CREDIT ACCEPTANCE CORP financial data

Symbol
CACC on Nasdaq
Location
Southfield, MI
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 13 Feb 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 454% % 9.8%
Return On Equity 27% % 77%
Return On Assets 4.8% % 64%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 10,747,682 shares -11%
Common Stock, Shares, Outstanding 10,680,143 shares -11%
Entity Public Float $2,842,500,000 USD -11%
Common Stock, Value, Issued $100,000 USD 0%
Weighted Average Number of Shares Outstanding, Basic 11,451,578 shares -7.1%
Weighted Average Number of Shares Outstanding, Diluted 11,650,773 shares -6.6%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $2,317,200,000 USD 7.2%
Selling and Marketing Expense $101,400,000 USD 7.4%
General and Administrative Expense $161,400,000 USD 65%
Costs and Expenses $1,751,800,000 USD -4.4%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $565,400,000 USD 72%
Income Tax Expense (Benefit) $141,500,000 USD 73%
Net Income (Loss) Attributable to Parent $423,900,000 USD 71%
Earnings Per Share, Basic 37.02 USD/shares 84%
Earnings Per Share, Diluted 36.38 USD/shares 83%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $22,800,000 USD -93%
Property, Plant and Equipment, Net $12,600,000 USD -14%
Assets $8,631,700,000 USD -2.5%
Deferred Income Tax Liabilities, Net $354,000,000 USD 11%
Liabilities $7,108,100,000 USD 0.04%
Accumulated Other Comprehensive Income (Loss), Net of Tax $1,000,000 USD
Retained Earnings (Accumulated Deficit) $1,119,200,000 USD -21%
Stockholders' Equity Attributable to Parent $1,523,600,000 USD -13%
Liabilities and Equity $8,631,700,000 USD -2.5%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $346,200,000 USD 12%
Net Cash Provided by (Used in) Financing Activities $221,000,000 USD -40%
Net Cash Provided by (Used in) Investing Activities $291,600,000 USD 50%
Common Stock, Shares Authorized 80,000,000 shares 0%
Common Stock, Shares, Issued 10,680,143 shares -11%
Common Stock, Par or Stated Value Per Share 0.01 USD/shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $275,600,000 USD 185%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $500,700,000 USD -41%
Interest Paid, Excluding Capitalized Interest, Operating Activities $99,500,000 USD 28%
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 0.21 pure 0%
Deferred Tax Assets, Gross $966,800,000 USD 9.1%
Depreciation $1,200,000 USD -45%
Payments to Acquire Property, Plant, and Equipment $300,000 USD 0%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $425,200,000 USD 71%
Lessee, Operating Lease, Liability, to be Paid $2,500,000 USD 47%
Property, Plant and Equipment, Gross $66,400,000 USD -0.3%
Lessee, Operating Lease, Liability, to be Paid, Year Two $700,000 USD 17%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,300,000 USD 30%
Deferred Income Tax Expense (Benefit) $1,600,000 USD -95%
Lessee, Operating Lease, Liability, to be Paid, Year Three $400,000 USD 300%
Preferred Stock, Shares Issued 0 shares
Preferred Stock, Shares Authorized 1,000,000 shares 0%
Unrecognized Tax Benefits $79,400,000 USD 8.8%
Lessee, Operating Lease, Liability, to be Paid, Year Four $100,000 USD
Interest Expense $462,900,000 USD 10%
Preferred Stock, Par or Stated Value Per Share 0.01 USD/shares 0%