CREDIT ACCEPTANCE CORP
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.3B | $2.2B | $1.9B | $1.8B | $1.9B |
| Operating expenses | $599.9M | $501.5M | $459.1M | $426.3M | $383.7M |
| Interest expense | $462.9M | $419.5M | $266.5M | $166.6M | $164.2M |
| Pretax income | $565.4M | $329.5M | $367.6M | $711.7M | $1.3B |
| Income tax expense | $141.5M | $81.6M | $81.5M | $175.9M | $302.6M |
| Net income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M |
| Balance Sheet | |||||
| Cash and equivalents | $22.8M | $343.7M | $13.2M | $7.7M | $23.3M |
| Total assets | $8.6B | $8.9B | $7.6B | $6.9B | $7.1B |
| Total liabilities | $7.1B | $7.1B | $5.9B | $5.3B | $5.2B |
| Total debt | $6.4B | $6.4B | $5.1B | $4.6B | $4.6B |
| Stockholders' equity | $1.5B | $1.7B | $1.8B | $1.6B | $1.8B |
| Cash Flow Statement | |||||
| Cash from operations | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B |
| Depreciation and amortization | $3.6M | $6.7M | $8.9M | $9.0M | $9.7M |
| Stock-based compensation | $50.7M | $45.0M | $39.1M | $36.5M | $24.8M |
| Capital expenditure | $1.6M | $1.8M | $4.0M | $3.1M | $7.6M |
| Free cash flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B |
| Share repurchases | $725.4M | $313.3M | $202.6M | $784.5M | $1.5B |
Shares outstanding 10.5M · Free float 22.4%
Annual filing data through FY ended December 31, 2025; float as of July 11, 2026.