Credit Acceptance Corp
NASDAQ:CACC
Income Statement
Earnings Waterfall
Credit Acceptance Corp
Revenue
|
2B
USD
|
Operating Expenses
|
-1.3B
USD
|
Operating Income
|
631.8m
USD
|
Other Expenses
|
-380.9m
USD
|
Net Income
|
250.9m
USD
|
Income Statement
Credit Acceptance Corp
Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Revenue |
694
N/A
|
705
+1%
|
714
+1%
|
724
+1%
|
741
+2%
|
764
+3%
|
793
+4%
|
825
+4%
|
859
+4%
|
894
+4%
|
931
+4%
|
969
+4%
|
1 004
+4%
|
1 042
+4%
|
1 079
+4%
|
1 110
+3%
|
1 143
+3%
|
1 182
+3%
|
1 230
+4%
|
1 286
+5%
|
1 344
+5%
|
1 399
+4%
|
1 446
+3%
|
1 489
+3%
|
1 524
+2%
|
1 560
+2%
|
1 608
+3%
|
1 669
+4%
|
1 731
+4%
|
1 797
+4%
|
1 840
+2%
|
1 856
+1%
|
1 861
+0%
|
1 846
-1%
|
1 837
-1%
|
1 832
0%
|
1 831
0%
|
1 851
+1%
|
1 869
+1%
|
1 902
+2%
|
1 956
+3%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(224)
|
(226)
|
(224)
|
(224)
|
(231)
|
(240)
|
(259)
|
(275)
|
(296)
|
(310)
|
(323)
|
(340)
|
(344)
|
(353)
|
(362)
|
(406)
|
(418)
|
(408)
|
(407)
|
(374)
|
(373)
|
(400)
|
(417)
|
(435)
|
(578)
|
(703)
|
(655)
|
(882)
|
(779)
|
(599)
|
(636)
|
(431)
|
(423)
|
(649)
|
(847)
|
(954)
|
(1 092)
|
(1 203)
|
(1 218)
|
(1 266)
|
(1 324)
|
|
Selling, General & Administrative |
(161)
|
(163)
|
(165)
|
(171)
|
(179)
|
(186)
|
(197)
|
(200)
|
(207)
|
(214)
|
(219)
|
(224)
|
(230)
|
(237)
|
(243)
|
(254)
|
(264)
|
(273)
|
(282)
|
(291)
|
(298)
|
(310)
|
(320)
|
(329)
|
(326)
|
(326)
|
(325)
|
(326)
|
(359)
|
(348)
|
(364)
|
(384)
|
(374)
|
(420)
|
(427)
|
(426)
|
(441)
|
(441)
|
(449)
|
(459)
|
(468)
|
|
Other Operating Expenses |
(64)
|
(63)
|
(60)
|
(53)
|
(52)
|
(54)
|
(62)
|
(75)
|
(89)
|
(96)
|
(104)
|
(116)
|
(114)
|
(117)
|
(119)
|
(152)
|
(154)
|
(135)
|
(125)
|
(83)
|
(75)
|
(90)
|
(97)
|
(107)
|
(252)
|
(377)
|
(331)
|
(557)
|
(420)
|
(251)
|
(272)
|
(47)
|
(49)
|
(229)
|
(421)
|
(528)
|
(651)
|
(761)
|
(769)
|
(807)
|
(855)
|
|
Operating Income |
470
N/A
|
479
+2%
|
489
+2%
|
499
+2%
|
510
+2%
|
524
+3%
|
534
+2%
|
551
+3%
|
563
+2%
|
585
+4%
|
608
+4%
|
629
+3%
|
660
+5%
|
688
+4%
|
717
+4%
|
704
-2%
|
724
+3%
|
774
+7%
|
823
+6%
|
912
+11%
|
971
+6%
|
999
+3%
|
1 029
+3%
|
1 054
+2%
|
946
-10%
|
857
-9%
|
953
+11%
|
787
-17%
|
952
+21%
|
1 198
+26%
|
1 205
+1%
|
1 425
+18%
|
1 438
+1%
|
1 197
-17%
|
989
-17%
|
878
-11%
|
739
-16%
|
648
-12%
|
651
+0%
|
636
-2%
|
632
-1%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
(65)
|
(62)
|
(60)
|
(57)
|
(56)
|
(62)
|
(69)
|
(76)
|
(83)
|
(88)
|
(93)
|
(98)
|
(103)
|
(109)
|
(114)
|
(120)
|
(127)
|
(136)
|
(147)
|
(157)
|
(167)
|
(178)
|
(188)
|
(196)
|
(203)
|
(202)
|
(198)
|
(192)
|
(184)
|
(178)
|
(171)
|
(164)
|
(157)
|
(154)
|
(156)
|
(167)
|
(185)
|
(208)
|
(237)
|
(267)
|
(305)
|
|
Non-Reccuring Items |
(22)
|
(22)
|
(22)
|
(22)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(2)
|
(206)
|
(206)
|
(206)
|
(46)
|
159
|
159
|
159
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(2)
|
0
|
|
Pre-Tax Income |
383
N/A
|
395
+3%
|
408
+3%
|
421
+3%
|
454
+8%
|
462
+2%
|
465
+1%
|
475
+2%
|
480
+1%
|
497
+4%
|
516
+4%
|
531
+3%
|
557
+5%
|
579
+4%
|
603
+4%
|
584
-3%
|
597
+2%
|
638
+7%
|
677
+6%
|
755
+12%
|
804
+6%
|
821
+2%
|
842
+3%
|
856
+2%
|
537
-37%
|
449
-16%
|
549
+22%
|
550
+0%
|
927
+69%
|
1 179
+27%
|
1 192
+1%
|
1 261
+6%
|
1 281
+2%
|
1 044
-19%
|
833
-20%
|
712
-15%
|
554
-22%
|
440
-21%
|
414
-6%
|
368
-11%
|
327
-11%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(141)
|
(145)
|
(149)
|
(155)
|
(166)
|
(170)
|
(172)
|
(175)
|
(177)
|
(184)
|
(190)
|
(198)
|
(205)
|
(214)
|
(222)
|
(14)
|
(1)
|
11
|
23
|
(181)
|
(185)
|
(189)
|
(196)
|
(200)
|
(129)
|
(109)
|
(132)
|
(129)
|
(220)
|
(279)
|
(285)
|
(303)
|
(311)
|
(254)
|
(207)
|
(176)
|
(133)
|
(104)
|
(94)
|
(82)
|
(76)
|
|
Income from Continuing Operations |
242
|
250
|
259
|
266
|
288
|
293
|
293
|
300
|
303
|
313
|
325
|
333
|
352
|
366
|
381
|
570
|
597
|
649
|
699
|
574
|
618
|
632
|
646
|
656
|
408
|
340
|
417
|
421
|
707
|
899
|
907
|
958
|
971
|
789
|
626
|
536
|
421
|
336
|
320
|
286
|
251
|
|
Net Income (Common) |
242
N/A
|
250
+3%
|
259
+4%
|
266
+3%
|
288
+8%
|
293
+2%
|
293
N/A
|
300
+2%
|
303
+1%
|
313
+4%
|
325
+4%
|
333
+2%
|
352
+6%
|
366
+4%
|
381
+4%
|
470
+24%
|
497
+6%
|
549
+10%
|
599
+9%
|
574
-4%
|
618
+8%
|
632
+2%
|
646
+2%
|
656
+2%
|
408
-38%
|
340
-17%
|
417
+23%
|
421
+1%
|
707
+68%
|
899
+27%
|
907
+1%
|
958
+6%
|
971
+1%
|
789
-19%
|
626
-21%
|
536
-14%
|
421
-21%
|
336
-20%
|
320
-5%
|
286
-11%
|
251
-12%
|
|
EPS (Diluted) |
10.31
N/A
|
11.02
+7%
|
11.83
+7%
|
11.92
+1%
|
13.77
+16%
|
13.93
+1%
|
13.93
N/A
|
14.28
+3%
|
14.76
+3%
|
15.35
+4%
|
15.94
+4%
|
16.31
+2%
|
17.76
+9%
|
18.76
+6%
|
19.62
+5%
|
23.98
+22%
|
25.48
+6%
|
28.14
+10%
|
30.72
+9%
|
29.43
-4%
|
32.54
+11%
|
33.42
+3%
|
34
+2%
|
34.53
+2%
|
22.41
-35%
|
19.09
-15%
|
23.4
+23%
|
23.51
+0%
|
41.33
+76%
|
53.51
+29%
|
57.4
+7%
|
59.52
+4%
|
67.86
+14%
|
58.46
-14%
|
46.72
-20%
|
39.39
-16%
|
32.13
-18%
|
25.63
-20%
|
24.6
-4%
|
21.99
-11%
|
19.83
-10%
|