CREDIT ACCEPTANCE CORP financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
CACC on Nasdaq
Location
Southfield, MI
Fiscal year end
31 December
Latest financial report
13 Feb 2026

Latest SEC snapshot (2026-02-06) highlights Return On Equity 25.9%, Return On Assets 4.8%, and Debt-to-equity 4.54x.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

62.3/100

Balanced Confidence medium

Return On Equity

26%

Metric score 100.0/100

Return On Assets

4.8%

Metric score 35.6/100

Financial Health

Debt to Equity
4.54x

Strengths

Return On Equity and NetIncomeLoss YoY

Watchpoints

Return On Assets and Debt-to-equity

Key metrics snapshot

Return On Equity

26%

YoY: +83%

Industry median: 12% (n=16)

View history

Return On Assets

4.8%

YoY: +61%

Industry median: 2.3% (n=16)

View history

Debt-to-equity

4.54x

YoY: +9.8%

Industry median: 4.54x (n=15)

View history

NetIncomeLoss YoY

71%

YoY:

Industry median: 55% (n=15)

View history

Profitability

Metric Latest value YoY change
Return On Equity 26% +83%
Return On Assets 4.8% +61%

Financial Health

Metric Latest value YoY change
Debt-to-equity 4.54x +9.8%

Growth

Metric Latest value YoY change
Revenues YoY 7.2%
NetIncomeLoss YoY 71%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 10,747,682 -11%
Common Stock, Shares, Outstanding 10,680,143 -11%
Common Stock, Value, Issued $100,000 0%
Weighted Average Number of Shares Outstanding, Basic 11,451,578 -7.1%
Weighted Average Number of Shares Outstanding, Diluted 11,650,773 -6.6%

Additional Metrics

Metric Latest value YoY change
Selling and Marketing Expense $101,400,000 +7.4%
General and Administrative Expense $161,400,000 +65%
Costs and Expenses $1,751,800,000 -4.4%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $565,400,000 +72%
Income Tax Expense (Benefit) $141,500,000 +73%
Earnings Per Share, Basic 37.02 +84%
Earnings Per Share, Diluted 36.38 +83%
Cash and Cash Equivalents, at Carrying Value $22,800,000 -93%
Property, Plant and Equipment, Net $12,600,000 -14%
Assets $8,631,700,000 -2.5%
Deferred Income Tax Liabilities, Net $354,000,000 +11%
Liabilities $7,108,100,000 +0.04%
Accumulated Other Comprehensive Income (Loss), Net of Tax $1,000,000
Retained Earnings (Accumulated Deficit) $1,119,200,000 -21%
Stockholders' Equity Attributable to Parent $1,523,600,000 -13%
Liabilities and Equity $8,631,700,000 -2.5%
Share-based Payment Arrangement, Noncash Expense $50,700,000 +13%
Common Stock, Shares Authorized 80,000,000 0%
Common Stock, Shares, Issued 10,680,143 -11%
Common Stock, Par or Stated Value Per Share 0.01 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $500,700,000 -41%
Deferred Tax Assets, Gross $966,800,000 +9.1%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $425,200,000 +71%
Lessee, Operating Lease, Liability, to be Paid $2,500,000 +47%
Property, Plant and Equipment, Gross $66,400,000 -0.3%
Lessee, Operating Lease, Liability, to be Paid, Year Two $700,000 +17%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,300,000 +30%
Lessee, Operating Lease, Liability, to be Paid, Year Three $400,000 +300%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 1,000,000 0%
Unrecognized Tax Benefits $79,400,000 +8.8%
Lessee, Operating Lease, Liability, to be Paid, Year Four $100,000
Interest Expense $462,900,000 +10%
Preferred Stock, Par or Stated Value Per Share 0.01 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%