CACCNasdaqPersonal Credit InstitutionsFiscal year ends December 31

CREDIT ACCEPTANCE CORP

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026

$534.20−6.78 (-1.25%)

Close on Oct 19, 2026

Market cap: $5.73B
P/E (TTM): 11.7
Dividend yield: –

CREDIT ACCEPTANCE CORP income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	2,317	2,162	1,902	1,832	1,856	1,669	1,489	1,286	1,110	969	825	724	682	609	525	442	381
Selling, General & Admin	263	192	179	164	166	139	135	123	114	98	84	71	69	62	49	46	45
Selling & Marketing	101	94	92	76	65	70	70	68	58	49	46	37	35	31	24	20	15
General & Administrative	161	98	87	89	100	70	65	56	56	48	38	34	34	31	26	26	30
Advertising Expenses	3.60	1.40	0.50	1.00	0.30	0.10	0.30	0.20	0.40	0.30	0.30	0.30	0.20	0.20	0.20	0.10	–
Operating Expenses	600	502	459	426	384	–	–	–	–	–	–	–	–	–	–	–	–
Total Costs & Expenses	1,752	1,833	1,534	1,121	595	1,120	633	531	526	438	351	303	284	266	229	189	152
Interest Expense	463	420	267	167	164	192	196	157	120	98	76	57	65	63	57	48	32
Merger & Restructuring Charges	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	1.36	0
Asset Impairment Charges	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1.40	–
Gain (Loss) on Sale of Assets	-24	-24	–	–	–	–	–	–	-0.10	-0.10	-0.30	-0.20	-0.10	0	-0.03	-0.10	-0.10
Pretax Income	565	330	368	712	1,261	550	856	755	584	531	475	421	398	343	296	254	229
Income Tax Expense	142	82	82	176	303	129	200	181	114	198	175	155	145	123	108	83	83
Income from Continuing Operations	–	–	–	–	–	–	–	–	–	–	–	–	–	–	188	170	146
Income from Discontinued Operations	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	-0.03	0.21
Net Income	424	248	286	536	958	421	656	574	470	333	300	266	253	220	188	170	146
EPS (Basic)(per share)	37.02	20.12	22.09	39.50	59.57	23.57	34.71	29.52	24.12	16.37	14.35	11.96	10.61	8.65	7.15	5.79	4.78
EPS (Diluted)(per share)	36.38	19.88	21.99	39.32	59.52	23.47	34.57	29.39	24.04	16.31	14.28	11.92	10.54	8.58	7.07	5.67	4.62
Shares Outstanding (Basic, Weighted)(shares)	11	12	13	14	16	18	19	19	19	20	21	22	24	25	26	29	31
Shares Outstanding (Diluted, Weighted)(shares)	12	12	13	14	16	18	19	20	20	20	21	22	24	26	27	30	32
Provision for Credit Losses	616	815	736	481	8.40	557	76	57	129	90	42	13	22	24	29	10	-12
Premiums Earned	96	96	80	63	60	57	51	47	41	43	48	52	52	47	40	33	34
Policyholder Benefits & Claims	72	74	71	46	39	38	30	26	23	26	33	40	41	35	30	23	19

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 21.5%
Return on equity, FY2025: 25.9%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 11.7
Price to sales: 2.46
Price to book: 3.61
Dividend yield: –