Credit Acceptance financials
$537.10−2.35%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $587.4M | $580.0M | $579.9M | $582.4M | $583.8M | $571.1M | $565.9M | $550.3M | $514.5M | $491.1M | $424.7M | $478.6M |
| Gross profit | $480.0M | $471.6M | $466.1M | $466.1M | $465.7M | $456.4M | $454.6M | $439.1M | $410.0M | $398.6M | $345.9M | $408.1M |
| Gross margin | 81.7% | 81.3% | 80.4% | 80.0% | 79.8% | 79.9% | 80.3% | 79.8% | 79.7% | 81.2% | 81.4% | 85.3% |
| Operating income | $168.6M | $190.8M | $101.3M | $167.5M | $117.8M | $157.8M | $112.4M | $125.0M | -$55.3M | $69.5M | $49.5M | $96.5M |
| Net income | $135.9M | $135.8M | $122.0M | $108.2M | $87.4M | $106.3M | $151.9M | $78.8M | -$47.1M | $64.3M | $93.6M | $70.8M |
| Net margin | 23.1% | 23.4% | 21.0% | 18.6% | 15.0% | 18.6% | 26.8% | 14.3% | −9.2% | 13.1% | 22.0% | 14.8% |
| Diluted EPS | $12.66 | $12.40 | $11.01 | $9.43 | $7.42 | $8.66 | $12.12 | $6.35 | $-3.83 | $5.08 | $7.30 | $5.43 |
| EBITDA | $168.6M | $190.8M | $102.5M | $167.5M | $117.8M | $159.0M | $112.4M | $125.0M | -$55.3M | $69.5M | $51.3M | $96.5M |
| Operating cash flow | $309.5M | $346.8M | $269.3M | $299.4M | $139.7M | $346.2M | $306.2M | $317.7M | $204.0M | $310.0M | $311.2M | $313.4M |
| Free cash flow | $307.9M | $345.5M | $268.9M | $298.8M | $139.4M | $345.9M | $305.5M | $317.3M | $201.2M | $309.7M | $309.5M | $313.3M |
| Diluted shares | 10.7M | 11.0M | 11.1M | 11.5M | 11.8M | 12.3M | 12.5M | 12.4M | 12.3M | 12.6M | 12.8M | 13.0M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.4M | $25.7M | $22.8M | $15.9M | $70.0M | $528.8M |
| Short-term investments | $607.3M | $635.1M | $584.1M | $591.8M | $600.9M | $700.8M |
| Total debt | $6.29B | $6.41B | $6.35B | $6.60B | $6.85B | $7.08B |
| Total assets | $8.62B | $8.69B | $8.63B | $8.64B | $8.72B | $9.26B |
| Total liabilities | $7.03B | $7.18B | $7.11B | $7.06B | $7.17B | $7.55B |
| Shareholders' equity | $1.59B | $1.51B | $1.52B | $1.58B | $1.55B | $1.71B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology