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 FY2025 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
CREDIT ACCEPTANCE CORP Q4 FY2025 Financial Summary
CREDIT ACCEPTANCE CORP reported revenue of $579.9M (up 2.5% YoY) for Q4 FY2025, with a net profit of $122.0M (down 19.7% YoY) (21.0% margin).
Key Financial Metrics
| Total Revenue | $579.9M |
|---|---|
| Net Profit | $122.0M |
| Gross Margin | N/A |
| Operating Margin | 27.1% |
| Report Period | Q4 FY2025 |
Revenue Breakdown
CREDIT ACCEPTANCE CORP Q4 FY2025 revenue of $579.9M breaks down across 2 segments, led by Loans Receivable at $553.0M (95.4% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Loans Receivable | $553.0M | 95.4% |
| Other | $26.9M | 4.6% |
CREDIT ACCEPTANCE CORP Revenue by Segment — Quarterly Trend
CREDIT ACCEPTANCE CORP revenue by segment across the last 4 reported quarters, showing how each business line (such as Loans Receivable and Other) has evolved quarter over quarter.
| Segment | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 |
|---|---|---|---|---|
| Loans Receivable | $553.0M | $551.4M | $548.1M | $531.2M |
| Other | $26.9M | $31.0M | $35.7M | $39.9M |
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).
CREDIT ACCEPTANCE CORP Quarterly Revenue & Net Profit History
CREDIT ACCEPTANCE CORP results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $579.9M | +2.5% | $122.0M | 21.0% |
| Q3 FY2025 | $582.4M | +5.8% | $108.2M | 18.6% |
| Q2 FY2025 | $583.8M | +8.5% | $87.4M | 15.0% |
| Q1 FY2025 | $571.1M | +12.4% | $106.3M | 18.6% |
| Q4 FY2024 | $565.9M | +15.1% | $151.9M | 26.8% |
| Q3 FY2024 | $550.3M | +15.0% | $78.8M | 14.3% |
| Q2 FY2024 | $538.2M | +12.6% | $-47.1M | -8.8% |
| Q1 FY2024 | $508.0M | +11.9% | $64.3M | 12.7% |
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 |