Credit Acceptance Corp (CACC)

Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.

Ticker: CACC
Exchange: Nasdaq
Sector: Financial Services
Industry: Credit Services
Market cap: $5.37B
52-week range: $401.90 - $668.86

Valuation

Share price: $529.56 (close of Nov 6, 2026)
P/E (TTM): 16.87x
Price to book: 3.86x
Price to free cash flow: 4.27x
Enterprise value: $12.09B
Book value per share: $137.05

Price performance

Period	Change
1 day	+1.34%
5 days	+13.91%
1 month	-1.31%
3 months	-8.90%
6 months	-1.92%
Year to date	+19.42%
1 year	+27.15%
3 years	+23.14%
5 years	-22.79%
10 years	+216.80%
All time	+19,452.99%

Short interest

As of: Oct 15, 2026
Short % of float: 31.73%
Shares short: 1.01M
Days to cover: 10.74
Change since prior report: +5.05%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 27.82%
Return on assets: 4.91%
Net margin: 18.29%
Revenue growth: 7.16%
Net income growth: 71.00%
Free cash flow growth: -7.31%

Cash flow and balance sheet

Free cash flow yield (TTM): 23.40%
Net debt to EBITDA: 13.17x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $2.32B
Net income: $423.90M
Earnings per share: $37.02
Interest expense: $462.90M
Shares outstanding: 11.45M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$2.32B	$423.90M	$37.02
2024-12-31	$2.16B	$247.90M	$20.12
2023-12-31	$1.90B	$286.10M	$22.09
2022-12-31	$1.83B	$535.80M	$39.50
2021-12-31	$1.86B	$958.30M	$59.57
2020-12-31	$1.67B	$421.00M	$23.57
2019-12-31	$1.49B	$656.10M	$34.71
2018-12-31	$1.29B	$574.00M	$29.52
2017-12-31	$1.11B	$470.20M	$24.12
2016-12-31	$969.20M	$332.80M	$16.37

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	18.29%	27.82%
2024-12-31	11.46%	14.17%
2023-12-31	15.04%	16.31%
2022-12-31	29.24%	32.99%
2021-12-31	51.63%	52.53%
2020-12-31	25.22%	18.28%
2019-12-31	44.06%	27.86%
2018-12-31	44.64%	28.83%
2017-12-31	42.36%	30.62%
2016-12-31	34.34%	28.35%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$22.80M	$1.20B
2024-12-31	$343.70M	$991.40M
2023-12-31	$13.20M	$1.07B
2022-12-31	$7.70M	$825.40M
2021-12-31	$23.30M	$795.10M
2020-12-31	$16.00M	$886.50M
2019-12-31	$187.40M	$1.19B
2018-12-31	$25.70M	$716.30M
2017-12-31	$8.20M	$556.70M
2016-12-31	$14.60M	$541.30M

Free cash flow by year

Period end	Free cash flow	Stock-based compensation
2025-12-31	$1.05B	$50.70M
2024-12-31	$1.14B	$45.00M
2023-12-31	$1.20B	$39.10M
2022-12-31	$1.24B	$36.50M
2021-12-31	$1.06B	$24.80M
2020-12-31	$976.70M	$6.20M
2019-12-31	$785.50M	$7.60M
2018-12-31	$678.80M	$10.30M
2017-12-31	$557.60M	$15.40M
2016-12-31	$501.70M	$7.40M

Investor relations

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-10-29	Sep 2026	$11.94
2026-08-04	Jun 2026	-
2026-05-05	Mar 2026	$10.61
2026-01-29	Dec 2025	$10.30
2025-10-30	Sep 2025	$9.61
2025-07-31	Jun 2025	$9.84
2025-04-30	Mar 2025	$9.55
2025-01-30	Dec 2024	$8.17

Filings and sources

Company website: creditacceptance.com
SEC filings: 10-K, 10-Q and 8-K on EDGAR
Earnings calendar: All upcoming reports

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