Credit Acceptance Corp
CACC Nasdaq· Personal Credit Institutions
Last close · Oct 23, 2026
$545.04
KIRA · Stoqly’s AI analyst, in plain words
- Credit Acceptance Corp had $2.3B of revenue in fiscal 2025, up 7.2% on the year before. Over five years, revenue changed +6.8% a year on average.
- Credit Acceptance Corp made $424M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.3% a year.
- Free cash flow was $1.1B in fiscal 2025, 45.4% of revenue.
- Credit Acceptance Corp returned $725M to shareholders in fiscal 2025, 69% of free cash flow. The diluted share count fell 6.6%.
Market cap
$5.9B
P/E
12.0x
Revenue
$2.3B
Net income
$424M
Free cash flow
$1.1B
Operating margin
—
Credit Acceptance Corp in 30 seconds · fiscal 2025
Are sales growing?
+7.2%
Yes. Sales grew 7.2% last year.
Does it make a profit?
18.3%
Yes. It keeps 18.3% of every sale as profit.
Does profit turn into cash?
45.4%
Yes. 45.4% of sales ends up as free cash.
How is the share priced?
12.0x
One share costs 12.0 times its yearly profit per share.
What Credit Acceptance Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 13, 2026
- Legal name
- CREDIT ACCEPTANCE CORP
- CIK
- 0000885550
Credit Acceptance Corp · CACC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.9B | $1.8B | $1.9B | $2.2B | $2.3B |
| Revenue growth | 11.2% | −1.3% | 3.8% | 13.7% | 7.2% |
| Net income | $958M | $536M | $286M | $248M | $424M |
| Net margin | 51.6% | 29.2% | 15.0% | 11.5% | 18.3% |
| Diluted EPS | $59.52 | $39.32 | $21.99 | $19.88 | $36.38 |
| Cash | |||||
| Cash from operations | $1.1B | $1.2B | $1.2B | $1.1B | $1.1B |
| Capital expenditure | $7.6M | $3.1M | $4.0M | $1.8M | $1.6M |
| Free cash flow | $1.1B | $1.2B | $1.2B | $1.1B | $1.1B |
| FCF margin | 57.2% | 67.4% | 63.1% | 52.5% | 45.4% |
| Share buybacks | $1.5B | $785M | $203M | $313M | $725M |
| Share count change | −10.2% | −15.4% | −4.5% | −4.2% | −6.6% |
| Debt and strength | |||||
| Cash and short-term investments | $23.3M | $7.7M | $13.2M | $344M | $22.8M |
| Loans, net | $6.3B | $6.3B | $7.0B | — | — |
| Shareholders' equity | $1.8B | $1.6B | $1.8B | $1.7B | $1.5B |
| Returns and quality | |||||
| Return on equity | 46.4% | 31.1% | 16.9% | 14.2% | 25.9% |
| Return on tangible equity | 52.5% | 33.0% | 16.3% | 14.2% | 27.8% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$86.8M
10 insiders
Of sales under plans
70%
$60.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Credit Acceptance Corp · CACC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $545.04 a share, the company is worth $5.9B: 12.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000885550). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.