Credit Acceptance Corp. CACC
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.
Revenue compounded at +6.8% a year over five years — 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.
Each USD of equity produced 26 cents of profit this year.
| 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 % | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · |
| 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 · "·" marks a figure not available in our data for that year.
Reconciled in 17 of 19 fiscal years. 7 checks could not be computed.