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Credit Acceptance Corporation (CACC)
Financial Services · Credit Services · NasdaqGS
Credit Acceptance Corporation revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $969.20M | $1.11B | $1.29B | $1.49B | $1.67B | $1.86B | $1.82B | $1.88B | $2.13B | $2.29B |
| Gross profit | — | — | — | — | — | — | $1.35B | $1.26B | $1.33B | $1.42B |
| Net income | $332.80M | $470.20M | $574.00M | $656.10M | $421.00M | $958.30M | $535.80M | $286.10M | $247.90M | $423.90M |
| Net margin | 34.3% | 42.4% | 44.6% | 44.1% | 25.2% | 51.6% | 29.4% | 15.2% | 11.6% | 18.5% |
Source: Credit Acceptance Corporation SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into CACC stock?
At today's market cap of $5.54B, Credit Acceptance Corporation is priced for free-cash-flow growth of about -11.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $1.05B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 1.5%/yr over the last five fiscal years and revenue 6.5%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Credit Acceptance Corporation financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Credit Acceptance Corporation financial history by metric
About Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. It serves independent and franchised automobile dealers. The company was founded in 1972 and is headquartered in Southfield, Michigan.
Credit Acceptance Corporation — frequently asked questions
What is Credit Acceptance Corporation's revenue?
Credit Acceptance Corporation (CACC) reported revenue of $2.29B for fiscal year 2025, up 7.2% from the prior year, according to its SEC filings.
Is Credit Acceptance Corporation profitable?
Yes. CACC earned net income of $423.90M in fiscal 2025, a net margin of 18.5%.
What is CACC's P/E ratio?
Credit Acceptance Corporation trades at a price-to-earnings ratio of about 13.2 based on the latest data in our nightly-refreshed cache.
How fast is Credit Acceptance Corporation growing?
CACC's revenue grew at roughly 6.5% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Credit Acceptance Corporation have?
As of fiscal year 2025, CACC carried roughly $6.35B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Credit Acceptance Corporation's gross margin?
CACC's gross margin was 61.9% in fiscal 2025 — gross profit of $1.42B on revenue of $2.29B.
What is Credit Acceptance Corporation's market cap?
Credit Acceptance Corporation (CACC) has a market capitalization of about $5.54B, based on the latest data in our nightly-refreshed cache.
When does Credit Acceptance Corporation's fiscal year end?
CACC's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CACC stock?
At today's market cap of $5.54B, Credit Acceptance Corporation is priced for free-cash-flow growth of about -11.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $1.05B from the FY ending 2025-12-31). For comparison, free cash flow actually grew 1.5%/yr over the last five fiscal years and revenue 6.5%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Credit Acceptance Corporation's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.