CACC · XBRL financial data
Credit Acceptance financial statements, every fiscal year
The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
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
CSVFiscal years (CACC's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Revenue | 1,669 | 1,856 | 1,832 | 1,902 | 2,162 | 2,317 |
| General and administrative | 70 | 100 | 89 | 87 | 98 | 161 |
| Total operating expenses | — | 384 | 426 | 459 | 502 | 600 |
| Interest expense | 192 | 164 | 167 | 267 | 420 | 463 |
| Income tax expense (benefit) | 129 | 303 | 176 | 82 | 82 | 142 |
| Net income (loss) | 421 | 958 | 536 | 286 | 248 | 424 |
| Earnings per share, basic USD per share | 23.57 | 59.57 | 39.50 | 22.09 | 20.12 | 37.02 |
| Earnings per share, diluted USD per share | 23.47 | 59.52 | 39.32 | 21.99 | 19.88 | 36.38 |
| Weighted average shares, basic millions of shares | 18 | 16 | 14 | 13 | 12 | 11 |
| Weighted average shares, diluted millions of shares | 18 | 16 | 14 | 13 | 12 | 12 |
Balance sheet
CSVFiscal years (CACC's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 16 | 23 | 8 | 13 | 344 | 23 |
| Property and equipment, net | 59 | 57 | 51 | 47 | 15 | 13 |
| Total assets | 7,489 | 7,051 | 6,905 | 7,610 | 8,855 | 8,632 |
| Total liabilities | 5,187 | 5,227 | 5,281 | 5,857 | 7,105 | 7,108 |
| Retained earnings | 2,139 | 1,627 | 1,381 | 1,476 | 1,415 | 1,119 |
| Total stockholders' equity | 2,303 | 1,824 | 1,624 | 1,754 | 1,750 | 1,524 |
| Total liabilities and equity | 7,489 | 7,051 | 6,905 | 7,610 | 8,855 | 8,632 |
| Common shares outstanding (cover page) millions of shares | 17 | 14 | 13 | 12 | 12 | 11 |
Cash flows
CSVFiscal years (CACC's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 421 | 958 | 536 | 286 | 248 | 424 |
| Stock-based compensation | 6 | 25 | 37 | 39 | 45 | 51 |
| Net cash from operating activities | 985 | 1,069 | 1,239 | 1,204 | 1,138 | 1,055 |
| Purchases of property and equipment | 9 | 8 | 3 | 4 | 2 | 2 |
| Net cash from investing activities | (674) | 437 | (461) | (1,417) | (1,721) | (674) |
| Proceeds from issuing common stock | 0 | 12 | 15 | 5 | 16 | 24 |
| Share repurchases | 481 | 1,472 | 785 | 203 | 313 | 725 |
| Net cash from financing activities | (433) | (1,469) | (795) | 266 | 957 | (725) |
| Net change in cash | (122) | 38 | (17) | 53 | 374 | (344) |
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.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Credit Acceptance | 1.3 | 595 | 336* | 10.1M | 10-QSep 30, 2026 |
| Bread Financial Holdings | 3,961 | 1,017 | 601* | 38.0M | 10-QSep 30, 2026 |
| Nelnet | 172 | not reported | 78* | not reported | 10-QJun 30, 2026 |
| Enova International | 106 | 1,009 | 536* | 24.5M | 10-QSep 30, 2026 |
| Happen | 15 | 263 | (692)* | 115.2M | 10-QSep 30, 2026 |
| OneMain Holdings | 936 | not reported | not reported | 114.5M | 10-QSep 30, 2026 |
| SLM | 2,165 | not reported | (106)* | 182.8M | 10-QSep 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.