CACC
CREDIT ACCEPTANCE CORP
NASDAQ · Financial Services · Financial - Credit Services · US
$498.68
+3.75%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 2.3B | 2.3B | 2.1B | 1.9B | 1.8B |
| Cost of Revenue | 447.8M | 29.0M | 802.2M | 617.4M | 475.0M |
| Gross Profit | 1.9B | 2.3B | 1.3B | 1.3B | 1.3B |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 241.0M | — | 192.3M | 178.9M | 164.3M |
| General & Admin Expense | 153.9M | — | 97.9M | 87.2M | 88.7M |
| Selling & Marketing Expense | 87.1M | — | 94.4M | 91.7M | 75.6M |
| Other Expenses | 753.4M | 1.2B | 814.7M | 736.2M | 481.4M |
| Total Operating Expenses | 994.4M | 1.2B | 1.0B | 915.1M | 645.7M |
| Cost and Expenses | 1.4B | 1.2B | 1.8B | 1.5B | 1.1B |
| Operating Income (EBIT) | 899.7M | 1.1B | 325.1M | 347.3M | 702.3M |
| Non-Operating | |||||
| Interest Income | 2.2B | 2.2B | 26.2M | 19.7M | 6.6M |
| Interest Expense | 436.8M | 462.9M | — | — | — |
| Net Interest Income | 1.8B | 1.7B | 26.2M | 19.7M | 6.6M |
| Other Non-Op Income/Expense | (472.6M) | (538.3M) | 4.4M | 20.3M | 9.4M |
| Non-Operating Income (excl Interest) | 35.8M | 75.4M | — | — | — |
| EBT (Pre-Tax Income) | 427.1M | 565.4M | 329.5M | 367.6M | 711.7M |
| Income Tax Expense | 90.0M | 141.5M | 81.6M | 81.5M | 175.9M |
| Bottom Line | |||||
| Net Income | 337.1M | 423.9M | 247.9M | 286.1M | 535.8M |
| Earnings from Cont. Ops | 337.1M | 423.9M | 247.9M | 286.1M | 535.8M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 337.1M | 423.9M | 247.9M | 286.1M | 535.8M |
| Per Share | |||||
| Basic EPS | $31.36 | $38.26 | $20.12 | $22.09 | $39.50 |
| Diluted EPS | $30.62 | $37.55 | $19.88 | $21.99 | $39.32 |
| Revenue Per Share | $224.82 | $209.17 | $173.20 | $145.12 | $134.40 |
| Shares | |||||
| Basic Shares Outstanding | 10.4M | 11.1M | 12.3M | 13.0M | 13.6M |
| Diluted Shares Outstanding | 10.4M | 11.3M | 12.5M | 13.0M | 13.6M |
| Profitability Metrics | |||||
| EBITDA | 887.5M | 1.1B | 352.9M | 373.9M | 727.9M |
| D&A | 23.6M | 26.6M | 27.8M | 26.6M | 25.6M |
| EBIT | 863.9M | 1.0B | 325.1M | 347.3M | 702.3M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026