CACC - NASDAQ

Credit Acceptance Corporation

CACC·NASDAQ

$541.58

-3.6%

Financial ServicesFinancial - Credit Services

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

Statements Value Model

At a Glance

Live Snapshot

Market Cap$5.66B

EPS38.2600

P/E Ratio14.16

Earnings Date07/30/2026

9.60B

Assets

-1%

3Y+26.0%

5Y+28.0%

10Y+128.0%

8.07B

Total Liabilities

3Y+34.0%

5Y+56.0%

10Y+165.0%

1.52B

Total Equity

-13%

3Y-6.0%

5Y-34.0%

10Y-57.0%

Credit Acceptance Corporation Funding & Solvency Profile

CACC · NASDAQ

Current Assets

Cash & Cash Equivalents500.70M

Net Receivables67.20M

Inventory0.00

Other Current Assets0.00

Total Current Assets578 M

Non-Current Assets

Property, Plant & Equipment12.60M

Goodwill & Intangible Assets0.00

Long-Term Investments8.01B

Other Non-Current Assets35.80M

Total Non-Current Assets8 B

Total Assets

9.60B

Financial Health Analysis

Current Ratio

0.26x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

5.30x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1606000000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

6% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Credit Acceptance Corporation Balance Sheet

CACC • NASDAQ

Credit Acceptance Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	500.7M	845M	470.9M	417.7M	23.3M	16M	187.4M	25.7M	8.2M	14.6M	6.3M	6.4M	4.2M	9M	4.7M	3.8M	2.2M	3.2M	712K	8.5M
Short-Term Investments	9.6M	9.5M	6.9M	4M	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
Cash & Short-Term Investments	510.3M	854.5M	477.8M	421.7M	23.3M	16M	187.4M	25.7M	8.2M	14.6M	6.3M	6.4M	4.2M	9M	4.7M	3.8M	2.2M	3.2M	712K	8.5M
Net Receivables	67.2M	4.2M	4.3M	8.7M	6.4B	6.9B	6.8B	5.8B	4.6B	3.9B	3.1B	2.5B	2.2B	1.9B	1.6B	1.2B	1.1B	1B	831.3M	637.5M
Accounts Receivables	0.0	0.0	0.0	0.0	6.4B	6.9B	6.7B	5.8B	4.6B	3.9B	3.1B	2.5B	2.2B	1.9B	1.6B	0.0	0.0	0.0	831.3M	637.5M
Other Receivables	67.2M	4.2M	4.3M	8.7M	0.0	0.0	66.2M	7.9M	2.2M	2.3M	10M	1.4M	1.1M	1.1M	506K	12M	4M	1B	0.0	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	973.5M	115.5M	570.2M	513.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	0.0	-858.7M	-482.1M	-430.4M	413.9M	381.3M	336M	305.3M	0.0	226.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	75.2M	46.5M
Total Current Assets	577.5M	0.0	0.0	0.0	6.9B	7.3B	7.3B	6.2B	4.9B	4.2B	3.3B	2.7B	2.4B	2.1B	1.7B	1.3B	1.1B	1.1B	907.2M	692.5M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	12.6M	14.7M	46.5M	51.4M	57.3M	59.4M	59.7M	40.2M	20.5M	18.2M	18.9M	20.9M	22.3M	22.2M	18.5M	16.3M	18.7M	21M	20.1M	16.2M
Goodwill & Intangible Assets	0.0	0.0	0.0	0.0	0.0	0.0	-59.3M	-56.9M	-164.9M	-198.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Long-Term Investments	8B	0.0	0.0	0.0	0.0	0.0	59.3M	56.9M	43.6M	43.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Tax Assets	966.8M	886.5M	783.6M	728.7M	0.0	0.0	322.5M	236.7M	121.3M	154.6M	248.9M	213.4M	157.2M	148.4M	123.4M	108.1M	93.8M	75.1M	64.8M	44.4M
Other Non-Current Assets	35.8M	-901.2M	-830.1M	-780.1M	110.9M	97.4M	-287.4M	-198.6M	33.4M	26.3M	-211.9M	-180.4M	-129.1M	-119.5M	-92.5M	-82M	-78M	-61.5M	-49.9M	-27.9M
Total Non-Current Assets	9B	0.0	0.0	0.0	168.2M	156.8M	94.8M	78.3M	53.9M	44.5M	55.9M	53.9M	50.4M	51.1M	49.4M	42.4M	34.5M	34.6M	35M	32.7M
Other Assets	0.0	9.7B	8.4B	7.6B	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
Total Assets	9.6B	9.7B	8.4B	7.6B	7.1B	7.5B	7.4B	6.2B	5B	4.2B	3.4B	2.8B	2.4B	2.1B	1.8B	1.3B	1.2B	1.1B	942.2M	725.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	175.2M	186.9M	206.6M	188.9M	191.6M	167.5M	127.8M	117.3M	133.7M	112.1M	97.3M	75.3M	77.3M	84.8M	79.8M	78.3M
Accounts Payable	0.0	0.0	0.0	0.0	175M	186.7M	206.4M	186.4M	151.7M	143.9M	127.8M	114.4M	113.8M	105.8M	95.8M	75.3M	77.3M	83.9M	79.8M	78.3M
Other Payables	0.0	0.0	0.0	0.0	200K	200K	200K	-186.4M	-151.7M	-143.9M	0.0	2.9M	19.9M	6.3M	1.5M	0.0	0.0	881K	0.0	0.0
Short Term Debt	2.2B	87.3M	74.1M	1.5B	2.6M	95.9M	11.3M	550M	0.0	749.6M	489.7M	119.5M	362M	150.2M	51.6M	54.6M	110.7M	434.8M	36.3M	92.8M
Capital Lease Obligations (Current)	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	701K	0.0
Tax Payables	0.0	0.0	0.0	0.0	200K	200K	200K	2.5M	39.9M	23.6M	0.0	2.9M	19.9M	6.3M	1.5M	0.0	0.0	881K	0.0	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-171.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	0.0	-87.3M	-74.1M	-1.5B	-2.6M	-95.9M	-217.7M	-738.9M	-191.6M	-893.5M	-617.5M	-236.8M	-475.8M	-256M	-51.6M	-54.6M	-110.7M	-518.8M	-37M	-92.8M
Total Current Liabilities	2.2B	0.0	0.0	0.0	175.2M	186.9M	206.6M	188.9M	191.6M	167.5M	127.8M	117.3M	133.7M	112.1M	97.4M	75.3M	77.3M	84.8M	449.3M	78.3M
NON-CURRENT LIABILITIES
Long Term Debt	4.2B	6.3B	5B	3.1B	4.6B	4.6B	4.5B	3.8B	3.1B	2.6B	1.6B	1.8B	1B	1.1B	0.0	631.1M	396.3M	206.9M	532.1M	392.2M
Deferred Revenue (Non-Current)	74M	75.9M	67.6M	54.4M	0.0	0.0	-5.1B	-4.2B	-191.6M	-167.5M	0.0	-2.1B	-1.7B	1.3B	-599.3M	0.0	0.0	-800.7M	0.0	0.0
Deferred Tax Liabilities (Non-Current)	1.3B	1.2B	1.2B	1.2B	435.2M	391M	322.5M	236.7M	187.4M	273.1M	248.9M	213.4M	157.2M	148.4M	123.4M	108.1M	93.8M	75.1M	64.8M	44.4M
Other Non-Current Liabilities	324.1M	-7.5B	-6.2B	-4.3B	0.0	0.0	529.1M	0.0	151.7M	143.9M	600.7M	0.0	495.7M	256M	0.0	54.6M	110.7M	434.8M	-995K	-1.8M
Total Non-Current Liabilities	5.9B	0.0	0.0	0.0	5.1B	5B	4.9B	4.1B	3.3B	2.9B	2.3B	2B	1.5B	1.4B	1.1B	793.7M	600.7M	716.8M	227.5M	436.6M
Other Liabilities	0.0	8B	6.6B	6B	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
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	1.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.7M	1.8M
Total Liabilities	8.1B	8B	6.6B	6B	5.2B	5.2B	5.1B	4.2B	3.4B	3B	2.5B	2.1B	1.7B	1.5B	1.2B	869M	678M	801.6M	676.7M	514.9M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	-480.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-152.4M	-130.8M	-202.2M	-541K	-66K	-9.5M	-247.1M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	128.2M	1.4B	1B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	100K	100K	100K	100K	100K	200K	200K	200K	200K	200K	200K	200K	200K	200K	256K	273K	311K	306K	302K	302K
Additional Paid-In Capital	403.3M	335.1M	279M	245.7M	197.2M	161.9M	157.7M	154.9M	145.5M	131.7M	100.8M	88.7M	63.2M	53.6M	39.2M	32M	24.9M	11.9M	10.6M	54M
Retained Earnings	1.1B	1.4B	1.5B	1.4B	1.6B	2.1B	2.2B	1.8B	1.4B	1B	827.2M	613.4M	686.9M	568.4M	500.9M	443.3M	474.4M	328.2M	264.1M	403.2M
Accumulated Other Comprehensive Income/Loss	1M	-300K	-1M	-2.9M	200K	1.6M	800K	-300K	-200K	-200K	-100K	-100K	-200K	-100K	6K	-110K	-904K	-2.6M	13K	-36K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	480.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	152.2M	130.4M	201.2M	0.0	0.0	0.0	0.0
Total Stockholders' Equity	1.5B	1.7B	1.8B	1.6B	1.8B	2.3B	2.4B	2B	1.5B	1.2B	928.1M	702.2M	750.1M	621.9M	540M	474.5M	498.2M	337.8M	265.5M	210.3M
Total Equity	1.5B	1.7B	1.8B	1.6B	1.8B	2.3B	6.4B	5.5B	4.3B	3.5B	928.1M	702.2M	750.1M	621.9M	540M	474.5M	498.2M	337.8M	265.5M	210.3M
Minority Interest	0.0	0.0	0.0	0.0	0.0	0.0	4B	3.5B	2.8B	2.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	9.6B	9.7B	8.4B	7.6B	7.1B	7.5B	7.4B	6.2B	5B	4.2B	3.4B	2.8B	2.4B	2.1B	1.8B	1.3B	1.2B	1.1B	942.2M	725.2M
Total Investments	8B	9.5M	6.9M	4M	0.0	0.0	59.3M	56.9M	43.6M	43.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Debt	6.4B	6.4B	5.1B	4.6B	4.6B	4.7B	4.5B	3.8B	3.1B	2.6B	2.1B	1.8B	1.4B	1.3B	997.8M	685.7M	507M	641.7M	532.1M	392.2M
Net Debt	5.9B	5.5B	4.6B	4.2B	4.6B	4.7B	4.4B	3.8B	3.1B	2.6B	2.1B	1.7B	1.4B	1.2B	993.2M	681.9M	504.8M	638.6M	531.4M	383.6M
Shares Outstanding	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004	11,034,004

SEC Filings

CACC - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 11, 2026	May 05, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 05, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 05, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 28, 2026	June 10, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 03, 2026	April 03, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 26, 2026	January 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 20, 2026	January 15, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 19, 2025	November 13, 2025	2025	View Filing

Showing 1 to 10 of 591 filings

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