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

Credit Acceptance Corp (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 Acceptance Corp (CACC) 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

Market Cap $5.6B as of Oct 17, 2026

Price / Sales 2.4x on $2.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 72.0x on $78.0M net income, trailing 12 months to June 30, 2026

Price / Book 3.5x on $1.6B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 17, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CACC SEC filings page.

Credit Acceptance Corp (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 2026-10-03

Revenue expanded, but cash generation barely moved while liabilities grew faster than assets, making balance-sheet leverage central to how this business operates.

Revenue expanded 24.8% from FY2021 through FY2025 while operating cash flow edged lower, so growth did not translate into greater cash production. In FY2025, free cash flow nearly matched operating cash flow, indicating that the weak cash-growth pattern is not primarily caused by heavy capital spending.

Liabilities expanded about 36.0% across FY2021-FY2025, versus roughly 22.4% growth in assets, increasing the balance sheet’s dependence on liabilities. The debt-to-equity ratio consequently rose from 2.9x to 4.7x, a materially more leveraged structure.

FY2025 free cash flow was approximately $1.1B against capital expenditures of only $1.6M, showing a low reinvestment burden relative to reported cash generation. Financing cash outflow of $724.6M closely matched share repurchases of $725.4M, linking much of the financing movement to capital returns rather than operating investment.

Financial Health Signals

Financial health score not available

Credit Acceptance Corp 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 Acceptance Corp 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 Acceptance Corp 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

$587.4M

YoY+0.6%

QoQ+1.3%

5Y CAGR+4.5%

10Y CAGR+9.4%

Credit Acceptance Corp generated $587.4M in revenue in Q2 2026. This represents an increase of 0.6% from the same quarter a year earlier. Against the prior quarter it is up 1.3%.

Net Income

$135.9M

YoY+55.5%

QoQ+0.1%

5Y CAGR-14.0%

10Y CAGR+4.8%

Credit Acceptance Corp reported $135.9M in net income in Q2 2026. This represents an increase of 55.5% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

EPS (Diluted)

$12.66

YoY+70.6%

QoQ+2.1%

5Y CAGR-5.9%

10Y CAGR+11.7%

Credit Acceptance Corp earned $12.66 per diluted share (EPS) in Q2 2026. This represents an increase of 70.6% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$307.9M

YoY+120.9%

QoQ-10.9%

5Y CAGR-2.0%

10Y CAGR+8.5%

Credit Acceptance Corp generated $307.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 120.9% from the same quarter a year earlier. Against the prior quarter it is down 10.9%.

Cash & Debt

$1.4M

YoY-98.0%

QoQ-94.6%

5Y CAGR-67.5%

10Y CAGR-37.7%

Credit Acceptance Corp held $1.4M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

10M

YoY-7.6%

QoQ-0.8%

5Y CAGR-7.9%

10Y CAGR-6.5%

Credit Acceptance Corp had 10M shares outstanding in Q2 2026. This represents a decrease of 7.6% from the same quarter a year earlier. Against the prior quarter it is down 0.8%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

23.1%

YoY+8.2pp

QoQ-0.3pp

5Y change-38.0pp

10Y change-12.5pp

Credit Acceptance Corp's net profit margin was 23.1% in Q2 2026, showing the share of revenue converted to profit. This is up 8.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.3 percentage points.

Return on Equity

8.6%

YoY+2.9pp

QoQ-0.4pp

5Y change-3.5pp

10Y change+0.7pp

Credit Acceptance Corp's ROE was 8.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$141.4M

YoY-46.1%

QoQ-21.0%

5Y CAGR-11.1%

Credit Acceptance Corp spent $141.4M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 46.1% from the same quarter a year earlier. Against the prior quarter it is down 21.0%.

Capital Expenditures

$1.6M

YoY+433.3%

QoQ+23.1%

5Y CAGR-7.0%

10Y CAGR+2.9%

Credit Acceptance Corp invested $1.6M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 433.3% from the same quarter a year earlier. Against the prior quarter it is up 23.1%.

R&D Spending

Not reported for Q2 2026.

CACC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CACC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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 (Basic)	N/A	$37.02+84.0%	$20.12-8.9%	$22.09-44.1%	$39.50-33.7%	$59.57+152.7%	$23.57-32.1%	$34.71+17.6%	$29.52+22.4%	$24.12+47.3%	$16.37+14.1%	$14.35+20.0%	$11.96+12.7%	$10.61+22.7%	$8.65+21.0%	$7.15
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
Diluted Shares (Avg)	N/A	12M-6.6%	12M-4.2%	13M-4.5%	14M-15.4%	16M	18M-5.5%	19M-2.8%	20M-0.1%	20M-4.2%	20M-2.7%	21M-6.0%	22M-7.0%	24M-6.2%	26M-3.8%	27M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$587.4M+0.6%	$580.0M+1.6%	$579.9M+2.5%	$582.4M+5.8%	$583.8M+8.5%	$571.1M+12.4%	$565.9M+15.1%	$550.3M+15.0%
SG&A Expenses	$26.1M-42.3%	$24.8M+12.2%	$57.8M+162.7%	$36.3M+25.2%	$45.2M+94.8%	$22.1M-6.8%	$22.0M-19.7%	$29.0M+36.2%
Interest Expense	$107.4M-9.1%	$108.4M-5.5%	$113.8M+2.2%	$116.3M+4.6%	$118.1M+13.0%	$114.7M+24.0%	$111.3M+41.2%	$111.2M+57.7%
Income Tax	$32.7M+7.6%	$39.2M+10.7%	$35.0M-12.5%	$40.7M+46.9%	$30.4M+470.7%	$35.4M+60.2%	$40.0M+75.4%	$27.7M+7.8%
Net Income	$135.9M+55.5%	$135.8M+27.8%	-$301.9M-214.5%	$108.2M+37.3%	$87.4M+285.6%	$106.3M+65.3%	-$96.0M+50.1%	$78.8M+11.3%
EPS (Basic)	$12.97+71.8%	$12.64+43.8%	$11.07-10.3%	$9.62+49.8%	$7.55+297.1%	$8.79+70.7%	$12.34+69.0%	$6.42+17.4%
EPS (Diluted)	$12.66+70.6%	$12.40+43.2%	$10.88-10.8%	$9.43+48.5%	$7.42+293.7%	$8.66+70.5%	$12.20+68.0%	$6.35+16.9%
Diluted Shares (Avg)	11M-8.8%	11M-10.8%	N/A	11M-7.6%	12M-4.2%	12M-2.9%	N/A	12M-4.8%

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

CACC Balance Sheet

CACC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$8.6B-1.2%	$8.7B-6.1%	$8.6B-2.5%	$8.6B-0.5%	$8.7B+5.7%	$9.3B+14.3%	$8.9B+16.4%	$8.7B+17.4%
Cash & Equivalents	$1.4M-98.0%	$25.7M-95.1%	$22.8M-93.4%	$15.9M-90.0%	$70.0M+743.4%	$528.8M+6195.2%	$343.7M+2503.8%	$159.7M+5051.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$7.0B-1.9%	$7.2B-4.9%	$7.1B0.0%	$7.1B+0.4%	$7.2B+7.0%	$7.5B+17.1%	$7.1B+21.3%	$7.0B+23.5%
Total Equity	$1.6B+2.2%	$1.5B-11.5%	$1.5B-12.9%	$1.6B-4.1%	$1.6B0.0%	$1.7B+3.6%	$1.7B-0.2%	$1.6B-3.2%
Retained Earnings	$1.1B-8.7%	$1.1B-20.2%	$1.1B-20.9%	$1.2B-10.3%	$1.2B-4.7%	$1.4B+0.6%	$1.4B-4.1%	$1.3B-7.8%

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

CACC Cash Flow Statement

CACC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$3.6M-46.3%	$6.7M-24.7%	$8.9M-1.1%	$9.0M-7.2%	$9.7M+10.2%	$8.8M+20.5%	$7.3M+35.2%	$5.4M-10.0%	$6.0M-1.6%	$6.1M+7.0%	$5.7M+3.6%	$5.5M+1.9%	$5.4M+5.9%	$5.1M+24.4%	$4.1M
Stock-Based Compensation	N/A	$50.7M+12.7%	$45.0M+15.1%	$39.1M+7.1%	$36.5M+47.2%	$24.8M+300.0%	$6.2M-18.4%	$7.6M-26.2%	$10.3M-33.1%	$15.4M+108.1%	$7.4M-40.3%	$12.4M-19.0%	$15.3M+80.0%	$8.5M-30.3%	$12.2M+542.1%	$1.9M
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$309.5M+121.5%	$346.8M+0.2%	$269.3M-12.1%	$299.4M-5.8%	$139.7M-31.5%	$346.2M+11.7%	$306.2M-1.6%	$317.7M+1.4%
Depreciation & Amortization	$700K-22.2%	$700K-41.7%	$700K-41.7%	$800K-38.5%	$900K-55.0%	$1.2M-45.5%	$1.2M-47.8%	$1.3M-40.9%
Stock-Based Compensation	$8.7M-31.5%	$11.3M-12.4%	N/A	$12.1M+13.1%	$12.7M+19.8%	$12.9M+18.3%	N/A	$10.7M+15.1%
Capital Expenditures	$1.6M+433.3%	$1.3M+333.3%	$400K-42.9%	$600K+50.0%	$300K-25.0%	$300K0.0%	$700K-58.8%	$400K+300.0%
Free Cash Flow	$307.9M+120.9%	$345.5M-0.1%	$268.9M-12.0%	$298.8M-5.8%	$139.4M-31.5%	$345.9M+11.7%	$305.5M-1.3%	$317.3M+1.3%
Investing Cash Flow	-$171.4M+11.7%	-$192.1M+34.1%	-$60.9M+67.5%	-$127.6M+69.9%	-$194.2M+63.1%	-$291.6M+50.1%	-$187.2M+45.7%	-$424.0M-17.8%
Financing Cash Flow	-$197.4M+60.7%	-$104.0M-147.1%	-$206.5M-2228.9%	-$236.8M-177.6%	-$502.3M-284.7%	$221.0M-40.4%	$9.7M-85.4%	$305.0M+319.5%
Share Buybacks	$141.4M-46.1%	$178.9M+8.8%	$191.4M+211.7%	$107.4M	$262.2M+331.3%	$164.4M-14.0%	$61.4M+14.6%	$0-100.0%

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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CACC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Asset Turnover	0.270.0x	0.240.0x	0.250.0x	0.270.0x	0.260.0x	0.220.0x	0.200.0x	0.210.0x	0.220.0x	0.230.0x	0.240.0x	0.260.0x	0.280.0x	0.290.0x	0.30
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	23.1%+8.2pp	23.4%+4.8pp	-52.1%-35.1pp	18.6%+4.3pp	15.0%+23.7pp	18.6%+5.9pp	-17.0%+22.2pp	14.3%-0.5pp
Return on Equity	8.6%+2.9pp	9.0%+2.8pp	-19.8%-14.3pp	6.9%+2.1pp	5.6%+8.6pp	6.2%+2.3pp	-5.5%+5.5pp	4.8%+0.6pp
Return on Assets	1.6%+0.6pp	1.6%+0.4pp	-3.5%-2.4pp	1.3%+0.3pp	1.0%+1.6pp	1.1%+0.4pp	-1.1%+1.4pp	0.9%0.0pp
Debt-to-Equity	4.43-0.2x	4.74+0.3x	4.67+0.6x	4.47+0.2x	4.61+0.3x	4.41+0.5x	4.06+0.7x	4.27+0.9x
Asset Turnover	0.070.0x	0.070.0x	0.070.0x	0.070.0x	0.070.0x	0.060.0x	0.060.0x	0.060.0x
FCF Margin	52.4%+28.5pp	59.6%-1.0pp	46.4%-7.6pp	51.3%-6.4pp	23.9%-14.0pp	60.6%-0.4pp	54.0%-9.0pp	57.7%-7.8pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Credit Acceptance Corp CACC	FY2025	$2.3B	$424	0.0%	$5.6B	—
Upstart Holdings, Inc. UPST	FY2025	$1.0B	$53.6M	5.1%	$2.3B	25/100
FirstCash Holdings, Inc. FCFS	FY2025	$3.7B	$330.4M	9.0%	$9.3B	45/100
OneMain Holdings, Inc. OMF	FY2025	$4.9B	$783.0M	16.0%	$6.4B	11/100
SLM Corporation SLM	FY2025	$2.0B	$744.8M	37.5%	$4.1B	13/100
Nelnet, Inc. NNI	FY2025	$851.5M	$428.5M	50.3%	$4.6B	23/100

Where Credit Acceptance Corp Ranks

Frequently Asked Questions

What is Credit Acceptance Corp's annual revenue?

Credit Acceptance Corp (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 Acceptance Corp's revenue growing?

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

Is Credit Acceptance Corp profitable?

Yes, Credit Acceptance Corp (CACC) reported a net income of $424 in fiscal year 2025, with a net profit margin of 0.0%.

What is Credit Acceptance Corp's net profit margin?

Credit Acceptance Corp (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 Acceptance Corp's return on equity (ROE)?

Credit Acceptance Corp (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 Acceptance Corp's free cash flow?

Credit Acceptance Corp (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 Acceptance Corp's operating cash flow?

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

What are Credit Acceptance Corp's total assets?

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

What are Credit Acceptance Corp's capital expenditures?

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

Does Credit Acceptance Corp buy back shares?

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

How many shares does Credit Acceptance Corp have outstanding?

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

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

Credit Acceptance Corp (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 Acceptance Corp's return on assets (ROA)?

Credit Acceptance Corp (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 Acceptance Corp's P/E ratio?

Credit Acceptance Corp (CACC) trades at 72.0x earnings, its market capitalization divided by net income of $78.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $5.6B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Credit Acceptance Corp's price-to-sales ratio?

Credit Acceptance Corp (CACC) trades at 2.4x sales, its market capitalization divided by revenue of $2.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $5.6B as of Oct 17, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Credit Acceptance Corp's Piotroski F-Score?

Credit Acceptance Corp (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 Acceptance Corp's earnings high quality?

Credit Acceptance Corp (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.