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Credit Acceptance (CACC) Financials

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$483.36 -3.39 (-0.70%)
Closing price 04/25/2025 04:00 PM Eastern
Extended Trading
$483.91 +0.55 (+0.11%)
As of 04/25/2025 04:05 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Credit Acceptance

Annual Income Statements for Credit Acceptance

This table shows Credit Acceptance's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 300 333 470 574 656 421 958 536 286 248
Consolidated Net Income / (Loss)		 300 333 470 574 656 421 958 536 286 248
Net Income / (Loss) Continuing Operations		 300 333 470 574 656 421 958 536 286 248
Total Pre-Tax Income 		475 531 584 755 856 550 1,261 712 368 330
Total Revenue		 825 969 990 1,286 1,293 1,662 1,692 1,666 1,635 2,162
Net Interest Income / (Expense)		 0.00 0.00 -120 0.00 -196 0.00 -164 -167 -267 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 120 0.00 196 0.00 164 167 267 0.00
Total Non-Interest Income		 825 969 1,110 1,286 1,489 1,662 1,856 1,832 1,902 2,162
Service Charges on Deposit Accounts		 731 874 1,012 1,177 1,369 1,562 1,743 1,686 1,755 1,993
Other Service Charges		 47 52 57 62 69 50 53 83 67 74
Premiums Earned		 48 43 41 47 51 57 60 63 80 96
Provision for Credit Losses		 - - 129 - 76 - 8.40 481 736 815
Total Non-Interest Expense		 351 438 277 531 361 1,112 423 473 532 1,018
Salaries and Employee Benefits		 116 127 140 168 193 187 218 262 280 309
Marketing Expense		 46 49 58 68 70 70 65 76 92 94
Property & Liability Insurance Claims		 33 26 23 26 30 38 39 46 71 74
Other Operating Expenses		 155 236 56 212 65 262 100 89 87 541
Other Special Charges		 - - - 57 1.80 557 0.00 0.00 1.80 0.00
Income Tax Expense		 175 198 114 181 200 129 303 176 82 82
Basic Earnings per Share		 $14.35 $16.37 $24.12 $29.52 $34.71 $23.57 $59.57 $39.50 $22.09 $20.12
Weighted Average Basic Shares Outstanding		 20.89M 20.33M 19.50M 19.45M 18.90M 17.86M 16.09M 13.56M 12.95M 12.32M
Diluted Earnings per Share		 $14.28 $16.31 $24.04 $29.39 $34.57 $23.47 $59.52 $39.32 $21.99 $19.88
Weighted Average Diluted Shares Outstanding		 20.98M 20.41M 19.56M 19.53M 18.98M 17.94M 16.10M 13.63M 13.01M 12.47M
Weighted Average Basic & Diluted Shares Outstanding		 20.90M 20.30M 19.50M 19.40M 18.15M 16.82M 14.11M 12.83M 12.30M 12.03M

Quarterly Income Statements for Credit Acceptance

This table shows Credit Acceptance's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 87 127 100 22 71 94 64 -47 79 152
Consolidated Net Income / (Loss)		 87 127 100 22 71 94 64 -47 79 152
Net Income / (Loss) Continuing Operations		 87 127 100 22 71 94 64 -47 79 152
Total Pre-Tax Income 		122 163 127 28 97 116 86 -55 107 192
Total Revenue		 419 373 399 415 408 413 416 410 439 898
Net Interest Income / (Expense)		 -42 -86 -54 -63 -71 -79 -93 -105 -111 308
Total Interest Expense		 42 86 54 63 71 79 93 105 111 -308
Total Non-Interest Income		 460 459 454 478 479 492 508 515 550 590
Service Charges on Deposit Accounts		 - - - 441 442 - 469 498 508 518
Other Service Charges		 23 26 15 17 16 18 17 16 18 23
Premiums Earned		 16 17 17 20 21 22 22 24 25 25
Provision for Credit Losses		 180 - 137 251 185 164 186 321 185 123
Total Non-Interest Expense		 116 57 135 137 127 133 143 145 148 583
Salaries and Employee Benefits		 67 65 77 70 67 66 79 76 77 78
Marketing Expense		 20 18 22 26 23 21 24 25 23 22
Property & Liability Insurance Claims		 13 12 18 20 17 17 17 20 19 18
Other Operating Expenses		 17 -16 18 21 21 27 24 23 29 465
Income Tax Expense		 35 36 27 5.70 26 23 22 -8.20 28 40
Basic Earnings per Share		 $6.53 $9.96 $7.62 $1.70 $5.47 $7.30 $5.15 ($3.83) $6.42 $12.38
Weighted Average Basic Shares Outstanding		 13.29M 13.56M 13.06M 13.05M 12.93M 12.95M 12.48M 12.28M 12.27M 12.32M
Diluted Earnings per Share		 $6.49 $9.95 $7.61 $1.69 $5.43 $7.26 $5.08 ($3.83) $6.35 $12.28
Weighted Average Diluted Shares Outstanding		 13.36M 13.63M 13.07M 13.10M 13.04M 13.01M 12.65M 12.28M 12.42M 12.47M
Weighted Average Basic & Diluted Shares Outstanding		 12.92M 12.83M 12.84M 12.82M 12.57M 12.30M 12.11M 12.11M 12.11M 12.03M

Annual Cash Flow Statements for Credit Acceptance

This table details how cash moves in and out of Credit Acceptance's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 -0.10 66 25 66 188 -122 38 -17 53 374
Net Cash From Operating Activities		 404 507 566 704 812 985 1,069 1,239 1,204 1,138
Net Cash From Continuing Operating Activities		 404 507 566 704 812 985 1,069 1,239 1,204 1,138
Net Income / (Loss) Continuing Operations		 300 333 470 574 656 421 958 536 286 248
Consolidated Net Income / (Loss)		 300 333 470 574 656 421 958 536 286 248
Provision For Loan Losses		 42 90 129 57 76 557 8.40 481 736 815
Depreciation Expense		 5.70 6.10 6.00 5.40 7.30 8.80 9.70 9.00 8.90 6.70
Amortization Expense		 8.50 9.20 10 14 15 15 17 17 18 21
Non-Cash Adjustments to Reconcile Net Income		 13 7.50 16 10 9.20 13 24 37 42 70
Changes in Operating Assets and Liabilities, net		 36 61 -65 43 48 -29 52 159 113 -22
Net Cash From Investing Activities		 -640 -878 -872 -1,238 -1,024 -674 437 -461 -1,417 -1,721
Net Cash From Continuing Investing Activities		 -640 -878 -872 -1,238 -1,024 -674 437 -461 -1,417 -1,721
Purchase of Property, Leasehold Improvements and Equipment		 -4.00 -5.50 -8.40 -25 -27 -8.50 -7.60 -3.10 -4.00 -1.80
Purchase of Investment Securities		 -406 -793 -939 -1,225 -1,388 -1,477 -1,148 -1,145 -1,257 -1,099
Sale and/or Maturity of Investments		 1,778 1,998 2,223 2,608 3,012 3,208 3,849 3,449 3,061 3,258
Other Investing Activities, net		 -2,008 -2,077 -2,147 -2,596 -2,622 -2,396 -2,257 -2,761 -3,217 -3,879
Net Cash From Financing Activities		 235 437 330 600 400 -433 -1,469 -795 266 957
Net Cash From Continuing Financing Activities		 235 437 330 600 400 -433 -1,469 -795 266 957
Issuance of Debt		 3,152 3,785 5,892 4,959 7,043 8,176 3,393 8,165 10,794 9,745
Issuance of Common Equity		 - - - - - 0.00 12 15 5.20 16
Repayment of Debt		 -2,831 -3,258 -5,435 -4,230 -6,342 -8,128 -3,401 -8,206 -10,337 -8,473
Repurchase of Common Equity		 -87 -122 -124 -129 -300 -481 -1,472 -785 -203 -313
Other Financing Activities, Net		 0.70 32 -2.50 - -0.60 -0.80 -0.80 16 6.40 -17
Cash Interest Paid		 62 88 109 141 176 192 149 147 242 393
Cash Income Taxes Paid		 147 111 175 169 172 142 213 73 32 104

Quarterly Cash Flow Statements for Credit Acceptance

This table details how cash moves in and out of Credit Acceptance's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 -35 22 70 -76 26 33 97 -50 199 129
Net Cash From Operating Activities		 326 287 297 283 313 311 310 204 318 306
Net Cash From Continuing Operating Activities		 326 287 297 283 313 311 310 204 318 306
Net Income / (Loss) Continuing Operations		 87 127 100 22 71 94 64 -47 79 152
Consolidated Net Income / (Loss)		 87 127 100 22 71 94 64 -47 79 152
Provision For Loan Losses		 180 130 137 251 185 164 186 321 185 123
Depreciation Expense		 2.20 2.20 2.20 2.20 2.20 2.30 2.20 2.00 1.30 1.20
Amortization Expense		 4.00 4.10 4.20 4.20 4.90 4.40 4.90 4.90 5.60 5.70
Non-Cash Adjustments to Reconcile Net Income		 6.80 6.00 34 7.50 23 -23 43 23 24 -20
Changes in Operating Assets and Liabilities, net		 46 17 19 -3.90 28 70 9.40 -99 23 44
Net Cash From Investing Activities		 -173 -122 -344 -368 -360 -345 -584 -526 -424 -187
Net Cash From Continuing Investing Activities		 -173 -122 -344 -368 -360 -345 -584 -526 -424 -187
Purchase of Property, Leasehold Improvements and Equipment		 -0.90 -1.20 -0.90 -1.50 0.10 -1.70 -0.30 -0.40 -0.40 -0.70
Purchase of Investment Securities		 -287 -256 -361 -341 -304 -252 -329 -291 -265 -214
Sale and/or Maturity of Investments		 826 751 831 774 -1,585 3,041 835 799 -1,598 3,222
Other Investing Activities, net		 -711 -615 -814 -799 1,529 -3,132 -1,089 -1,034 1,439 -3,195
Net Cash From Financing Activities		 -189 -143 118 9.00 73 66 371 272 305 9.70
Net Cash From Continuing Financing Activities		 -189 -143 118 9.00 73 66 371 272 305 9.70
Issuance of Debt		 2,109 1,449 2,123 2,587 2,823 3,261 3,105 3,651 2,098 892
Issuance of Common Equity		 1.30 2.70 4.10 - 0.30 0.80 15 - - 1.00
Repayment of Debt		 -2,279 -1,488 -1,997 -2,567 -2,633 -3,140 -2,565 -3,314 -1,801 -793
Repurchase of Common Equity		 -27 -105 -15 -7.80 -126 -54 -191 -61 - -61
Other Financing Activities, Net		 5.90 -1.60 2.60 -3.60 9.10 -1.70 7.60 -4.10 8.00 -29
Cash Interest Paid		 38 42 51 57 65 69 78 105 97 113
Cash Income Taxes Paid		 12 23 3.40 15 1.40 12 5.20 96 0.80 1.70

Annual Balance Sheets for Credit Acceptance

This table presents Credit Acceptance's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 3,373 4,218 4,986 6,237 7,423 7,489 7,051 6,905 7,610 8,855
Cash and Due from Banks		 6.30 15 8.20 26 187 16 23 7.70 13 344
Restricted Cash		 216 270 302 362 390 380 411 410 458 501
Trading Account Securities		 - - - - - 66 62 72 93 106
Loans and Leases, Net of Allowance		 3,102 3,887 4,620 5,763 6,685 6,788 6,336 6,298 -3,065 -3,439
Allowance for Loan and Lease Losses		 244 320 429 462 536 3,337 3,014 2,868 3,065 3,439
Premises and Equipment, Net		 19 18 21 40 60 59 57 51 47 15
Other Assets		 30 29 36 46 101 179 161 66 10,064 11,327
Total Liabilities & Shareholders' Equity		 3,373 4,218 4,986 6,237 7,423 7,489 7,051 6,905 7,610 8,855
Total Liabilities		 2,445 3,044 3,450 4,247 5,068 5,187 5,227 5,281 5,857 7,105
Short-Term Debt		 58 0.00 14 184 11 96 2.60 40 88 0.10
Other Short-Term Payables		 128 144 152 186 206 - - 261 319 316
Long-Term Debt		 2,010 2,604 3,057 3,637 4,528 4,513 4,614 4,551 4,980 6,353
Other Long-Term Liabilities		 249 297 227 239 323 578 610 429 470 436
Total Equity & Noncontrolling Interests		 928 1,174 1,536 1,991 2,355 2,303 1,824 1,624 1,754 1,750
Total Preferred & Common Equity		 928 1,174 1,536 1,991 2,355 2,303 1,824 1,624 1,754 1,750
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 928 1,174 1,536 1,991 2,355 2,303 1,824 1,624 1,754 1,750
Common Stock		 101 132 146 155 158 162 197 246 279 335
Retained Earnings		 827 1,042 1,390 1,836 2,197 2,139 1,627 1,381 1,476 1,415
Accumulated Other Comprehensive Income / (Loss)		 -0.10 -0.20 -0.20 -0.30 0.80 1.60 0.20 -2.90 -1.00 -0.30

Quarterly Balance Sheets for Credit Acceptance

This table presents Credit Acceptance's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 6,892 7,155 7,206 7,397 8,097 8,255 8,683
Cash and Due from Banks		 11 8.10 3.20 3.10 8.40 8.30 160
Restricted Cash		 385 480 409 435 559 509 557
Trading Account Securities		 68 76 81 86 100 106 114
Loans and Leases, Net of Allowance		 6,312 6,500 6,610 6,781 7,346 7,548 -3,416
Allowance for Loan and Lease Losses		 2,875 2,884 2,989 3,032 3,138 3,337 3,416
Premises and Equipment, Net		 52 50 49 47 45 16 15
Other Assets		 65 40 52 45 39 68 11,254
Total Liabilities & Shareholders' Equity		 6,892 7,155 7,206 7,397 8,097 8,255 8,683
Total Liabilities		 5,303 5,432 5,459 5,696 6,445 6,701 7,037
Short-Term Debt		 198 154 178 111 178 84 1.00
Long-Term Debt		 4,428 4,567 4,569 4,830 5,434 5,862 6,248
Other Long-Term Liabilities		 677 711 712 755 833 754 788
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,589 1,723 1,747 1,701 1,652 1,555 1,647
Total Preferred & Common Equity		 1,589 1,723 1,747 1,701 1,652 1,555 1,647
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,589 1,723 1,747 1,701 1,652 1,555 1,647
Common Stock		 236 252 262 271 304 314 325
Retained Earnings		 1,357 1,473 1,488 1,432 1,350 1,242 1,321
Accumulated Other Comprehensive Income / (Loss)		 -3.40 -2.10 -2.70 -2.90 -1.20 -1.20 0.90

Annual Metrics and Ratios for Credit Acceptance

This table displays calculated financial ratios and metrics derived from Credit Acceptance's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 14.07% 17.44% 2.13% 29.91% 0.54% 28.55% 1.80% -1.54% -1.82% 32.22%
EBITDA Growth		 12.58% 11.83% 9.83% 29.06% 13.39% -34.73% 124.52% -42.72% -46.53% -9.36%
EBIT Growth		 12.73% 11.95% 9.90% 29.34% 13.35% -35.80% 129.46% -43.56% -48.35% -10.36%
NOPAT Growth		 12.58% 11.04% 41.29% 22.08% 14.30% -35.83% 127.62% -44.09% -46.60% -13.35%
Net Income Growth		 12.58% 11.04% 41.29% 22.08% 14.30% -35.83% 127.62% -44.09% -46.60% -13.35%
EPS Growth		 19.80% 14.22% 47.39% 22.25% 17.63% -32.11% 153.60% -33.94% -44.07% -9.60%
Operating Cash Flow Growth		 10.68% 25.48% 11.59% 24.36% 15.40% 21.29% 8.55% 15.83% -2.82% -5.47%
Free Cash Flow Firm Growth		 -425.00% -85.80% 19.99% -75.82% 32.48% 194.79% 253.69% -46.70% -142.07% -222.53%
Invested Capital Growth		 22.05% 26.09% 21.95% 26.16% 18.62% 0.25% -6.81% -3.51% 9.76% 18.78%
Revenue Q/Q Growth		 -2.18% 4.13% -8.26% 15.83% -4.27% 22.19% -8.75% -3.00% 2.49% 28.91%
EBITDA Q/Q Growth		 4.00% 3.02% -3.04% -5.98% -3.81% 0.24% 74.77% -39.22% -66.21% 26.88%
EBIT Q/Q Growth		 4.13% 3.05% -3.18% -6.29% -3.93% 0.16% 77.47% -40.05% -67.76% 29.72%
NOPAT Q/Q Growth		 2.39% 2.34% 23.51% -4.21% 1.55% 1.06% 5.66% -14.42% -10.54% 30.75%
Net Income Q/Q Growth		 2.39% 2.34% 23.51% -4.21% 1.55% 1.06% 5.66% -14.42% -10.54% 30.75%
EPS Q/Q Growth		 3.18% 3.16% 24.56% -4.30% 2.34% 2.67% 10.41% -10.84% -10.90% 33.78%
Operating Cash Flow Q/Q Growth		 2.30% 8.52% 1.38% 7.89% 0.17% -0.21% -6.23% 14.38% 2.07% -0.44%
Free Cash Flow Firm Q/Q Growth		 22.40% -32.59% -21.37% 45.07% -422.88% 289.21% 12.17% -21.64% -200.00% 2.89%
Invested Capital Q/Q Growth		 -0.55% 2.76% 5.84% -4.74% 4.22% -0.24% -1.84% -0.01% 2.70% 2.62%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 59.21% 56.39% 60.64% 60.24% 67.94% 34.50% 76.08% 44.26% 24.10% 16.52%
EBIT Margin		 57.49% 54.81% 58.98% 58.73% 66.21% 33.06% 74.53% 42.72% 22.48% 15.24%
Profit (Net Income) Margin		 36.31% 34.34% 47.50% 44.64% 50.75% 25.33% 56.64% 32.16% 17.49% 11.46%
Tax Burden Percent		 63.16% 62.65% 80.54% 76.02% 76.66% 76.62% 76.00% 75.28% 77.83% 75.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 36.84% 37.35% 19.46% 23.98% 23.34% 23.38% 24.00% 24.72% 22.17% 24.76%
Return on Invested Capital (ROIC)		 11.00% 9.83% 11.22% 11.02% 10.33% 6.10% 14.35% 8.47% 4.39% 3.32%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.00% 9.83% 11.22% 11.02% 10.33% 6.10% 14.35% 8.47% 4.39% 3.32%
Return on Net Nonoperating Assets (RNNOA)		 25.77% 21.84% 23.49% 21.53% 19.86% 11.98% 32.09% 22.61% 12.55% 10.83%
Return on Equity (ROE)		 36.77% 31.67% 34.71% 32.55% 30.19% 18.08% 46.44% 31.08% 16.94% 14.15%
Cash Return on Invested Capital (CROIC)		 -8.86% -13.25% -8.56% -12.12% -6.71% 5.85% 21.40% 12.04% -4.92% -13.85%
Operating Return on Assets (OROA)		 15.41% 14.00% 12.69% 13.46% 12.53% 7.37% 17.34% 10.20% 5.07% 4.00%
Return on Assets (ROA)		 9.73% 8.77% 10.22% 10.23% 9.61% 5.65% 13.18% 7.68% 3.94% 3.01%
Return on Common Equity (ROCE)		 36.77% 31.67% 34.71% 32.55% 30.19% 18.08% 46.44% 31.08% 16.94% 14.15%
Return on Equity Simple (ROE_SIMPLE)		 32.29% 28.35% 30.62% 28.83% 27.86% 18.28% 52.53% 32.99% 16.31% 14.17%
Net Operating Profit after Tax (NOPAT)		 300 333 470 574 656 421 958 536 286 248
NOPAT Margin		 36.31% 34.34% 47.50% 44.64% 50.75% 25.33% 56.64% 32.16% 17.49% 11.46%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 19.67% 18.15% 20.05% 18.32% 20.38% 15.40% 16.75% 20.27% 22.74% 18.66%
Operating Expenses to Revenue		 42.51% 45.19% 27.96% 41.27% 27.89% 66.94% 24.97% 28.38% 32.51% 47.09%
Earnings before Interest and Taxes (EBIT)		 475 531 584 755 856 550 1,261 712 368 330
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 489 547 600 775 878 573 1,287 737 394 357
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 4.75 3.77 4.07 3.70 3.53 2.65 5.48 3.78 3.82 3.25
Price to Tangible Book Value (P/TBV)		 4.75 3.77 4.07 3.70 3.53 2.65 5.48 3.78 3.82 3.25
Price to Revenue (P/Rev)		 5.34 4.56 6.31 5.73 6.43 3.68 5.91 3.68 4.09 2.63
Price to Earnings (P/E)		 14.71 13.29 13.28 12.84 12.67 14.51 10.43 11.44 23.40 22.94
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 6.80% 7.53% 7.53% 7.79% 7.89% 6.89% 9.58% 8.74% 4.27% 4.36%
Enterprise Value to Invested Capital (EV/IC)		 2.09 1.78 1.96 1.86 1.78 1.49 2.20 1.66 1.66 1.38
Enterprise Value to Revenue (EV/Rev)		 7.58 6.95 9.10 8.40 9.50 6.21 8.38 6.19 6.90 5.18
Enterprise Value to EBITDA (EV/EBITDA)		 12.80 12.33 15.01 13.95 13.98 18.00 11.02 13.98 28.64 31.33
Enterprise Value to EBIT (EV/EBIT)		 13.18 12.69 15.43 14.31 14.34 18.78 11.25 14.48 30.72 33.97
Enterprise Value to NOPAT (EV/NOPAT)		 20.87 20.25 19.16 18.82 18.71 24.52 14.80 19.23 39.47 45.16
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.47 13.29 15.91 15.35 15.11 10.48 13.26 8.32 9.38 9.84
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 25.55 9.92 13.53 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 2.23 2.22 2.00 1.92 1.93 2.00 2.53 2.83 2.89 3.63
Long-Term Debt to Equity		 2.17 2.22 1.99 1.83 1.92 1.96 2.53 2.80 2.84 3.63
Financial Leverage		 2.34 2.22 2.09 1.95 1.92 1.96 2.24 2.67 2.86 3.26
Leverage Ratio		 3.78 3.61 3.40 3.18 3.14 3.20 3.52 4.05 4.30 4.70
Compound Leverage Factor		 3.78 3.61 3.40 3.18 3.14 3.20 3.52 4.05 4.30 4.70
Debt to Total Capital		 69.02% 68.93% 66.66% 65.74% 65.84% 66.68% 71.68% 73.87% 74.29% 78.41%
Short-Term Debt to Total Capital		 1.93% 0.00% 0.30% 3.16% 0.16% 1.39% 0.04% 0.64% 1.28% 0.00%
Long-Term Debt to Total Capital		 67.10% 68.93% 66.36% 62.58% 65.67% 65.30% 71.64% 73.23% 73.01% 78.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 30.98% 31.07% 33.34% 34.26% 34.16% 33.32% 28.32% 26.13% 25.71% 21.59%
Debt to EBITDA		 4.23 4.76 5.12 4.93 5.17 8.04 3.59 6.23 12.86 17.78
Net Debt to EBITDA		 3.78 4.24 4.60 4.43 4.51 7.35 3.25 5.66 11.66 15.42
Long-Term Debt to EBITDA		 4.11 4.76 5.09 4.70 5.15 7.87 3.58 6.17 12.63 17.78
Debt to NOPAT		 6.90 7.82 6.53 6.66 6.92 10.95 4.82 8.57 17.71 25.63
Net Debt to NOPAT		 6.16 6.97 5.87 5.98 6.04 10.01 4.36 7.79 16.07 22.22
Long-Term Debt to NOPAT		 6.71 7.82 6.50 6.34 6.90 10.72 4.81 8.49 17.41 25.63
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -242 -449 -359 -631 -426 404 1,429 762 -320 -1,033
Operating Cash Flow to CapEx		 10,105.00% 9,221.82% 6,738.10% 2,804.38% 3,030.97% 11,590.59% 14,071.05% 39,958.06% 30,095.00% 63,216.67%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -2.99 0.00 -2.17 0.00 8.70 4.57 -1.20 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 4.71 0.00 4.14 0.00 6.51 7.44 4.52 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 4.64 0.00 4.00 0.00 6.47 7.42 4.50 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.27 0.26 0.22 0.23 0.19 0.22 0.23 0.24 0.23 0.26
Fixed Asset Turnover		 41.47 52.25 51.15 42.37 25.88 27.91 28.99 30.65 33.41 70.67
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 2,996 3,777 4,607 5,812 6,894 6,911 6,441 6,215 6,821 8,103
Invested Capital Turnover		 0.30 0.29 0.24 0.25 0.20 0.24 0.25 0.26 0.25 0.29
Increase / (Decrease) in Invested Capital		 541 782 829 1,205 1,082 17 -471 -226 607 1,281
Enterprise Value (EV)		 6,254 6,741 9,007 10,805 12,276 10,322 14,181 10,304 11,291 11,194
Market Capitalization		 4,408 4,422 6,246 7,372 8,314 6,109 9,999 6,131 6,695 5,686
Book Value per Share		 $45.06 $57.74 $79.53 $103.10 $125.30 $130.46 $125.46 $125.65 $139.55 $144.45
Tangible Book Value per Share		 $45.06 $57.74 $79.53 $103.10 $125.30 $130.46 $125.46 $125.65 $139.55 $144.45
Total Capital		 2,996 3,777 4,607 5,812 6,894 6,911 6,441 6,215 6,821 8,103
Total Debt		 2,068 2,604 3,071 3,821 4,539 4,609 4,616 4,591 5,068 6,353
Total Long-Term Debt		 2,010 2,604 3,057 3,637 4,528 4,513 4,614 4,551 4,980 6,353
Net Debt		 1,846 2,319 2,761 3,433 3,962 4,212 4,182 4,173 4,597 5,508
Capital Expenditures (CapEx)		 4.00 5.50 8.40 25 27 8.50 7.60 3.10 4.00 1.80
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 2,068 2,604 3,071 3,821 4,539 4,609 4,616 4,591 5,068 6,353
Total Depreciation and Amortization (D&A)		 14 15 16 20 22 24 26 26 27 28
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $14.35 $16.37 $24.12 $29.52 $34.71 $23.57 $59.57 $39.50 $22.09 $20.12
Adjusted Weighted Average Basic Shares Outstanding		 20.89M 20.33M 19.50M 19.45M 18.90M 17.86M 16.09M 13.56M 12.95M 12.32M
Adjusted Diluted Earnings per Share		 $14.28 $16.31 $24.04 $29.39 $34.57 $23.47 $59.52 $39.32 $21.99 $19.88
Adjusted Weighted Average Diluted Shares Outstanding		 20.98M 20.41M 19.56M 19.53M 18.98M 17.94M 16.10M 13.63M 13.01M 12.47M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $34.71 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 20.13M 19.88M 19.31M 18.78M 18.15M 16.82M 14.11M 12.83M 12.30M 12.03M
Normalized Net Operating Profit after Tax (NOPAT)		 300 333 470 617 657 848 958 536 288 248
Normalized NOPAT Margin		 36.31% 34.34% 47.50% 48.01% 50.86% 51.01% 56.64% 32.16% 17.58% 11.46%
Pre Tax Income Margin		 57.49% 54.81% 58.98% 58.73% 66.21% 33.06% 74.53% 42.72% 22.48% 15.24%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 4.86 0.00 4.36 0.00 7.68 4.27 1.38 0.00
NOPAT to Interest Expense		 0.00 0.00 3.91 0.00 3.34 0.00 5.84 3.22 1.07 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 4.79 0.00 4.23 0.00 7.63 4.25 1.36 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 3.84 0.00 3.21 0.00 5.79 3.20 1.06 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 28.86% 36.57% 26.27% 22.49% 45.79% 114.20% 153.58% 146.42% 70.81% 126.38%

Quarterly Metrics and Ratios for Credit Acceptance

This table displays calculated financial ratios and metrics derived from Credit Acceptance's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -2.74% -12.13% -12.35% -0.81% -2.49% 10.64% 4.03% -1.23% 7.60% 117.49%
EBITDA Growth		 -62.15% 10.85% -54.24% -76.92% -19.25% -61.88% -29.80% -241.11% 9.46% 61.49%
EBIT Growth		 -63.25% 11.20% -55.43% -80.37% -20.97% -63.23% -31.86% -298.21% 10.36% 64.86%
NOPAT Growth		 -65.28% -41.50% -53.57% -79.33% -18.43% -26.47% -35.38% -274.37% 11.30% 62.29%
Net Income Growth		 -65.28% -41.50% -53.57% -79.33% -18.43% -26.47% -35.38% -312.16% 11.30% 62.29%
EPS Growth		 -58.90% -32.45% -49.06% -78.72% -16.33% -27.04% -33.25% -326.63% 16.94% 69.15%
Operating Cash Flow Growth		 20.94% 118.76% -21.16% 13.31% -3.95% 8.51% 4.55% -27.84% 1.37% -1.61%
Free Cash Flow Firm Growth		 -29.88% -48.69% -97.51% -116.43% -182.25% -245.26% -3,355.60% -557.83% -230.21% -120.20%
Invested Capital Growth		 -5.27% -3.51% 1.20% 2.87% 6.86% 9.76% 12.72% 15.52% 18.88% 18.78%
Revenue Q/Q Growth		 0.00% -10.85% 7.05% 3.93% -1.69% 1.15% 0.65% -1.32% 7.10% 104.46%
EBITDA Q/Q Growth		 -13.66% 151.68% -58.75% -74.25% 202.04% 18.82% -24.05% -151.76% 334.30% 75.31%
EBIT Q/Q Growth		 -14.07% 159.30% -59.95% -78.00% 245.88% 20.62% -25.77% -164.00% 292.59% 80.19%
NOPAT Q/Q Growth		 -19.18% 46.66% -21.84% -77.69% 218.92% 32.20% -31.30% -160.20% 303.57% 92.77%
Net Income Q/Q Growth		 -19.18% 46.66% -21.84% -77.69% 218.92% 32.20% -31.30% -173.25% 267.30% 92.77%
EPS Q/Q Growth		 -18.26% 53.31% -23.52% -77.79% 221.30% 33.70% -30.03% -175.39% 265.80% 93.39%
Operating Cash Flow Q/Q Growth		 30.78% -12.11% 3.38% -4.65% 10.86% -0.70% -0.39% -34.19% 55.74% -3.62%
Free Cash Flow Firm Q/Q Growth		 -55.32% -18.38% -93.43% -785.78% -123.63% -44.15% -47.26% -38.57% -12.26% 3.87%
Invested Capital Q/Q Growth		 -1.54% -0.01% 3.69% 0.77% 2.28% 2.70% 6.49% 3.27% 5.25% 2.62%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 30.66% 86.55% 33.35% 8.26% 25.39% 29.82% 22.50% -11.80% 25.83% 22.14%
EBIT Margin		 29.18% 84.86% 31.75% 6.72% 23.65% 28.20% 20.79% -13.49% 24.25% 21.37%
Profit (Net Income) Margin		 20.74% 34.12% 24.91% 5.35% 17.35% 22.67% 15.48% -11.49% 17.95% 16.92%
Tax Burden Percent		 71.09% 78.10% 78.47% 79.57% 73.37% 80.41% 74.42% 85.17% 73.99% 79.16%
Interest Burden Percent		 100.00% 51.48% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.91% 21.90% 21.53% 20.43% 26.63% 19.59% 25.58% 0.00% 26.01% 20.84%
Return on Invested Capital (ROIC)		 5.58% 8.98% 6.26% 1.34% 4.31% 5.69% 3.73% -2.22% 4.14% 4.90%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.58% 8.98% 6.26% 1.34% 4.31% 5.69% 3.73% -2.38% 4.14% 4.90%
Return on Net Nonoperating Assets (RNNOA)		 14.53% 23.98% 17.66% 3.92% 12.52% 16.27% 11.41% -7.70% 13.84% 15.98%
Return on Equity (ROE)		 20.11% 32.97% 23.92% 5.26% 16.83% 21.96% 15.14% -9.92% 17.99% 20.89%
Cash Return on Invested Capital (CROIC)		 15.21% 12.04% 5.38% 2.41% -1.66% -4.92% -8.30% -11.81% -14.64% -13.85%
Operating Return on Assets (OROA)		 7.11% 20.26% 7.20% 1.52% 5.28% 6.35% 4.50% -2.87% 5.06% 5.61%
Return on Assets (ROA)		 5.06% 8.15% 5.65% 1.21% 3.87% 5.11% 3.35% -2.45% 3.74% 4.44%
Return on Common Equity (ROCE)		 20.11% 32.97% 23.92% 5.26% 16.83% 21.96% 15.14% -9.92% 17.99% 20.89%
Return on Equity Simple (ROE_SIMPLE)		 39.40% 0.00% 24.43% 19.22% 18.80% 0.00% 15.19% 11.68% 11.52% 0.00%
Net Operating Profit after Tax (NOPAT)		 87 127 100 22 71 94 64 -39 79 152
NOPAT Margin		 20.74% 34.12% 24.91% 5.35% 17.35% 22.67% 15.48% -9.44% 17.95% 16.92%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.16% 0.00% 0.00%
SG&A Expenses to Revenue		 20.69% 22.25% 24.86% 23.25% 21.86% 21.05% 24.65% 24.68% 22.87% 11.09%
Operating Expenses to Revenue		 27.74% 15.14% 33.85% 32.93% 31.12% 32.15% 34.44% 35.29% 33.68% 64.88%
Earnings before Interest and Taxes (EBIT)		 122 317 127 28 97 116 86 -55 107 192
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 128 323 133 34 104 123 94 -48 113 199
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 3.56 3.78 3.25 3.73 3.47 3.82 4.20 4.01 3.26 3.25
Price to Tangible Book Value (P/TBV)		 3.56 3.78 3.25 3.73 3.47 3.82 4.20 4.01 3.26 3.25
Price to Revenue (P/Rev)		 3.30 3.68 3.48 4.06 3.70 4.09 4.20 3.79 3.20 2.63
Price to Earnings (P/E)		 9.04 11.44 13.29 19.42 18.45 23.40 27.63 34.32 28.32 22.94
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 11.06% 8.74% 7.52% 5.15% 5.42% 4.27% 3.62% 2.91% 3.53% 4.36%
Enterprise Value to Invested Capital (EV/IC)		 1.59 1.66 1.53 1.67 1.57 1.66 1.65 1.55 1.38 1.38
Enterprise Value to Revenue (EV/Rev)		 5.76 6.19 6.11 6.76 6.52 6.90 7.25 7.08 6.50 5.18
Enterprise Value to EBITDA (EV/EBITDA)		 8.15 13.98 8.20 9.15 8.92 28.64 33.78 42.91 38.72 31.33
Enterprise Value to EBIT (EV/EBIT)		 8.33 14.48 8.38 9.35 9.12 30.72 36.60 47.80 42.92 33.97
Enterprise Value to NOPAT (EV/NOPAT)		 15.80 19.23 23.35 32.33 32.53 39.47 47.73 64.22 57.50 45.16
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.13 8.32 8.48 9.10 8.82 9.38 9.84 10.24 9.54 9.84
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.18 13.53 28.51 70.26 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 2.91 2.83 2.74 2.72 2.90 2.89 3.40 3.82 3.80 3.63
Long-Term Debt to Equity		 2.79 2.80 2.65 2.62 2.84 2.84 3.29 3.77 3.79 3.63
Financial Leverage		 2.61 2.67 2.82 2.92 2.91 2.86 3.06 3.24 3.34 3.26
Leverage Ratio		 3.98 4.05 4.23 4.34 4.34 4.30 4.52 4.68 4.80 4.70
Compound Leverage Factor		 3.98 2.08 4.23 4.34 4.34 4.30 4.52 4.68 4.80 4.70
Debt to Total Capital		 74.43% 73.87% 73.26% 73.10% 74.39% 74.29% 77.25% 79.27% 79.15% 78.41%
Short-Term Debt to Total Capital		 3.18% 0.64% 2.39% 2.73% 1.67% 1.28% 2.45% 1.12% 0.01% 0.00%
Long-Term Debt to Total Capital		 71.25% 73.23% 70.87% 70.36% 72.73% 73.01% 74.81% 78.15% 79.13% 78.41%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 25.57% 26.13% 26.74% 26.90% 25.61% 25.71% 22.75% 20.73% 20.85% 21.59%
Debt to EBITDA		 3.81 6.23 3.94 4.00 4.24 12.86 15.83 21.88 22.19 17.78
Net Debt to EBITDA		 3.49 5.66 3.53 3.65 3.86 11.66 14.23 19.97 19.65 15.42
Long-Term Debt to EBITDA		 3.65 6.17 3.81 3.85 4.14 12.63 15.33 21.57 22.19 17.78
Debt to NOPAT		 7.39 8.57 11.21 14.14 15.45 17.71 22.37 32.75 32.96 25.63
Net Debt to NOPAT		 6.76 7.79 10.05 12.91 14.08 16.07 20.10 29.90 29.18 22.22
Long-Term Debt to NOPAT		 7.07 8.49 10.85 13.61 15.10 17.41 21.66 32.28 32.95 25.63
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 433 353 23 -159 -356 -513 -755 -1,047 -1,175 -1,129
Operating Cash Flow to CapEx		 36,255.56% 23,900.00% 32,944.44% 18,846.67% 0.00% 18,305.88% 103,333.33% 51,000.00% 79,425.00% 43,742.86%
Free Cash Flow to Firm to Interest Expense		 10.35 4.11 0.43 -2.53 -5.05 -6.51 -8.17 -10.02 -10.57 0.00
Operating Cash Flow to Interest Expense		 7.81 3.34 5.45 4.50 4.45 3.95 3.35 1.95 2.86 0.00
Operating Cash Flow Less CapEx to Interest Expense		 7.78 3.32 5.43 4.48 4.45 3.93 3.35 1.95 2.85 0.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.24 0.24 0.23 0.23 0.22 0.23 0.22 0.21 0.21 0.26
Fixed Asset Turnover		 31.03 30.65 30.14 31.16 32.07 33.41 34.88 50.27 53.85 70.67
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 6,215 6,215 6,444 6,494 6,642 6,821 7,264 7,502 7,895 8,103
Invested Capital Turnover		 0.27 0.26 0.25 0.25 0.25 0.25 0.24 0.24 0.23 0.29
Increase / (Decrease) in Invested Capital		 -346 -226 76 181 427 607 820 1,008 1,254 1,281
Enterprise Value (EV)		 9,890 10,304 9,828 10,855 10,402 11,291 11,975 11,662 10,903 11,194
Market Capitalization		 5,660 6,131 5,596 6,521 5,900 6,695 6,931 6,233 5,370 5,686
Book Value per Share		 $122.99 $125.65 $134.29 $136.09 $132.65 $139.55 $132.38 $128.39 $135.95 $144.45
Tangible Book Value per Share		 $122.99 $125.65 $134.29 $136.09 $132.65 $139.55 $132.38 $128.39 $135.95 $144.45
Total Capital		 6,215 6,215 6,444 6,494 6,642 6,821 7,264 7,502 7,895 8,103
Total Debt		 4,626 4,591 4,721 4,747 4,941 5,068 5,612 5,947 6,249 6,353
Total Long-Term Debt		 4,428 4,551 4,567 4,569 4,830 4,980 5,434 5,862 6,248 6,353
Net Debt		 4,231 4,173 4,233 4,335 4,503 4,597 5,044 5,429 5,533 5,508
Capital Expenditures (CapEx)		 0.90 1.20 0.90 1.50 -0.10 1.70 0.30 0.40 0.40 0.70
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8.39 0.00 0.00
Net Nonoperating Obligations (NNO)		 4,626 4,591 4,721 4,747 4,941 5,068 5,612 5,947 6,249 6,353
Total Depreciation and Amortization (D&A)		 6.20 6.30 6.40 6.40 7.10 6.70 7.10 6.90 6.90 6.90
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $6.53 $9.96 $7.62 $1.70 $5.47 $7.30 $5.15 ($3.83) $6.42 $12.38
Adjusted Weighted Average Basic Shares Outstanding		 13.29M 13.56M 13.06M 13.05M 12.93M 12.95M 12.48M 12.28M 12.27M 12.32M
Adjusted Diluted Earnings per Share		 $6.49 $9.95 $7.61 $1.69 $5.43 $7.26 $5.08 ($3.83) $6.35 $12.28
Adjusted Weighted Average Diluted Shares Outstanding		 13.36M 13.63M 13.07M 13.10M 13.04M 13.01M 12.65M 12.28M 12.42M 12.47M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 12.92M 12.83M 12.84M 12.82M 12.57M 12.30M 12.11M 12.11M 12.11M 12.03M
Normalized Net Operating Profit after Tax (NOPAT)		 87 109 100 22 71 94 64 -39 79 152
Normalized NOPAT Margin		 20.74% 29.24% 24.91% 5.35% 17.35% 22.67% 15.48% -9.44% 17.95% 16.92%
Pre Tax Income Margin		 29.18% 43.69% 31.75% 6.72% 23.65% 28.20% 20.79% -13.49% 24.25% 21.37%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.92 3.69 2.33 0.44 1.37 1.48 0.93 -0.53 0.96 0.00
NOPAT to Interest Expense		 2.08 1.48 1.83 0.35 1.00 1.19 0.70 -0.37 0.71 0.00
EBIT Less CapEx to Interest Expense		 2.90 3.67 2.31 0.42 1.37 1.46 0.93 -0.53 0.95 0.00
NOPAT Less CapEx to Interest Expense		 2.06 1.47 1.81 0.33 1.01 1.17 0.69 -0.37 0.71 0.00
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 168.84% 146.42% 89.41% 46.01% 79.52% 70.81% 150.98% 237.78% 161.13% 126.38%

Frequently Asked Questions About Credit Acceptance's Financials

When does Credit Acceptance's financial year end?

According to the most recent income statement we have on file, Credit Acceptance's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Credit Acceptance's net income changed over the last 9 years?

In the past 9 years, Credit Acceptance's net income has ranged from $247.90 million in 2024 to $958.30 million in 2021, and is currently $247.90 million as of their latest financial filing in 2024.

How has Credit Acceptance revenue changed over the last 9 years?

Over the last 9 years, Credit Acceptance's total revenue changed from $825.30 million in 2015 to $2.16 billion in 2024, a change of 162.0%.

How much debt does Credit Acceptance have?

Credit Acceptance's total liabilities were at $7.11 billion at the end of 2024, a 21.3% increase from 2023, and a 190.7% increase since 2015.

How much cash does Credit Acceptance have?

In the past 9 years, Credit Acceptance's cash and equivalents has ranged from $6.30 million in 2015 to $343.70 million in 2024, and is currently $343.70 million as of their latest financial filing in 2024.

How has Credit Acceptance's book value per share changed over the last 9 years?

Over the last 9 years, Credit Acceptance's book value per share changed from 45.06 in 2015 to 144.45 in 2024, a change of 220.6%.


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This page (NASDAQ:CACC) was last updated on 4/26/2025 by MarketBeat.com Staff
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