CACC
CREDIT ACCEPTANCE CORPCompany Information
- Company Name
- CREDIT ACCEPTANCE CORP
- CIK
- CIK0000885550
- Category
- Large accelerated filer
- Ticker: Exchange
- CACC: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6141
- SIC Description
- Personal Credit Institutions
- Ticker
- CACC
SEC filing data through
Insider Sentiment
- Last purchase
- 2024-09-18
- Last sale
- 2026-06-26
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 147,071.1
Institutional Sentiment
- As of
- 2026-03-31
- Institutional shares owned
- 6,748,592
- Shares outstanding
- 10,739,981
- Ownership
- 62.84%
Earnings Market Reaction
- Filing date
- 2026-08-04
- Price on filing date
- —
- 1-month reaction
- 1.20%
- 3-month reaction
- Pending
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||
| Cash And Cash Equivalents At Carrying Value | 1 | 26 | 23 | 16 | 70 | 529 | 344 | 160 | 8 | 8 | 13 | 3 | ||||||
| Restricted Cash And Cash Equivalents | 491 | 526 | 478 | 483 | 494 | 592 | 501 | 557 | 509 | 559 | 458 | 435 | ||||||
| Debt Securities Available For Sale Restricted | 117 | 109 | 106 | 109 | 107 | 109 | 106 | 114 | 106 | 100 | 93 | 86 | ||||||
| Notes Receivable Gross | 11,609 | 11,579 | 11,512 | 11,564 | 11,563 | 11,477 | 11,289 | 11,198 | 10,884 | 10,484 | 10,020 | 9,812 | ||||||
| Financing Receivable Allowance For Credit Losses | -3,650 | -3,622 | -3,602 | -3,588 | -3,561 | -3,499 | -3,439 | -3,416 | -3,337 | -3,138 | -3,065 | -3,032 | ||||||
| Notes Receivable Net | 7,959 | 7,956 | 7,909 | 7,976 | 8,002 | 7,978 | 7,850 | 7,782 | 7,548 | 7,346 | 6,955 | 6,781 | ||||||
| Loans And Leases Receivable Net Reported Amount | - | - | - | - | - | - | - | - | 7,548 | 7,346 | 6,955 | 6,781 | ||||||
| Property Plant And Equipment Net | 14 | 13 | 13 | 13 | 13 | 14 | 15 | 15 | 16 | 45 | 47 | 47 | ||||||
| Income Tax Receivable | 8 | 29 | 67 | 10 | 9 | 6 | 4 | 26 | 40 | 11 | 4 | 14 | ||||||
| Other Assets | 32 | 35 | 36 | 35 | 29 | 30 | 34 | 30 | 28 | 28 | 40 | 31 | ||||||
| Assets | 8,623 | 8,695 | 8,632 | 8,641 | 8,725 | 9,258 | 8,855 | 8,683 | 8,255 | 8,097 | 7,610 | 7,397 | ||||||
Liabilities | ||||||||||||||||||
| Accounts Payable And Accrued Liabilities Current | 394 | 415 | 400 | 383 | 379 | 377 | 316 | 364 | 344 | 343 | 319 | 284 | ||||||
| Line Of Credit | 178 | 220 | 107 | 149 | 2 | 1 | 0 | 1 | 84 | 170 | 79 | 102 | ||||||
| Secured Debt | 5,019 | 5,100 | 5,159 | 5,133 | 5,383 | 5,618 | 5,362 | 5,257 | 4,872 | 4,444 | 3,991 | 4,034 | ||||||
| Senior Long Term Notes | 1,089 | 1,089 | 1,088 | 1,087 | 1,086 | 1,086 | 991 | 991 | 990 | 990 | 989 | 796 | ||||||
| Deferred Income Tax Liabilities Net | 349 | 357 | 354 | 298 | 306 | 321 | 319 | 423 | 410 | 421 | 389 | 462 | ||||||
| Other Borrowings | - | - | - | - | - | - | 0 | 0 | 0 | 8 | 8 | 9 | ||||||
| Accrued Income Taxes | 4 | - | 0 | 12 | 14 | 144 | 117 | 0 | 0 | 70 | 81 | 10 | ||||||
| Liabilities | 7,034 | 7,181 | 7,108 | 7,062 | 7,170 | 7,547 | 7,105 | 7,037 | 6,701 | 6,445 | 5,857 | 5,696 | ||||||
Stockholders Equity | ||||||||||||||||||
| Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Additional Paid In Capital Common Stock | 508 | 430 | 403 | 392 | 369 | 352 | 335 | 325 | 314 | 304 | 279 | 271 | ||||||
| Retained Earnings Accumulated Deficit | 1,081 | 1,084 | 1,119 | 1,185 | 1,184 | 1,359 | 1,415 | 1,321 | 1,242 | 1,350 | 1,476 | 1,432 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -0 | 0 | 1 | 1 | 1 | 1 | -0 | 1 | -1 | -1 | -1 | -3 | ||||||
| Stockholders Equity | 1,589 | 1,514 | 1,524 | 1,579 | 1,555 | 1,711 | 1,750 | 1,647 | 1,555 | 1,652 | 1,754 | 1,701 | ||||||
| Liabilities And Stockholders Equity | 8,623 | 8,695 | 8,632 | 8,641 | 8,725 | 9,258 | 8,855 | 8,683 | 8,255 | 8,097 | 7,610 | 7,397 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | ||||||
| Common Stock Shares Authorized | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | ||||||
| Common Stock Shares Issued | 10 | 10 | 11 | 11 | 11 | 12 | 12 | 12 | 12 | 12 | 13 | 13 | ||||||
| Shares Outstanding | 10 | 10 | 11 | 11 | 11 | 12 | 12 | 12 | 12 | 12 | 13 | 13 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialCREDIT ACCEPTANCE CORP (CACC) — SEC Financial Statements & Analysis
CREDIT ACCEPTANCE CORP (CACC) is a personal credit institutions company, incorporated in MI. CREDIT ACCEPTANCE CORP trades on Nasdaq as: CACC. CREDIT ACCEPTANCE CORP (CACC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-04. Based on that filing, CREDIT ACCEPTANCE CORP carries a market cap of $6.67B, a P/E ratio of 13.30x, a P/B ratio of 4.20x, a P/S ratio of 2.86x, an enterprise value of $6.18B, and an EV/EBITDA multiple of 5.63x. On profitability, it posts a gross margin of 80.86%, an operating margin of 27.88%, a net margin of 21.54%, a Return on Equity (ROE) of 31.93%, and a Return on Invested Capital (ROIC) of 77.67%. Per share, it reports EPS of $47.89, diluted EPS of $46.76, free cash flow per share of $116.51, and a dividend per share of $0.00. Over the trailing year, it posted revenue growth of 2.58% year-over-year, net income growth of 18.26% year-over-year, and EPS growth of 30.59% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 2.46x, free cash flow of $1.22B (TTM), and net debt of $-492.10M. Figures sourced from SEC EDGAR.
- Market Cap
- $6.67B
- P/E TTM
- 13.30x
- EPS TTM
- $47.89
- P/B TTM
- 4.20x
- ROE TTM
- 31.93%
- Free Cash Flow TTM
- $1.22B
- Net Revenue TTM Growth 1Y
- 2.58%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CREDIT ACCEPTANCE CORP in?
CREDIT ACCEPTANCE CORP (CACC) operates in the Personal Credit Institutions industry.
What exchange does CACC trade on?
CREDIT ACCEPTANCE CORP (CACC) trades on the Nasdaq.
Where is CREDIT ACCEPTANCE CORP incorporated?
CREDIT ACCEPTANCE CORP is incorporated in MI.
When was CREDIT ACCEPTANCE CORP (CACC)'s most recent SEC filing?
CREDIT ACCEPTANCE CORP (CACC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-04.
What is CACC's market cap?
CREDIT ACCEPTANCE CORP (CACC) has a market capitalization of $6.67B as of 2026-06-30.
What is CACC's P/E ratio?
CREDIT ACCEPTANCE CORP (CACC)'s trailing twelve month P/E ratio is 13.30x as of 2026-06-30.
What is CACC's EPS (earnings per share)?
CREDIT ACCEPTANCE CORP (CACC)'s trailing twelve month EPS is $47.89 as of 2026-06-30.
What is CACC's ROE (return on equity)?
CREDIT ACCEPTANCE CORP (CACC)'s trailing twelve month Return on Equity (ROE) is 31.93% as of 2026-06-30.
What is CACC's ROIC (return on invested capital)?
CREDIT ACCEPTANCE CORP (CACC)'s trailing twelve month Return on Invested Capital (ROIC) is 77.67% as of 2026-06-30.
What is CACC's EV/EBITDA?
CREDIT ACCEPTANCE CORP (CACC)'s trailing twelve month EV/EBITDA is 5.63x as of 2026-06-30.