Credit Acceptance Corp
NASDAQ:CACC

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Credit Acceptance Corp
NASDAQ:CACC
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Price: 460.24 USD 1.39% Market Closed
Market Cap: 5.1B USD

Income Statement

Earnings Waterfall
Credit Acceptance Corp

Revenue
2.3B USD
Operating Expenses
-1.2B USD
Operating Income
1.1B USD
Other Expenses
-607.8m USD
Net Income
453.9m USD

Income Statement
Credit Acceptance Corp

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Income Statement
Currency: USD
Dec-2001 Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 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 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Revenue
Interest Expense
15
13
12
10
9
8
7
7
8
9
10
11
12
13
14
15
14
14
16
18
23
28
32
35
37
39
40
42
43
40
38
35
32
36
41
45
48
49
51
54
57
60
60
62
63
64
65
65
65
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
346
387
420
442
455
460
Revenue
147
N/A
152
+3%
153
+1%
159
+4%
159
+0%
157
-1%
155
-2%
148
-4%
141
-5%
156
+11%
164
+5%
173
+6%
172
-1%
194
+12%
200
+3%
206
+3%
201
-2%
207
+3%
211
+2%
215
+2%
219
+2%
224
+2%
227
+1%
233
+3%
240
+3%
253
+6%
270
+7%
289
+7%
312
+8%
329
+5%
347
+5%
367
+6%
381
+4%
396
+4%
416
+5%
427
+3%
442
+4%
462
+5%
481
+4%
503
+5%
525
+4%
544
+4%
566
+4%
588
+4%
609
+4%
632
+4%
649
+3%
666
+3%
682
+2%
694
+2%
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%
2 016
+3%
2 088
+4%
2 162
+4%
2 226
+3%
2 271
+2%
2 303
+1%
Operating Income
Operating Expenses
(86)
(86)
(87)
(93)
(99)
(99)
(98)
(90)
(72)
(87)
(74)
(74)
(76)
(66)
(68)
(72)
(81)
(83)
(85)
(86)
(105)
(109)
(115)
(121)
(120)
(126)
(147)
(152)
(162)
(164)
(143)
(137)
(119)
(124)
(129)
(134)
(141)
(145)
(157)
(163)
(172)
(176)
(179)
(194)
(203)
(208)
(217)
(216)
(219)
(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)
(1 402)
(1 424)
(1 390)
(1 375)
(1 257)
(1 242)
Selling, General & Administrative
(58)
(16)
(32)
(47)
(63)
(64)
(66)
(66)
(58)
(66)
(65)
(68)
(68)
(72)
(74)
(75)
(74)
(77)
(78)
(79)
(94)
(95)
(100)
(103)
(100)
(107)
(111)
(114)
(113)
(113)
(112)
(112)
(112)
(111)
(108)
(108)
(107)
(108)
(111)
(110)
(112)
(119)
(126)
(135)
(144)
(148)
(153)
(153)
(156)
(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)
(475)
(494)
(502)
(511)
(542)
(560)
Depreciation & Amortization
(13)
(13)
(12)
(11)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Other Operating Expenses
(16)
(58)
(44)
(35)
(36)
(34)
(32)
(24)
(13)
(21)
(8)
(6)
(8)
6
6
3
(7)
(6)
(7)
(6)
(11)
(15)
(16)
(17)
(20)
(19)
(36)
(38)
(49)
(51)
(31)
(25)
(7)
(14)
(21)
(25)
(34)
(37)
(46)
(53)
(59)
(58)
(53)
(59)
(59)
(60)
(64)
(62)
(63)
(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)
(925)
(930)
(888)
(863)
(714)
(682)
Operating Income
62
N/A
66
+7%
66
0%
66
N/A
60
-8%
59
-3%
57
-3%
58
+2%
69
+19%
69
0%
90
+30%
99
+9%
96
-2%
127
+32%
133
+4%
134
+1%
120
-10%
123
+2%
126
+2%
130
+3%
114
-12%
114
+0%
112
-2%
112
+0%
120
+7%
127
+6%
124
-3%
137
+11%
150
+9%
166
+10%
204
+23%
230
+13%
261
+14%
272
+4%
286
+5%
293
+2%
301
+3%
317
+5%
324
+2%
340
+5%
354
+4%
368
+4%
387
+5%
394
+2%
407
+3%
424
+4%
432
+2%
451
+4%
463
+3%
470
+1%
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%
614
-3%
665
+8%
773
+16%
852
+10%
1 015
+19%
1 062
+5%
Pre-Tax Income
Interest Income Expense
(15)
(13)
(12)
(10)
(9)
(8)
(7)
(8)
(11)
(12)
(12)
(11)
(10)
(11)
(13)
(14)
(12)
(13)
(15)
(17)
(23)
(28)
(32)
(35)
(37)
(39)
(40)
(42)
(43)
(40)
(38)
(35)
(32)
(36)
(41)
(45)
(48)
(49)
(51)
(54)
(57)
(60)
(61)
(62)
(63)
(64)
(65)
(65)
(65)
(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)
(346)
(387)
(420)
(442)
(455)
(460)
Non-Reccuring Items
0
0
0
0
0
0
(11)
(11)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(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
0
0
0
(1)
(1)
(1)
Gain/Loss on Disposition of Assets
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(24)
(24)
(24)
0
0
0
Total Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(23)
0
0
Pre-Tax Income
47
N/A
53
+12%
54
+3%
56
+3%
51
-7%
50
-2%
39
-22%
40
+1%
59
+48%
57
-2%
78
+36%
88
+12%
86
-1%
116
+35%
120
+3%
120
N/A
108
-10%
111
+2%
111
+1%
112
+1%
91
-19%
86
-5%
80
-8%
77
-4%
83
+8%
88
+6%
84
-4%
96
+14%
107
+12%
125
+17%
166
+32%
195
+18%
229
+17%
236
+3%
245
+4%
248
+1%
254
+2%
268
+6%
272
+1%
286
+5%
296
+4%
308
+4%
327
+6%
332
+2%
343
+3%
359
+5%
368
+2%
386
+5%
398
+3%
383
-4%
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%
244
-25%
255
+4%
330
+29%
385
+17%
559
+45%
600
+8%
Net Income
Tax Provision
(19)
(24)
(24)
(25)
(22)
(18)
(14)
(15)
(27)
(29)
(34)
(38)
(30)
(39)
(43)
(44)
(40)
(41)
(40)
(40)
(32)
(29)
(28)
(27)
(30)
(32)
(30)
(35)
(40)
(47)
(62)
(70)
(83)
(86)
(83)
(85)
(83)
(87)
(95)
(101)
(108)
(113)
(120)
(122)
(123)
(129)
(133)
(139)
(145)
(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)
(62)
(65)
(82)
(95)
(134)
(147)
Income from Continuing Operations
28
29
30
31
30
32
25
25
31
28
44
50
56
77
77
76
68
70
71
72
59
57
52
50
54
56
54
61
67
79
104
125
146
149
162
163
170
181
177
185
188
195
207
210
220
230
235
247
253
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
182
190
248
290
425
454
Net Income (Common)
28
N/A
29
+1%
30
+3%
31
+3%
30
-2%
32
+8%
25
-23%
25
+1%
25
-1%
28
+14%
44
+58%
50
+12%
57
+15%
78
+35%
78
0%
78
+0%
73
-7%
74
+2%
75
+1%
75
+1%
59
-22%
57
-3%
52
-9%
51
-1%
55
+8%
57
+4%
55
-4%
61
+11%
67
+10%
79
+17%
105
+33%
125
+19%
146
+18%
149
+2%
162
+9%
163
+1%
170
+4%
181
+7%
177
-2%
185
+5%
188
+2%
195
+4%
207
+6%
210
+1%
220
+5%
230
+5%
235
+2%
247
+5%
253
+2%
242
-4%
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%
182
-28%
190
+5%
248
+31%
290
+17%
425
+46%
454
+7%
EPS (Diluted)
0.66
N/A
0.67
+2%
0.68
+1%
0.7
+3%
0.69
-1%
0.74
+7%
0.57
-23%
0.57
N/A
0.56
-2%
0.66
+18%
1.07
+62%
1.21
+13%
1.39
+15%
1.96
+41%
1.98
+1%
2
+1%
1.85
-8%
1.91
+3%
2.1
+10%
2.14
+2%
1.67
-22%
1.81
+8%
1.64
-9%
1.59
-3%
1.75
+10%
1.84
+5%
1.77
-4%
1.96
+11%
2.16
+10%
2.52
+17%
3.34
+33%
3.97
+19%
4.61
+16%
4.71
+2%
5.11
+8%
5.72
+12%
5.67
-1%
6.58
+16%
6.78
+3%
7.08
+4%
7.07
0%
7.46
+6%
7.95
+7%
8.39
+6%
8.58
+2%
9.42
+10%
9.78
+4%
10.42
+7%
10.54
+1%
10.31
-2%
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%
14.78
-25%
15.81
+7%
19.88
+26%
23.63
+19%
36.07
+53%
39.56
+10%