Financials in USD. Standardized financial statements.
A compact view of how Credit Acceptance Corporation turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $2.32B | $2.13B | $1.88B | $1.82B | $1.85B | $1.67B | $1.48B | $1.28B | $1.11B | $965.20M |
| Revenue Growth? | +8.6% | +13.5% | +3.1% | -1.5% | +11.2% | +12.6% | +15.6% | +15.6% | +14.7% | 0.0% |
| Cost of Revenue? | $29.00M | $802.20M | $617.40M | $475.00M | $421.10M | $416.40M | $419.60M | $350.40M | $283.00M | $250.20M |
| Gross Profit? | $2.29B | $1.33B | $1.26B | $1.35B | $1.43B | $1.25B | $1.06B | $929.60M | $824.20M | $715.00M |
| Gross Margin? | +98.7% | +62.4% | +67.2% | +73.9% | +77.2% | +75.0% | +71.6% | +72.6% | +74.4% | +74.1% |
| Operating Expenses? | $1.18B | $1.01B | $915.10M | $645.70M | $174.00M | $1.25B | $211.70M | $180.30M | $243.20M | $187.80M |
| Operating Income? | $1.10B | $325.10M | $347.30M | $702.30M | $1.26B | $0 | $848.10M | $749.30M | $581.00M | $527.20M |
| EBITDA? | $1.06B | $352.90M | $373.90M | $727.90M | $1.28B | $576.60M | $870.50M | $768.80M | $597.40M | $542.50M |
| Income Before Tax | $565.40M | $329.50M | $367.60M | $711.70M | $1.26B | $549.50M | $855.90M | $755.10M | $583.80M | $531.20M |
| Income Tax Expense | $141.50M | $81.60M | $81.50M | $175.90M | $302.60M | $128.50M | $199.80M | $181.10M | $113.60M | $198.40M |
| Net Income? | $423.90M | $247.90M | $286.10M | $535.80M | $958.30M | $421.00M | $656.10M | $574.00M | $470.20M | $332.80M |
| EPS? | $38.26 | $20.12 | $22.09 | $39.50 | $59.57 | $23.57 | $34.71 | $29.52 | $24.12 | $16.37 |
| Diluted EPS? | $37.55 | $19.88 | $21.99 | $39.32 | $59.52 | $23.47 | $34.57 | $29.39 | $24.04 | $16.31 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality