CREDIT ACCEPTANCE CORPCACCEarnings & Financial Report
Credit Acceptance Corporation is an auto finance company providing automobile loans and other related financial products. The company operates its financial program through a national network of dealer-partners, the automobile dealers participating in the programs. The company operates two programs: the "Portfolio Program" and the "Purchase Program". Through these programs, the company can advance money to automobile dealers in exchange for the right to service the underlying consumer loans a...
CACC Q4 2025 Key Financial Metrics
Revenue
$579.9M
Gross Profit
N/A
Operating Profit
$157.0M
Net Profit
$122.0M
Gross Margin
N/A
Operating Margin
27.1%
Net Margin
21.0%
YoY Growth
2.5%
EPS
$10.87
Financial Flow
CREDIT ACCEPTANCE CORP Q4 2025 Financial Summary
CREDIT ACCEPTANCE CORP reported revenue of $579.9M for Q4 2025, with a net profit of $122.0M (21.0% margin). Cost of goods sold was N/A, operating expenses totaled N/A.
Key Financial Metrics
| Total Revenue | $579.9M |
|---|---|
| Net Profit | $122.0M |
| Gross Margin | N/A |
| Operating Margin | 27.1% |
| Report Period | Q4 2025 |
CREDIT ACCEPTANCE CORP Annual Revenue by Year
CREDIT ACCEPTANCE CORP annual revenue history includes year-by-year totals (for example, 2025 revenue was $2.3B).
| Year | Annual Revenue |
|---|---|
| 2025 | $2.3B |
| 2024 | $2.2B |
| 2023 | $1.9B |
| 2022 | $1.8B |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $508.0M | $538.2M | $550.3M | $565.9M | $571.1M | $583.8M | $582.4M | $579.9M |
| YoY Growth | 11.9% | 12.6% | 15.0% | 15.1% | 12.4% | 8.5% | 5.8% | 2.5% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $8.10B | $8.26B | $8.68B | $8.85B | $9.26B | $8.72B | $8.64B | $8.63B |
| Liabilities | $6.44B | $6.70B | $7.04B | $7.11B | $7.55B | $7.17B | $7.06B | $7.11B |
| Equity | $1.65B | $1.55B | $1.65B | $1.75B | $1.71B | $1.55B | $1.58B | $1.52B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $310.0M | $204.0M | $317.7M | $306.2M | $346.2M | $139.7M | $299.4M | $269.3M |
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