Company research
CREDIT ACCEPTANCE CORP
CIK 885550Updated Sep 27, 2026
SecurityCACC · NASDAQ · equity
Name history
CREDIT ACCEPTANCE CORPORATION · through Jul 11, 2008
CACC price & chart
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NASDAQ:CACC on TradingView ↗In the news
Credit Acceptance Announces Extension of Revolving Secured Warehouse Facility and Extension of $500.0 Million Asset-Backed Financing ↗
Recent filings
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · Other Events
Items 1.01, 2.03, 8.01, 9.01
Entry into a Material Definitive Agreement · Regulation FD Disclosure
Items 1.01, 7.01, 9.01
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02
144 filing
144 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 8,631,700,000Source | 8,854,600,000Source | 7,610,200,000Source | 6,904,700,000Source |
| Property, Plant and Equipment, NetUSD | 12,600,000Source | 14,700,000Source | 46,500,000Source | 51,400,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 22,800,000Source | 343,700,000Source | 13,200,000Source | 7,700,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 7,108,100,000Source | 7,105,000,000Source | 5,856,500,000Source | 5,280,700,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 100,000Source | 100,000Source | 100,000Source | 100,000Source |
| Retained Earnings (Accumulated Deficit)USD | 1,119,200,000Source | 1,414,700,000Source | 1,475,600,000Source | 1,381,100,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | 1,000,000Source | -300,000Source | -1,000,000Source | -2,900,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,523,600,000Source | 1,749,600,000Source | 1,753,700,000Source | 1,624,000,000Source |
| Additional Paid in Capital, Common StockUSD | 403,300,000Source | 335,100,000Source | 279,000,000Source | 245,700,000Source |
| Liabilities and EquityUSD | 8,631,700,000Source | 8,854,600,000Source | 7,610,200,000Source | 6,904,700,000Source |
| Deferred Income Tax Liabilities, NetUSD | 354,000,000Source | 319,100,000Source | 389,200,000Source | 426,700,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 50,700,000Source | 45,000,000Source | 39,100,000Source | 36,500,000Source |
| Deferred Income Tax Expense (Benefit)USD | 34,600,000Source | -70,400,000Source | -38,000,000Source | -7,700,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 1,054,600,000Source | 1,137,900,000Source | 1,203,800,000Source | 1,238,700,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -674,300,000Source | -1,721,100,000Source | -1,416,800,000Source | -460,600,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 1,600,000Source | 1,800,000Source | 4,000,000Source | 3,100,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 725,400,000Source | 313,300,000Source | 202,600,000Source | 784,500,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -724,600,000Source | 957,300,000Source | 266,200,000Source | -794,600,000Source |
| Proceeds from (Payments for) Other Financing ActivitiesUSD | 1,000,000Source | -17,000,000Source | 6,400,000Source | 16,300,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | -344,300,000Source | 374,100,000Source | 53,200,000Source | -16,500,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 500,700,000Source | 845,000,000Source | 470,900,000Source | 417,700,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 438,400,000Source | 393,400,000Source | 242,100,000Source | 147,300,000Source |
| Income Taxes Paid, NetUSD | 279,300,000Source | 103,700,000Source | 31,900,000Source | 72,700,000Source |
| Additional Financial Items | ||||
| Amortization of Debt Issuance Costs and DiscountsUSD | 23,000,000Source | 21,100,000Source | 17,700,000Source | 16,600,000Source |
| DepreciationUSD | 3,600,000Source | 6,700,000Source | 8,900,000Source | 9,000,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | -23,700,000Source | -23,700,000Source | — | — |
| Gain (Loss) on Extinguishment of DebtUSD | -1,200,000Source | 0Source | -1,800,000Source | 0Source |
| General and Administrative ExpenseUSD | 161,400,000Source | 97,900,000Source | 87,200,000Source | 88,700,000Source |
| Income Tax Expense (Benefit)USD | 141,500,000Source | 81,600,000Source | 81,500,000Source | 175,900,000Source |
| Net Income (Loss) Attributable to ParentUSD | 423,900,000Source | 247,900,000Source | 286,100,000Source | 535,800,000Source |
| Operating ExpensesUSD | 599,900,000Source | 501,500,000Source | 459,100,000Source | — |
| Operating Lease, ExpenseUSD | 2,200,000Source | 2,000,000Source | 1,200,000Source | 1,300,000Source |
| Proceeds from Issuance of Common StockUSD | 23,500,000Source | 15,600,000Source | 5,200,000Source | 15,100,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 12,200,000Source | 9,300,000Source | 8,500,000Source | 24,300,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 616,100,000Source | 814,700,000Source | — | — |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 2,317,200,000Source | 2,162,400,000Source | 1,901,900,000Source | 1,832,400,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 565,400,000Source | 329,500,000Source | 367,600,000Source | 711,700,000Source |
| Income Tax Expense (Benefit)USD | 141,500,000Source | 81,600,000Source | 81,500,000Source | 175,900,000Source |
| Net Income (Loss) Attributable to ParentUSD | 423,900,000Source | 247,900,000Source | 286,100,000Source | 535,800,000Source |
| Earnings Per Share, BasicUSD per share | 37.02Source | 20.12Source | 22.09Source | 39.5Source |
| Earnings Per Share, DilutedUSD per share | 36.38Source | 19.88Source | 21.99Source | 39.32Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 11,451,578Source | 12,323,261Source | 12,953,424Source | 13,563,885Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 11,650,773Source | 12,469,283Source | 13,010,735Source | 13,625,081Source |
| Additional Financial Items | ||||
| Costs and ExpensesUSD | 1,751,800,000Source | 1,832,900,000Source | 1,534,300,000Source | 1,120,700,000Source |
| Current Income Tax Expense (Benefit)USD | 103,900,000Source | 149,000,000Source | 117,300,000Source | 181,200,000Source |
| General and Administrative ExpenseUSD | 161,400,000Source | 97,900,000Source | 87,200,000Source | 88,700,000Source |
| Interest ExpenseUSD | 462,900,000Source | 419,500,000Source | 266,500,000Source | 166,600,000Source |
| Labor and Related ExpenseUSD | 337,100,000Source | 309,200,000Source | 280,200,000Source | 262,000,000Source |
| Operating ExpensesUSD | 599,900,000Source | 501,500,000Source | 459,100,000Source | — |
| Operating Lease, ExpenseUSD | 2,200,000Source | 2,000,000Source | 1,200,000Source | 1,300,000Source |
| Other IncomeUSD | 79,800,000Source | 73,600,000Source | 66,900,000Source | 83,400,000Source |
| Selling and Marketing ExpenseUSD | 101,400,000Source | 94,400,000Source | 91,700,000Source | 75,600,000Source |