CACC
Credit Acceptance Corporation
NASDAQ: CACC · FINANCIAL SERVICES · CREDIT SERVICES
$500.62
-3.13% today
Updated 2026-04-29
Market cap
$5.53B
P/E ratio
14.12
P/S ratio
4.46x
EPS (TTM)
$36.40
Dividend yield
—
52W range
$402 – $550
Volume
0.2M
Credit Acceptance Corporation (CACC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $214.40M | $232.60M | $307.26M | $378.50M | $440.50M | $523.40M | $608.50M | $678.90M | $722.00M | $778.70M | $917.30M | $1.05B | $1.22B | $1.48B | $1.67B | $1.85B | $1.82B | $1.90B | $2.13B | $2.32B |
| Revenue growth (YoY) | — | +8.5% | +32.1% | +23.2% | +16.4% | +18.8% | +16.3% | +11.6% | +6.3% | +7.9% | +17.8% | +14.7% | +16.2% | +20.9% | +12.6% | +11.2% | -1.5% | +4.3% | +12.2% | +8.6% |
| Cost of revenue | $64.57M | $92.10M | $114.83M | $118.59M | $132.50M | $150.60M | $180.40M | $193.10M | $196.90M | $225.60M | $250.20M | $283.00M | $350.40M | $419.60M | $416.40M | $421.10M | $475.00M | $583.00M | $802.20M | $29.00M |
| Gross profit | $149.83M | $140.50M | $192.43M | $259.91M | $308.00M | $372.80M | $428.10M | $485.80M | $525.10M | $553.10M | $667.10M | $769.60M | $873.00M | $1.06B | $1.25B | $1.43B | $1.35B | $1.90B | $1.33B | $2.29B |
| Gross margin | 69.9% | 60.4% | 62.6% | 68.7% | 69.9% | 71.2% | 70.4% | 71.6% | 72.7% | 71.0% | 72.7% | 73.1% | 71.4% | 71.6% | 75.0% | 77.2% | 73.9% | 100.0% | 62.4% | 98.7% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| SG&A | $36.48M | $27.20M | $27.54M | $30.39M | $26.40M | $25.60M | $30.50M | $34.40M | $34.30M | $37.80M | $48.20M | $55.50M | $55.70M | $65.10M | $69.60M | $100.30M | $88.70M | $87.20M | $97.90M | $180.20M |
| Operating income | $90.65M | $83.11M | $107.04M | $226.87M | $251.90M | $294.60M | $342.40M | $395.00M | $441.20M | $474.50M | $531.20M | $583.80M | $755.10M | $848.10M | $540.50M | $1.26B | $702.30M | $367.60M | $325.10M | $1.10B |
| Operating margin | 42.3% | 35.7% | 34.8% | 59.9% | 57.2% | 56.3% | 56.3% | 58.2% | 61.1% | 60.9% | 57.9% | 55.5% | 61.7% | 57.3% | 32.5% | 67.8% | 38.5% | 19.3% | 15.2% | 47.6% |
| EBITDA | $90.34M | $79.96M | $111.69M | $236.53M | $262.90M | $304.60M | $354.60M | $408.20M | $454.40M | $488.70M | $546.50M | $600.20M | $774.60M | $870.50M | $576.60M | $1.28B | $727.90M | $367.60M | $352.90M | $1.06B |
| EBITDA margin | 42.1% | 34.4% | 36.4% | 62.5% | 59.7% | 58.2% | 58.3% | 60.1% | 62.9% | 62.8% | 59.6% | 57.0% | 63.3% | 58.8% | 34.6% | 69.3% | 39.9% | 19.3% | 16.5% | 45.6% |
| EBIT | $85.71M | $75.86M | $102.09M | $226.87M | $251.90M | $294.60M | $342.40M | $395.00M | $441.20M | $474.50M | $531.20M | $583.80M | $755.10M | $848.10M | $552.80M | $1.26B | $702.30M | $367.60M | $325.10M | $1.03B |
| Interest expense | $23.33M | $36.67M | $43.19M | $32.40M | $47.75M | $57.24M | $63.40M | $65.00M | $56.70M | $76.00M | $97.70M | $120.20M | $156.60M | $196.20M | $192.00M | $164.30M | $25.60M | $264.50M | — | $462.90M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $58.64M | $54.92M | $67.18M | $146.25M | $170.10M | $188.00M | $219.70M | $253.10M | $266.20M | $299.70M | $332.80M | $470.20M | $574.00M | $656.10M | $421.00M | $958.30M | $535.80M | $286.10M | $247.90M | $423.90M |
| Net income growth (YoY) | — | -6.4% | +22.3% | +117.7% | +16.3% | +10.5% | +16.9% | +15.2% | +5.2% | +12.6% | +11.0% | +41.3% | +22.1% | +14.3% | -35.8% | +127.6% | -44.1% | -46.6% | -13.4% | +71.0% |
| Profit margin | 27.4% | 23.6% | 21.9% | 38.6% | 38.6% | 35.9% | 36.1% | 37.3% | 36.9% | 38.5% | 36.3% | 44.7% | 46.9% | 44.3% | 25.3% | 51.8% | 29.4% | 15.0% | 11.6% | 18.3% |