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CACC · XBRL financial data

Credit Acceptance financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

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How these numbers work
  • Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
  • Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
  • * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
  • 0 means a filing states zero; a dash (—) means no filing states that number.
  • “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
  • Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
  • Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
  • Shares outstanding come from each filing's cover page, as of the date printed there.
  • Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

CSV

Fiscal quarters (CACC's year ends in late December)

In millions of dollarsDec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026Sep 30, 2026
Revenue492*508538550566*571584582580*580587595
General and administrative27*24232922*22453658*252627
Total operating expenses114*126124129122*136156147162*141134132
Interest expense79*93105111111*115118116114*108107107
Income tax expense (benefit)23*22(8)2840*35304135*3933(17)
Net income (loss)94*64(47)79152*10687108122*136136(57)
Earnings per share, basic USD per share7.33*5.15(3.83)6.4212.39*8.797.559.6211.18*12.6412.97(5.43)
Earnings per share, diluted USD per share7.29*5.08(3.83)6.3512.12*8.667.429.4311.00*12.4012.66(5.43)
Weighted average shares, basic millions of shares13*12121212*12121111*111010
Weighted average shares, diluted millions of shares13*13121213*12121111*111110

Balance sheet

CSV

Fiscal quarters (CACC's year ends in late December)

In millions of dollarsDec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026Sep 30, 2026
Cash and cash equivalents13881603445297016232611
Property and equipment, net474516151514131313131415
Total assets7,6108,0978,2558,6838,8559,2588,7258,6418,6328,6958,6238,878
Total liabilities5,8576,4456,7017,0377,1057,5477,1707,0627,1087,1817,0347,489
Retained earnings1,4761,3501,2421,3211,4151,3591,1841,1851,1191,0841,081863
Total stockholders' equity1,7541,6521,5551,6471,7501,7111,5551,5791,5241,5141,5891,389
Total liabilities and equity7,6108,0978,2558,6838,8559,2588,7258,6418,6328,6958,6238,878
Common shares outstanding (cover page) millions of shares121212121212111111101010

Cash flows

CSV

Fiscal quarters (CACC's year ends in late December)

In millions of dollarsDec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026Sep 30, 2026
Net income (loss)94*64(47)79152*10687108122*136136(57)
Stock-based compensation10*11111113*13131213*11911
Net cash from operating activities311*310204*318*306*346140*299*269*347310*336*
Purchases of property and equipment2*00*0*1*00*1*0*12*1*
Net cash from investing activities(345)*(584)(526)*(424)*(187)*(292)(194)*(128)*(61)*(192)(171)*(595)*
Proceeds from issuing common stock1*150*0*1*66*11*2*2372*10*
Share repurchases54*19161*0*61*164262*107*191*179141*162*
Net cash from financing activities66*371272*305*10*221(502)*(237)*(207)*(104)(197)*286*
Net change in cash33*97(50)*199*129*276(557)*(65)*2*51(59)*26*

Compare with peers

SIC 6141 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen
  • SIC 6141 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
  • Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
  • * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
  • A cell reading “not reported” means the filings give no figure for that quarter alone.
CompanyCash ($M)Revenue, quarter ($M)Operating cash flow, quarter ($M)Shares outstandingQuarter
Credit Acceptance1.3595336*10.1M 10-QSep 30, 2026
Bread Financial Holdings3,9611,017601*38.0M 10-QSep 30, 2026
Nelnet172not reported78*not reported 10-QJun 30, 2026
Enova International1061,009536*24.5M 10-QSep 30, 2026
Happen15263(692)*115.2M 10-QSep 30, 2026
OneMain Holdings936not reportednot reported114.5M 10-QSep 30, 2026
SLM2,165not reported(106)*182.8M 10-QSep 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.