	$424+71.0%	$248-13.4%	$286-46.6%	$536-44.1%	$958-100.0%	$421.0M-35.8%	$656.1M+14.3%	$574.0M+22.1%	$470.2M+41.3%	$332.8M+11.0%	$299.7M+12.6%	$266.2M+5.2%	$253.1M+15.2%	$219.7M+16.9%	$188.0M
EPS (Diluted)	$45.37	$36.38+83.0%	$19.88-9.6%	$21.99-44.1%	$39.32-33.9%	$59.52	$23.47-32.1%	$34.57+17.6%	$29.39+22.3%	$24.04+47.4%	$16.31+14.2%	$14.28+19.8%	$11.92+13.1%	$10.54+22.8%	$8.58+21.4%	$7.07

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$587.4M+1.3%	$580.0M0.0%	$579.9M-0.4%	$582.4M-0.2%	$583.8M+2.2%	$571.1M+0.9%	$565.9M+2.8%	$550.3M
SG&A Expenses	$26.1M+5.2%	$24.8M-57.1%	$57.8M+59.2%	$36.3M-19.7%	$45.2M+104.5%	$22.1M+0.5%	$22.0M-24.1%	$29.0M
Interest Expense	$107.4M-0.9%	$108.4M-4.7%	$113.8M-2.1%	$116.3M-1.5%	$118.1M+3.0%	$114.7M+3.1%	$111.3M+0.1%	$111.2M
Income Tax	$32.7M-16.6%	$39.2M+12.0%	$35.0M-14.0%	$40.7M+33.9%	$30.4M-14.1%	$35.4M-11.5%	$40.0M+44.4%	$27.7M
Net Income	$135.9M+0.1%	$135.8M+145.0%	-$301.9M-379.0%	$108.2M+23.8%	$87.4M-17.8%	$106.3M+210.7%	-$96.0M-221.8%	$78.8M
EPS (Diluted)	$12.66+2.1%	$12.40+14.0%	$10.88+15.4%	$9.43+27.1%	$7.42-14.3%	$8.66-29.0%	$12.20+92.1%	$6.35

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

CACC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CACC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$8.6B-2.5%	$8.9B+16.4%	$7.6B+10.2%	$6.9B-2.1%	$7.1B-5.8%	$7.5B+0.9%	$7.4B+19.0%	$6.2B+25.1%	$5.0B+18.2%	$4.2B+25.1%	$3.4B+21.1%	$2.8B+14.5%	$2.4B+14.1%	$2.1B+21.3%	$1.8B
Cash & Equivalents	$22.8M-93.4%	$343.7M+2503.8%	$13.2M+71.4%	$7.7M-67.0%	$23.3M+45.6%	$16.0M-91.5%	$187.4M+629.2%	$25.7M+213.4%	$8.2M-43.8%	$14.6M+131.7%	$6.3M-1.6%	$6.4M+52.4%	$4.2M-53.3%	$9.0M+91.5%	$4.7M
Total Liabilities	$7.1B0.0%	$7.1B+21.3%	$5.9B+10.9%	$5.3B+1.0%	$5.2B+0.8%	$5.2B+2.3%	$5.1B+19.3%	$4.2B+23.1%	$3.4B+13.3%	$3.0B+24.5%	$2.4B+17.3%	$2.1B+23.8%	$1.7B+11.4%	$1.5B+24.0%	$1.2B
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$1.8B+25.9%	$1.4B+11.3%	$1.3B+25.3%	$997.9M
Total Equity	$1.5B-12.9%	$1.7B-0.2%	$1.8B+8.0%	$1.6B-11.0%	$1.8B-20.8%	$2.3B-2.2%	$2.4B+18.3%	$2.0B+29.6%	$1.5B+30.9%	$1.2B+26.5%	$928.1M+32.2%	$702.2M-6.4%	$750.1M+20.6%	$621.9M+15.2%	$540.0M
Retained Earnings	$1.1B-20.9%	$1.4B-4.1%	$1.5B+6.8%	$1.4B-15.1%	$1.6B-23.9%	$2.1B-2.6%	$2.2B+19.6%	$1.8B+32.1%	$1.4B+33.4%	$1.0B+26.0%	$827.2M+34.9%	$613.4M-10.7%	$686.9M+20.8%	$568.4M+13.5%	$500.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$8.6B-0.8%	$8.7B+0.7%	$8.6B-0.1%	$8.6B-1.0%	$8.7B-5.8%	$9.3B+4.6%	$8.9B+2.0%	$8.7B
Cash & Equivalents	$1.4M-94.6%	$25.7M+12.7%	$22.8M+43.4%	$15.9M-77.3%	$70.0M-86.8%	$528.8M+53.9%	$343.7M+115.2%	$159.7M
Total Liabilities	$7.0B-2.0%	$7.2B+1.0%	$7.1B+0.7%	$7.1B-1.5%	$7.2B-5.0%	$7.5B+6.2%	$7.1B+1.0%	$7.0B
Total Equity	$1.6B+4.9%	$1.5B-0.6%	$1.5B-3.5%	$1.6B+1.5%	$1.6B-9.1%	$1.7B-2.2%	$1.7B+6.3%	$1.6B
Retained Earnings	$1.1B-0.2%	$1.1B-3.2%	$1.1B-5.6%	$1.2B+0.1%	$1.2B-12.8%	$1.4B-4.0%	$1.4B+7.1%	$1.3B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

CACC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CACC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$1.2B	$1.1B-7.3%	$1.1B-5.5%	$1.2B-2.8%	$1.2B+15.8%	$1.1B+8.5%	$985.2M+21.3%	$812.3M+15.4%	$703.9M+24.4%	$566.0M+11.6%	$507.2M+25.5%	$404.2M+10.7%	$365.2M+12.1%	$325.7M+5.5%	$308.6M+11.9%	$275.7M
Capital Expenditures	$3.9M	$1.6M-11.1%	$1.8M-55.0%	$4.0M+29.0%	$3.1M-59.2%	$7.6M-10.6%	$8.5M-68.3%	$26.8M+6.8%	$25.1M+198.8%	$8.4M+52.7%	$5.5M+37.5%	$4.0M-7.0%	$4.3M-23.2%	$5.6M-36.4%	$8.8M+39.7%	$6.3M
Free Cash Flow	$1.2B	$1.1B-7.3%	$1.1B-5.3%	$1.2B-2.9%	$1.2B+16.4%	$1.1B+8.7%	$976.7M+24.3%	$785.5M+15.7%	$678.8M+21.7%	$557.6M+11.1%	$501.7M+25.4%	$400.2M+10.9%	$360.9M+12.7%	$320.1M+6.8%	$299.8M+11.3%	$269.4M
Investing Cash Flow	-$552.0M	-$674.3M+60.8%	-$1.7B-21.5%	-$1.4B-207.6%	-$460.6M-205.3%	$437.3M+164.9%	-$673.5M+34.2%	-$1.0B+17.3%	-$1.2B-42.0%	-$871.8M+0.7%	-$878.2M-37.3%	-$639.5M-76.0%	-$363.4M-8.9%	-$333.6M+16.8%	-$400.9M+11.7%	-$454.0M
Financing Cash Flow	-$744.7M	-$724.6M-175.7%	$957.3M+259.6%	$266.2M+133.5%	-$794.6M+45.9%	-$1.5B-239.0%	-$433.2M-208.2%	$400.3M-33.3%	$599.9M+81.6%	$330.3M-24.3%	$436.6M+85.6%	$235.2M+58700.0%	$400K-87.1%	$3.1M-96.8%	$96.6M-46.1%	$179.2M
Share Buybacks	$619.1M	$725.4M+131.5%	$313.3M+54.6%	$202.6M-74.2%	$784.5M-46.7%	$1.5B+206.1%	$480.8M+60.1%	$300.4M+132.7%	$129.1M+4.5%	$123.5M+1.5%	$121.7M+40.7%	$86.5M-74.8%	$343.7M+154.2%	$135.2M-11.3%	$152.5M+16.6%	$130.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$309.5M-10.8%	$346.8M+28.8%	$269.3M-10.1%	$299.4M+114.3%	$139.7M-59.6%	$346.2M+13.1%	$306.2M-3.6%	$317.7M
Capital Expenditures	$1.6M+23.1%	$1.3M+225.0%	$400K-33.3%	$600K+100.0%	$300K0.0%	$300K-57.1%	$700K+75.0%	$400K
Free Cash Flow	$307.9M-10.9%	$345.5M+28.5%	$268.9M-10.0%	$298.8M+114.3%	$139.4M-59.7%	$345.9M+13.2%	$305.5M-3.7%	$317.3M
Investing Cash Flow	-$171.4M+10.8%	-$192.1M-215.4%	-$60.9M+52.3%	-$127.6M+34.3%	-$194.2M+33.4%	-$291.6M-55.8%	-$187.2M+55.8%	-$424.0M
Financing Cash Flow	-$197.4M-89.8%	-$104.0M+49.6%	-$206.5M+12.8%	-$236.8M+52.9%	-$502.3M-327.3%	$221.0M+2178.4%	$9.7M-96.8%	$305.0M
Share Buybacks	$141.4M-21.0%	$178.9M-6.5%	$191.4M+78.2%	$107.4M-59.0%	$262.2M+59.5%	$164.4M+167.8%	$61.4M	$0

Not reported in any period shown, so not listed: Dividends Paid.

CACC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

CACC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-25.2pp	25.2%-18.8pp	44.1%-0.6pp	44.6%+2.3pp	42.4%+8.0pp	34.3%-2.0pp	36.3%-0.5pp	36.8%-0.3pp	37.1%+1.1pp	36.1%+0.3pp	35.8%
Return on Equity	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-18.3pp	18.3%-9.6pp	27.9%-1.0pp	28.8%-1.8pp	30.6%+2.3pp	28.3%-3.9pp	32.3%-5.6pp	37.9%+4.2pp	33.7%-1.6pp	35.3%+0.5pp	34.8%
Return on Assets	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-5.6pp	5.6%-3.2pp	8.8%-0.4pp	9.2%-0.2pp	9.4%+1.5pp	7.9%-1.0pp	8.9%-0.7pp	9.6%-0.8pp	10.4%+0.1pp	10.3%-0.4pp	10.7%
Debt-to-Equity	4.67+0.6x	4.06+0.7x	3.34+0.1x	3.25+0.4x	2.87+0.6x	2.25+0.1x	2.150.0x	2.13-0.1x	2.25-0.3x	2.590.0x	2.63+0.1x	2.50+0.6x	1.86-0.2x	2.01+0.2x	1.85
FCF Margin	45.4%-7.1pp	52.5%-10.5pp	63.1%-4.3pp	67.4%+10.2pp	57.2%-1.3pp	58.5%+5.8pp	52.8%0.0pp	52.8%+2.6pp	50.2%-1.5pp	51.8%+3.3pp	48.5%-1.4pp	49.9%+3.0pp	46.9%-2.3pp	49.2%-2.1pp	51.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	23.1%-0.3pp	23.4%+75.5pp	-52.1%-70.6pp	18.6%+3.6pp	15.0%-3.6pp	18.6%+35.6pp	-17.0%-31.3pp	14.3%
Return on Equity	8.6%-0.4pp	9.0%+28.8pp	-19.8%-26.7pp	6.9%+1.2pp	5.6%-0.6pp	6.2%+11.7pp	-5.5%-10.3pp	4.8%
Return on Assets	1.6%0.0pp	1.6%+5.1pp	-3.5%-4.8pp	1.3%+0.3pp	1.0%-0.1pp	1.1%+2.2pp	-1.1%-2.0pp	0.9%
Debt-to-Equity	4.43-0.3x	4.74+0.1x	4.67+0.2x	4.47-0.1x	4.61+0.2x	4.41+0.4x	4.06-0.2x	4.27
FCF Margin	52.4%-7.2pp	59.6%+13.2pp	46.4%-4.9pp	51.3%+27.4pp	23.9%-36.7pp	60.6%+6.6pp	54.0%-3.7pp	57.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Credit Accep Corp Mich Ranks

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 $424 in fiscal year 2025, with a net profit margin of 0.0%.

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

Credit Accep Corp Mich (CACC) had a net profit margin of 0.0% 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 0.0% 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 0.0% 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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported $424 of net income while generating $1.1B in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. 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.