Income Statement

Revenue

+26%

+39%

10Y

Currency: USD

	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	Dec-2025
Revenue
Interest Expense	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	0
Revenue	152 N/A	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%	2 317 +1%
Operating Income
Operating Expenses	(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)	(1 289)
Selling, General & Administrative	(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)	(600)
Depreciation & Amortization	(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	0
Other Operating Expenses	(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)	(689)
Operating Income	66 N/A	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%	1 028 -3%
Pre-Tax Income
Interest Income Expense	(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)	(463)
Non-Reccuring Items	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)	0
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	(24)	(24)	(24)	0	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	(23)	0	0	0
Pre-Tax Income	53 N/A	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%	565 -6%
Net Income
Tax Provision	(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)	(142)
Income from Continuing Operations	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	424
Net Income (Common)	29 N/A	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%	424 -7%
EPS (Diluted)	0.67 N/A	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 -7%	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%	37.1 -6%

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Credit Acceptance Corp
NASDAQ:CACC

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Credit Acceptance Corp

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Credit Acceptance Corp

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Credit Acceptance Corp NASDAQ:CACC

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Credit Acceptance Corp
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Credit Acceptance Corp