CREDIT ACCEPTANCE CORP
About CREDIT ACCEPTANCE CORP
Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far a source of revenue.
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Financial summary
- Revenue FY2025
- $2.3B
- Net income
- $423.9M
- Total assets
- $8.6B
- Market cap
- $5.7B
- Operating margin
- 74.1%
- Net margin
- 18.3%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $2.3B
- Operating expenses
- $599.9M
- Operating income
- $1.7B
- Income tax
- $141.5M
- Net income
- $423.9M
- EPS (basic)
- $37.02
- EPS (diluted)
- $36.38
Balance sheet
- Total assets
- $8.6B
- Current assets
- $8.6B
- Total liabilities
- $7.1B
- Current liabilities
- $7.1B
- Shareholders’ equity
- $1.5B
Cash flow
- Operating cash flow
- $1.1B
- Investing cash flow
- -$674.3M
- Financing cash flow
- -$724.6M
- Net cash flow
- -$344.3M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $5.7B
- P/E ratio
- 15.5
- EPS (diluted)
- $36.38
- Shares outstanding
- 10.1M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jun 5, 1992
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $423.9M in FY2025.
- Revenue grew 39% from FY2020 to FY2025.
- Trading near its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 15.5.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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News about CREDIT ACCEPTANCE CORP
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