Credit Acceptance Corp. CACC
Slide the table for earlier years · "·" marks a figure not available in our data for that year.
What this company does
Written from the business description in CREDIT ACCEPTANCE CORP's annual report to the U.S. Securities and Exchange Commission, filed 13 February 2026. Every sentence was checked against that document before publication.
Growth
Revenue compounded at +6.8% a year over the five years to FY2025 — but profit grew slower: net income at +0.1%, earnings per share at +9.2%.
The share count fell from 0.02B to 0.01B — the buyback concentrates the same profit into fewer slices.
Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.
Profitability
Each USD of equity produced 26 cents of profit this year.
The 17-year record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue $B | 2.3 | 2.2 | 1.9 | 1.8 | 1.9 | 1.7 | 1.5 | 1.3 | 1.1 | 1.0 | 0.8 | 0.7 | 0.7 | 0.6 | 0.5 | 0.4 | 0.4 |
| Operating income $B | 0.6 | 0.3 | 0.4 | 0.7 | 1.3 | 0.5 | 0.9 | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ |
| EBITDA $B | 0.6 | 0.3 | 0.4 | 0.7 | 1.3 | 0.6 | 0.9 | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ |
| Income tax $B | 0.1 | 0.1 | 0.1 | 0.2 | 0.3 | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Net income $B | 0.4 | 0.2 | 0.3 | 0.5 | 1.0 | 0.4 | 0.7 | 0.6 | 0.5 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 |
| Free cash flow $B | 1.1 | 1.1 | 1.2 | 1.2 | 1.1 | 1.0 | 0.8 | 0.7 | 0.6 | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 |
| EPS, diluted $ | 36.38 | 19.88 | 21.99 | 39.32 | 59.52 | 23.47 | 34.57 | 29.39 | 24.04 | 16.31 | 14.28 | 11.92 | 10.54 | 8.58 | 7.07 | 5.67 | 4.62 |
| Dividend / sh $ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ |
| Payout % — not applicable: no dividend | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ROE % | 25.9 | 14.2 | 16.9 | 31.1 | 46.4 | 18.1 | 30.2 | 32.6 | 34.7 | 31.7 | 36.8 | 36.7 | 36.9 | 37.8 | 37.1 | 35.0 | 29.4 |
| Shares out B | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | ◌ |
Slide the table for earlier years. "—" not applicable · "◌" not available in our data.
Company facts, as filed
Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Two checks were skipped: EPS is not tagged before 2009.