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) Data as of Mar 31, 2026 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).

Rhea AI CACC FY2025 2026-05-05

Credit Acceptance’s model is a cash-generative loan book paired with buyback-heavy capital allocation and an increasingly stretched balance sheet.

Across FY2023-FY2025, operating cash flow stayed around $1.1B even as interest expense climbed to $463M. That combination suggests the loan portfolio still monetizes well in cash terms, but a growing share of those collections is being claimed by funding costs before it can rebuild equity or support shareholder returns.

The company runs with very high leverage: debt-to-equity reached 4.7x in FY2025 while cash was only $22.8M. With total liabilities at $7.1B, this is a balance sheet designed to keep receivables earning, not one built around a large idle cash cushion, so stability depends on continued collections and funding access.

Capital allocation is clearly buyback-first: buybacks absorbed $725M in FY2025, which kept shrinking the share count instead of building liquidity. Because free cash flow eased from $1.20B in FY2023 to $1.05B in FY2025, per-share improvement can look stronger than the underlying cash engine’s recent direction.

Financial Health Signals

Financial health score pending refresh

We are recalculating Credit Accep Corp Mich's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. 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

2487850.91x

For every $1 of reported earnings, Credit Accep Corp Mich generates $2487850.91 in operating cash flow ($1.1B OCF vs $424 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

$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%

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

0.0%

YoY+0.0pp

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. This is up 0.0 percentage points from the prior year.

Return on Equity

0.0%

YoY+0.0pp

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. This is up 0.0 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	$424+71.0%	$248-13.4%	$286-46.6%	$536-44.1%	$958-100.0%	$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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$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+2.2%	$538.2M
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	$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+25.0%	$23.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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+6.4%	$104.5M
Income Tax	$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+437.8%	-$8.2M
Net Income	$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+267.3%	-$47.1M
EPS (Diluted)	$12.40	N/A	$9.43+27.1%	$7.42-14.3%	$8.66	N/A	$6.35+265.8%	$-3.83

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$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+5.2%	$8.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+1824.1%	$8.3M
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	$7.2B+1.0%	$7.1B+0.7%	$7.1B-1.5%	$7.2B-5.0%	$7.5B+6.2%	$7.1B+1.0%	$7.0B+5.0%	$6.7B
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-0.6%	$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
Retained Earnings	$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+6.3%	$1.2B

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$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+55.7%	$204.0M
Capital Expenditures	$1.3M+225.0%	$400K-33.3%	$600K+100.0%	$300K0.0%	$300K-57.1%	$700K+75.0%	$400K0.0%	$400K
Free Cash Flow	$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+55.8%	$203.6M
Investing Cash Flow	-$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+19.4%	-$526.0M
Financing Cash Flow	-$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+12.1%	$272.0M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$178.9M-6.5%	$191.4M+78.2%	$107.4M-59.0%	$262.2M+59.5%	$164.4M+167.8%	$61.4M	$0-100.0%	$60.8M

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	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%-25.2pp	25.2%
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%
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%
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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	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%+23.1pp	-8.8%
Return on Equity	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%+7.8pp	-3.0%
Return on Assets	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%+1.5pp	-0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.74+0.1	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
FCF Margin	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%+19.8pp	37.8%

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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 $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) has an earnings quality ratio of 2487850.91x, 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.