FY2025 · ended Dec 31, 2025 · Revenue $2.32B, +7.2% YoY · Filed Feb 13, 2026
Credit Acceptance Corp (CACC) files with the SEC under industry code 6141, Personal Credit Institutions. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $2.3 billion and net income of $423.9 million. Free cash flow was $1.1 billion.
Revenue (TTM)
$2.34B
+1.7% vs year-ago TTM
Net income (TTM)
$337.10M
-25.7% vs year-ago TTM
Operating cash flow (TTM)
$1.26B
+15.5% vs year-ago TTM
Free cash flow (TTM)
$1.26B
+15.3% vs year-ago TTM
EPS (TTM)
$31.00
-18.2% vs year-ago TTM
Dividend per share
None
Shares outstanding
10.75M
-10.7% vs prior year
Net cash
—
Operating margin
—
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- CACC (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- MI
- Headquarters
- Southfield, MI
- SEC filer status
- Large accelerated filer
- SEC CIK
- 885550
- Former names
- CREDIT ACCEPTANCE CORPORATION (until Jul 11, 2008)
Other Personal Credit Institutions companies
- Affirm Holdings, Inc. AFRM
- OneMain Holdings, Inc. OMF
- Nelnet Inc NNI
- Enova International, Inc. ENVA
- Bread Financial Holdings, Inc. BFH
- SLM Corp SLM
- Happen, Inc. HAPN
- Atlanticus Holdings Corp ATLC
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $2.3B | $2.2B | $1.9B | $1.8B | $1.9B |
| Net income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M |
| Diluted EPS | $36.38 | $19.88 | $21.99 | $39.32 | $59.52 |
| Operating cash flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B |
| Free cash flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B |
| Total assets | $8.6B | $8.9B | $7.6B | $6.9B | $7.1B |
| Total liabilities | $7.1B | $7.1B | $5.9B | $5.3B | $5.2B |
| Stockholders' equity | $1.5B | $1.7B | $1.8B | $1.6B | $1.8B |
| Cash and investments | $22.8M | $343.7M | $13.2M | $7.7M | $23.3M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Oct 29, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 29, 2026 | Oct 29, 2026 |
| 8-K |
Current report
Material agreement, New debt, Other events
|
Sep 21, 2026 | Sep 15, 2026 |
| 8-K |
Current report
Material agreement, Regulation FD disclosure
|
Sep 18, 2026 | Sep 17, 2026 |
| 8-K |
Current report
Officer or director change
|
Sep 4, 2026 | Sep 3, 2026 |
| 8-K |
Current report
Material agreement, New debt, Other events
|
Aug 25, 2026 | Aug 20, 2026 |
All 1002 Credit Acceptance Corp SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.