CACC - NASDAQ
Credit Acceptance Corporation
$541.58
-3.6%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.
At a Glance
Live SnapshotCredit Acceptance Corporation Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Credit Acceptance Corporation Income Statement
CACC • NASDAQ
| Credit Acceptance Corporation Income Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
2.3B | 2.1B | 1.9B | 1.8B | 1.9B | 1.7B | 1.5B | 1.3B | 1.1B | 965.2M | 823.6M | 722M | 678.9M | 608.5M | 523.4M | 440.5M | 378.5M | 307.3M | 232.6M | 214.4M | |
GROSS PROFIT | ||||||||||||||||||||
(29M) | (802.2M) | (617.4M) | (475M) | (421.1M) | (416.4M) | (419.6M) | (350.4M) | (283M) | (250.2M) | (225.6M) | (196.9M) | (193.1M) | (180.4M) | (150.6M) | (132.5M) | (118.6M) | (114.8M) | (92.1M) | (64.6M) | |
2.3B | 1.3B | 1.3B | 1.3B | 1.4B | 1.2B | 1.1B | 929.6M | 824.2M | 715M | 598M | 525.1M | 485.8M | 428.1M | 372.8M | 308M | 259.9M | 192.4M | 140.5M | 149.8M | |
OPERATING INCOME | ||||||||||||||||||||
(1.2B) | (1B) | (915.1M) | (645.7M) | (174M) | (1.2B) | (211.7M) | (180.3M) | (243.2M) | (187.8M) | (125.2M) | (83.9M) | (90.8M) | (85.7M) | (78.2M) | (56.1M) | (33M) | (85.4M) | (57.4M) | (59.2M) | |
(0.0) | (192.3M) | (178.9M) | (164.3M) | (165.6M) | (139.1M) | (135.3M) | (123.4M) | (113.9M) | (97.6M) | (83.7M) | (71.1M) | (68.9M) | (61.7M) | (49.2M) | (46.1M) | (45.2M) | (44.3M) | (44.7M) | (53.1M) | |
1.1B | 325.1M | 347.3M | 702.3M | 1.3B | 0.0 | 848.1M | 749.3M | 581M | 527.2M | 472.8M | 441.2M | 395M | 342.4M | 294.6M | 251.9M | 226.9M | 107M | 83.1M | 90.6M | |
PRE-TAX INCOME | ||||||||||||||||||||
(462.9M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (196.2M) | (156.6M) | (120.2M) | (97.7M) | (76M) | (56.7M) | (65M) | (63.4M) | (57.2M) | (47.8M) | (32.4M) | (0.0) | (0.0) | (0.0) | |
1.7B | 26.2M | 19.7M | 6.6M | 1.2M | 2.9M | -187.7M | -151.6M | -118M | -96M | -76M | -56.7M | -65M | -63.4M | -57.2M | -47.6M | -32M | 2M | 3M | 1.8M | |
(1.2B) | (814.7M) | (736.2M) | (481.4M) | (8.4M) | (1.1B) | (76.4M) | (56.9M) | (129.3M) | (90.2M) | (41.5M) | (12.8M) | (21.9M) | (24M) | (29M) | (10M) | -12.2M | (41.1M) | (12.7M) | (6.1M) | |
-538.3M | 4.4M | 20.3M | 9.4M | 5.1M | 549.5M | 7.8M | 5.8M | 2.8M | 4M | 1.7M | -20.3M | 3.2M | 700K | 1.8M | 1.6M | 2.2M | -25K | 69K | -6K | |
565.4M | 329.5M | 367.6M | 711.7M | 1.3B | 549.5M | 855.9M | 755.1M | 583.8M | 531.2M | 474.5M | 420.9M | 398.2M | 343.1M | 296.4M | 253.5M | 229M | 107M | 83.2M | 90.6M | |
NET INCOME | ||||||||||||||||||||
(141.5M) | (81.6M) | (81.5M) | (175.9M) | (302.6M) | (128.5M) | (199.8M) | (181.1M) | (113.6M) | (198.4M) | (174.8M) | (154.7M) | (145.1M) | (123.4M) | (108.4M) | (83.4M) | (83M) | (39.9M) | (29.6M) | (31.8M) | |
423.9M | 247.9M | 286.1M | 535.8M | 958.3M | 421M | 656.1M | 574M | 470.2M | 332.8M | 299.7M | 266.2M | 253.1M | 219.7M | 188M | 170.1M | 146.3M | 67.2M | 54.9M | 58.6M |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 28, 2026 | June 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 03, 2026 | April 03, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 15, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 19, 2025 | November 13, 2025 | 2025 |
Related Guides
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Snapshot
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