Credit Acceptance financials
$537.10−2.35%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.32B | $2.16B | $1.90B | $1.75B | $1.80B | $1.62B | $1.42B | $1.22B | $1.05B | $917.3M |
| Gross profit | $1.85B | $1.74B | $1.64B | $1.58B | $1.64B | $1.43B | $1.22B | $1.07B | $932.4M | $819.6M |
| Gross margin | 80.0% | 80.6% | 86.0% | 90.5% | 90.9% | 88.1% | 86.2% | 87.2% | 88.6% | 89.3% |
| Operating income | $565.4M | $329.5M | $367.6M | $628.3M | $1.21B | $499.9M | $787.3M | $692.7M | $526.4M | $479.3M |
| Net income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M | $421.0M | $656.1M | $574.0M | $470.2M | $332.8M |
| Net margin | 18.3% | 11.5% | 15.0% | 30.6% | 53.2% | 26.0% | 46.2% | 46.9% | 44.7% | 36.3% |
| Diluted EPS | $36.38 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 | $34.57 | $29.39 | $24.04 | $16.31 |
| EBITDA | $566.6M | $329.5M | $369.4M | $628.3M | $1.21B | $507.3M | $789.1M | $692.7M | $526.4M | $479.3M |
| Operating cash flow | $1.05B | $1.14B | $1.20B | $1.24B | $1.07B | $985.2M | $812.3M | $703.9M | $566.0M | $507.2M |
| Free cash flow | $1.05B | $1.14B | $1.20B | $1.24B | $1.06B | $976.7M | $785.5M | $678.8M | $557.6M | $501.7M |
| Diluted shares | 11.7M | 12.5M | 13.0M | 13.6M | 16.1M | 17.9M | 19.0M | 19.5M | 19.6M | 20.4M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $22.8M | $343.7M | $13.2M | $7.7M | $23.3M | $16.0M |
| Short-term investments | $584.1M | $607.7M | $550.9M | $482.3M | $473.0M | $446.3M |
| Total debt | $6.35B | $6.35B | $4.99B | $4.56B | $4.62B | $4.61B |
| Total assets | $8.63B | $8.85B | $7.61B | $6.90B | $7.05B | $7.49B |
| Total liabilities | $7.11B | $7.11B | $5.86B | $5.28B | $5.23B | $5.19B |
| Shareholders' equity | $1.52B | $1.75B | $1.75B | $1.62B | $1.82B | $2.30B |
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