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CREDIT ACCEPTANCE CORP

CACC

$554.60 ▼ -8.58 (-1.52%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

CREDIT ACCEPTANCE CORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $6.4B

Dividend Yield —

Revenue Growth 7.2% ↘

Op. Margin 24.4% ↗

ROIC None

FCF / Share None

Trailing P/E 15.0x

Price / Book 3.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 23, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.32B

↑ +7.2% —

Net Income Profit after all expenses

$423.90M

↑ +71.0% —

Operating Margin Operating profit as % of sales

24.4%

↑ +60.1% 81th

Long-Term Debt Long-term obligations

$1.66B

↑ +15.8% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	7.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	-1.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	11.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	12.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	15.8% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+163%)	15.8% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+164%)	14.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+142%)	17.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+191%)	14.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+135%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	12.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	16.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+167%)	18.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+213%)	16.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+169%)	—	—
EPS Growth YoY (%)	84.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-44.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-33.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	152.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-32.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	22.4% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	47.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	12.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	22.7% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	21.0% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	23.5% Good Good Year-over-year change in earnings per share Optimal: > 10%	21.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	71.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.4% Weak ↓ Weak Declining Year-over-year change in net income	-46.6% Weak ↓ Weak Declining Year-over-year change in net income	-44.1% Weak ↓ Weak Declining Year-over-year change in net income	127.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.8% Weak ↓ Weak Declining Year-over-year change in net income	14.3% Fair ↓ Fair Declining Year-over-year change in net income	22.1% Good → Good Stable Year-over-year change in net income	41.3% Excellent ↑ Excellent Improving Year-over-year change in net income	11.0% Fair → Fair Stable Year-over-year change in net income	12.6% Fair → Fair Stable Year-over-year change in net income	5.2% Fair ↓ Fair Declining Year-over-year change in net income	15.2% Good → Good Stable Year-over-year change in net income	16.9% Good ↑ Good Improving Year-over-year change in net income	10.5% Fair Fair Year-over-year change in net income	16.3% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	13.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.4% Good → Good Stable Compound annual revenue growth over 3 years	10.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.6% Excellent Excellent Compound annual revenue growth over 3 years	17.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	15.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	12.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	13.0% Excellent → Excellent Stable Compound annual revenue growth over 5 years	13.3% Excellent Excellent Compound annual revenue growth over 5 years	13.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-2.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-30.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-2.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	26.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	28.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	27.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	26.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.6% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	18.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	18.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	22.4% Excellent Excellent Compound annual EPS growth over 3 years	21.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	24.4% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	19.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	38.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	67.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+172%)	32.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	18.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	11.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	15.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	29.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	51.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+135%)	25.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	44.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	44.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	42.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	34.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	36.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	36.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	37.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	36.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	35.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	38.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	38.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	4.9% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	7.8% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	13.6% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	5.6% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	8.8% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	9.2% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	9.4% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.9% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	8.9% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	9.8% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	10.6% Good → Good Stable Operating profit relative to total assets Optimal: > 10%	10.4% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	11.3% Good Good Operating profit relative to total assets Optimal: > 10%	11.4% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	27.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+132%)	14.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	16.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+36%)	33.0% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+175%)	52.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+338%)	18.3% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+52%)	27.9% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+132%)	28.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+140%)	30.6% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+155%)	28.4% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+136%)	32.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+169%)	35.6% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+196%)	36.7% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+206%)	36.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+206%)	38.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+218%)	35.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+199%)	29.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+145%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	2.22x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+85%)	2.08x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+73%)	2.11x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+76%)	1.96x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+64%)	1.87x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+56%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$202.35	$175.47	$146.83	$135.09	$115.38	$93.47	$78.78	$66.12	$56.93	$47.67	$39.50	$32.51	$28.60	$23.98	$19.97	$15.04	$12.44	—
Basic EPS, GAAP (USD)	$37.02	$20.12	$22.09	$39.50	$59.57	$23.57	$34.71	$29.52	$24.12	$16.37	$14.35	$11.96	$10.61	$8.65	$7.15	$5.79	$4.78	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$142.66	$145.22	$140.05	$127.30	$128.96	$134.71	$128.33	$104.94	$79.53	$59.05	$46.10	$36.34	$30.07	$24.79	$19.25	$16.14	$16.29	—
Tangible Book Value per Share (USD)	$142.66	$145.22	$140.05	$127.30	$128.96	$134.71	$128.33	$104.94	$79.53	$59.05	$46.10	$36.34	$30.07	$24.79	$19.25	$16.14	$16.29	—
Basic Weighted Avg Shares (shares)	11.45M	12.32M	12.95M	13.56M	16.09M	17.86M	18.90M	19.45M	19.50M	20.33M	20.89M	22.26M	23.85M	25.41M	26.30M	29.39M	30.59M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	$1.66B	$1.43B	$1.26B	$969.00M	$886.30M	—	—
Total Equity (USD)	$1.52B	$1.75B	$1.75B	$1.62B	$1.82B	$2.30B	$2.36B	$1.99B	$1.54B	$1.17B	$928.10M	$748.50M	$689.80M	$597.80M	$493.30M	$474.50M	$498.21M	$337.75M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$2.32B	$2.16B	$1.90B	$1.83B	$1.86B	$1.67B	$1.49B	$1.29B	$1.11B	$969.20M	$825.30M	$723.50M	$682.10M	$609.20M	$525.20M	$442.10M	$380.66M	—
Depreciation Expense (USD)	$3.60M	$6.70M	$8.90M	$9.00M	$9.70M	$8.80M	$7.30M	$5.40M	$6.00M	$6.10M	$5.70M	$5.50M	$5.40M	$5.10M	$4.10M	$4.40M	$5.14M	—
Net Income, GAAP (USD)	$423.90M	$247.90M	$286.10M	$535.80M	$958.30M	$421.00M	$656.10M	$574.00M	$470.20M	$332.80M	$299.70M	$266.20M	$253.10M	$219.70M	$188.00M	$170.10M	$146.25M	—
Operating Cash Flow (USD)	$1.05B	$1.14B	$1.20B	$1.24B	$1.07B	$985.20M	$812.30M	$703.90M	$566.00M	$507.20M	$404.20M	$365.20M	$325.70M	$308.60M	$275.70M	$200.70M	$160.36M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Mar 31, 2011 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Premiums Earned (USD)	$95.60M	$96.10M	$79.60M	$62.70M	$60.30M	$57.30M	$51.00M	$46.60M	$41.10M	$43.00M	$48.20M	$52.30M	$51.50M	$47.10M	$40.00M	$32.70M	$33.60M	—
Loss Ratio (%) (%)	75.0%	76.5%	88.8%	74.0%	64.3%	66.1%	59.0%	55.8%	55.2%	60.5%	68.9%	76.5%	79.2%	73.9%	76.0%	71.6%	57.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 18 years · 68 quarters

CREDIT ACCEPTANCE CORP

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