Credit Acceptance CorporationCACCNASDAQ

Revenue (LTM)

$2.3B

+8.6% YoY

Net Income (LTM)

$424M

+71.0% YoY

Free Cash Flow

$1.1B

Revenue CAGR (5Y)

+5.8%

—Marginsstable

FCF$1.1B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	1,851	1,823↓1.5%	1,880↑3.1%	2,134↑13.5%	2,317↑8.6%
Gross Profit	1,430	1,348↓5.7%	1,262↓6.4%	1,332↑5.5%	2,288↑71.8%
Operating Income	1,256	702↓44.1%	347↓50.5%	325↓6.4%	1,104↑239.5%
Net Income	958	536↓44.1%	286↓46.6%	248↓13.4%	424↑71.0%
EBITDA	1,282	728↓43.2%	374↓48.6%	353↓5.6%	1,057↑199.6%
EPS Diluted	59.52	39.32↓33.9%	21.99↓44.1%	19.88↓9.6%	37.55↑88.9%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	23	418↑1692.7%	471↑12.7%	845↑79.4%	501↓40.7%
Total Current Assets	6,883	0	0	0	578
Total Assets	7,051	7,633↑8.3%	8,394↑10.0%	9,741↑16.1%	9,599↓1.5%
Total Current Liabilities	175	0	0	0	2,184
Total Liabilities	5,227	6,009↑15.0%	6,640↑10.5%	7,992↑20.4%	8,075↑1.0%
Total Equity	1,824	1,624↓11.0%	1,754↑8.0%	1,750↓0.2%	1,524↓12.9%
Total Debt	4,619	4,591↓0.6%	5,068↑10.4%	6,353↑25.4%	6,354↑0.0%
Net Debt	4,596	4,173↓9.2%	4,597↑10.2%	5,508↑19.8%	5,853↑6.3%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	1,069	1,239↑15.8%	1,204↓2.8%	1,138↓5.5%	1,055↓7.3%
Capital Expenditure	-8	-3↑59.2%	-4↓29.0%	-2↑55.0%	-2↑11.1%
Free Cash Flow	1,062	1,236↑16.4%	1,200↓2.9%	1,136↓5.3%	1,053↓7.3%
Stock-Based Comp	25	37↑47.2%	39↑7.1%	45↑15.1%	51↑12.7%
Net Change in Cash	38	-17↓143.4%	53↑422.4%	374↑603.2%	-344↓192.0%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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