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Side-by-side financial comparison of CREDIT ACCEPTANCE CORP (CACC) and REV Group, Inc. (REVG). Click either name above to swap in a different company.
REV Group, Inc. is the larger business by last-quarter revenue ($664.4M vs $579.9M, roughly 1.1× CREDIT ACCEPTANCE CORP). CREDIT ACCEPTANCE CORP runs the higher net margin — 21.0% vs 4.3%, a 16.7% gap on every dollar of revenue. On growth, REV Group, Inc. posted the faster year-over-year revenue change (11.1% vs 2.5%). CREDIT ACCEPTANCE CORP produced more free cash flow last quarter ($268.9M vs $53.7M). Over the past eight quarters, CREDIT ACCEPTANCE CORP's revenue compounded faster (6.8% CAGR vs 6.5%).
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...
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CACC vs REVG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $579.9M | $664.4M |
| Net Profit | $122.0M | $28.9M |
| Gross Margin | — | 15.4% |
| Operating Margin | 27.1% | 7.1% |
| Net Margin | 21.0% | 4.3% |
| Revenue YoY | 2.5% | 11.1% |
| Net Profit YoY | -19.7% | -30.7% |
| EPS (diluted) | $10.87 | $0.57 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $579.9M | $664.4M | ||
| Q3 25 | $582.4M | $644.9M | ||
| Q2 25 | $583.8M | $629.1M | ||
| Q1 25 | $571.1M | $525.1M | ||
| Q4 24 | $565.9M | $597.9M | ||
| Q3 24 | $550.3M | $579.4M | ||
| Q2 24 | $538.2M | $616.9M | ||
| Q1 24 | $508.0M | $586.0M |
| Q4 25 | $122.0M | $28.9M | ||
| Q3 25 | $108.2M | $29.1M | ||
| Q2 25 | $87.4M | $19.0M | ||
| Q1 25 | $106.3M | $18.2M | ||
| Q4 24 | $151.9M | $41.7M | ||
| Q3 24 | $78.8M | $18.0M | ||
| Q2 24 | $-47.1M | $15.2M | ||
| Q1 24 | $64.3M | $182.7M |
| Q4 25 | — | 15.4% | ||
| Q3 25 | — | 15.8% | ||
| Q2 25 | — | 15.2% | ||
| Q1 25 | — | 13.3% | ||
| Q4 24 | — | 13.2% | ||
| Q3 24 | — | 13.5% | ||
| Q2 24 | — | 12.5% | ||
| Q1 24 | — | 10.7% |
| Q4 25 | 27.1% | 7.1% | ||
| Q3 25 | 25.6% | 8.8% | ||
| Q2 25 | 20.2% | 7.9% | ||
| Q1 25 | 24.8% | 5.3% | ||
| Q4 24 | 33.9% | 5.8% | ||
| Q3 24 | 19.4% | 4.9% | ||
| Q2 24 | -10.3% | 3.7% | ||
| Q1 24 | 17.0% | -1.1% |
| Q4 25 | 21.0% | 4.3% | ||
| Q3 25 | 18.6% | 4.5% | ||
| Q2 25 | 15.0% | 3.0% | ||
| Q1 25 | 18.6% | 3.5% | ||
| Q4 24 | 26.8% | 7.0% | ||
| Q3 24 | 14.3% | 3.1% | ||
| Q2 24 | -8.8% | 2.5% | ||
| Q1 24 | 12.7% | 31.2% |
| Q4 25 | $10.87 | $0.57 | ||
| Q3 25 | $9.43 | $0.59 | ||
| Q2 25 | $7.42 | $0.38 | ||
| Q1 25 | $8.66 | $0.35 | ||
| Q4 24 | $12.28 | $1.03 | ||
| Q3 24 | $6.35 | $0.35 | ||
| Q2 24 | $-3.83 | $0.28 | ||
| Q1 24 | $5.08 | $3.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $22.8M | $34.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.5B | $416.3M |
| Total Assets | $8.6B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.8M | $34.7M | ||
| Q3 25 | $15.9M | $36.0M | ||
| Q2 25 | $70.0M | $28.8M | ||
| Q1 25 | $528.8M | $31.6M | ||
| Q4 24 | $343.7M | $24.6M | ||
| Q3 24 | $159.7M | $50.5M | ||
| Q2 24 | $8.3M | $38.2M | ||
| Q1 24 | $8.4M | $87.9M |
| Q4 25 | $1.5B | $416.3M | ||
| Q3 25 | $1.6B | $387.3M | ||
| Q2 25 | $1.6B | $357.8M | ||
| Q1 25 | $1.7B | $428.8M | ||
| Q4 24 | $1.7B | $435.1M | ||
| Q3 24 | $1.6B | $394.6M | ||
| Q2 24 | $1.6B | $379.7M | ||
| Q1 24 | $1.7B | $496.1M |
| Q4 25 | $8.6B | $1.2B | ||
| Q3 25 | $8.6B | $1.2B | ||
| Q2 25 | $8.7B | $1.2B | ||
| Q1 25 | $9.3B | $1.2B | ||
| Q4 24 | $8.9B | $1.2B | ||
| Q3 24 | $8.7B | $1.3B | ||
| Q2 24 | $8.3B | $1.3B | ||
| Q1 24 | $8.1B | $1.4B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $269.3M | $76.9M |
| Free Cash FlowOCF − Capex | $268.9M | $53.7M |
| FCF MarginFCF / Revenue | 46.4% | 8.1% |
| Capex IntensityCapex / Revenue | 0.1% | 3.5% |
| Cash ConversionOCF / Net Profit | 2.21× | 2.66× |
| TTM Free Cash FlowTrailing 4 quarters | $1.1B | $190.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $269.3M | $76.9M | ||
| Q3 25 | $299.4M | $60.3M | ||
| Q2 25 | $139.7M | $117.0M | ||
| Q1 25 | $346.2M | $-13.1M | ||
| Q4 24 | $306.2M | $68.6M | ||
| Q3 24 | $317.7M | $14.4M | ||
| Q2 24 | $204.0M | $40.1M | ||
| Q1 24 | $310.0M | $-69.7M |
| Q4 25 | $268.9M | $53.7M | ||
| Q3 25 | $298.8M | $48.7M | ||
| Q2 25 | $139.4M | $105.6M | ||
| Q1 25 | $345.9M | $-18.0M | ||
| Q4 24 | $305.5M | $63.3M | ||
| Q3 24 | $317.3M | $8.5M | ||
| Q2 24 | $203.6M | $34.2M | ||
| Q1 24 | $309.7M | $-80.2M |
| Q4 25 | 46.4% | 8.1% | ||
| Q3 25 | 51.3% | 7.6% | ||
| Q2 25 | 23.9% | 16.8% | ||
| Q1 25 | 60.6% | -3.4% | ||
| Q4 24 | 54.0% | 10.6% | ||
| Q3 24 | 57.7% | 1.5% | ||
| Q2 24 | 37.8% | 5.5% | ||
| Q1 24 | 61.0% | -13.7% |
| Q4 25 | 0.1% | 3.5% | ||
| Q3 25 | 0.1% | 1.8% | ||
| Q2 25 | 0.1% | 1.8% | ||
| Q1 25 | 0.1% | 0.9% | ||
| Q4 24 | 0.1% | 0.9% | ||
| Q3 24 | 0.1% | 1.0% | ||
| Q2 24 | 0.1% | 1.0% | ||
| Q1 24 | 0.1% | 1.8% |
| Q4 25 | 2.21× | 2.66× | ||
| Q3 25 | 2.77× | 2.07× | ||
| Q2 25 | 1.60× | 6.16× | ||
| Q1 25 | 3.26× | -0.72× | ||
| Q4 24 | 2.02× | 1.65× | ||
| Q3 24 | 4.03× | 0.80× | ||
| Q2 24 | — | 2.64× | ||
| Q1 24 | 4.82× | -0.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CACC
| Loans Receivable | $553.0M | 95% |
| Other | $26.9M | 5% |
REVG
| Specialty Vehicles | $507.4M | 76% |
| Recreational Vehicles | $157.2M | 24% |
