Income Statement - CREDIT ACCEPTANCE CORP (CACC)
$(Billion, Million)| Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 | Dec-15 | Dec-14 | Dec-13 | Dec-12 | Dec-11 | Dec-10 | Dec-09 | Dec-08 | Dec-07 | Dec-06 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | 2,317.20 | 2,134.30 | 1,901.90 | 1,823.00 | 1,850.90 | 1,665.20 | 1,479.40 | 1,223.40 | 1,052.60 | 917.30 | 778.70 | 722.00 | 678.90 | 608.50 | 523.40 | 440.50 | 378.50 | 307.26 | 232.60 | 214.40 |
| Cost of revenue | 29.00 | 802.20 | 583.00 | 475.00 | 421.10 | 416.40 | 419.60 | 350.40 | 283.00 | 250.20 | 225.60 | 196.90 | 193.10 | 180.40 | 150.60 | 132.50 | 118.59 | 114.83 | 92.10 | 64.57 |
| Gross profit | 2,288.20 | 1,332.10 | 1,901.90 | 1,348.00 | 1,429.80 | 1,248.80 | 1,059.80 | 873.00 | 769.60 | 667.10 | 553.10 | 525.10 | 485.80 | 428.10 | 372.80 | 308.00 | 259.91 | 192.43 | 140.50 | 149.83 |
| Total operating expenses | 1,184.50 | 1,007.00 | 459.10 | 645.70 | 174.00 | 1,248.80 | 211.70 | 117.90 | 185.80 | 135.90 | 78.60 | 83.90 | 90.80 | 85.70 | 78.20 | 56.10 | 33.04 | 85.39 | 57.39 | 59.18 |
| Operating income | 1,103.70 | 325.10 | 367.60 | 702.30 | 1,255.80 | 540.50 | 848.10 | 755.10 | 583.80 | 531.20 | 474.50 | 441.20 | 395.00 | 342.40 | 294.60 | 251.90 | 226.87 | 107.04 | 83.11 | 90.65 |
| Non-operating income (net) | -538.30 | 4.40 | 0.00 | 9.40 | 5.10 | 9.00 | 7.80 | 0.00 | 0.00 | 0.00 | 0.00 | -20.30 | 3.20 | 0.70 | 1.80 | 1.60 | 2.16 | -0.03 | 0.07 | -0.01 |
| Income before tax | 565.40 | 329.50 | 367.60 | 711.70 | 1,260.90 | 549.50 | 855.90 | 755.10 | 583.80 | 531.20 | 474.50 | 420.90 | 398.20 | 343.10 | 296.40 | 253.50 | 229.04 | 107.01 | 83.18 | 90.64 |
| Income tax expense | 141.50 | 81.60 | 81.50 | 175.90 | 302.60 | 128.50 | 199.80 | 181.10 | 113.60 | 198.40 | 174.80 | 154.70 | 145.10 | 123.40 | 108.40 | 83.40 | 82.99 | 39.94 | 29.57 | 31.79 |
| Net income | 423.90 | 247.90 | 286.10 | 535.80 | 958.30 | 421.00 | 656.10 | 574.00 | 470.20 | 332.80 | 299.70 | 266.20 | 253.10 | 219.70 | 188.00 | 170.10 | 146.26 | 67.18 | 54.92 | 58.64 |
Show Quarterly Income Statement
Income Statement - CREDIT ACCEPTANCE CORP (CACC)
$(Billion, Million)| Mar-26 | Dec-25 | Sep-25 | Jun-25 | Mar-25 | Dec-24 | Sep-24 | Jun-24 | Mar-24 | Dec-23 | Sep-23 | Jun-23 | Mar-23 | Dec-22 | Sep-22 | Jun-22 | Mar-22 | Dec-21 | Sep-21 | Jun-21 | Mar-21 | Dec-20 | Sep-20 | Jun-20 | Mar-20 | Dec-19 | Sep-19 | Jun-19 | Mar-19 | Dec-18 | Sep-18 | Jun-18 | Mar-18 | Dec-17 | Sep-17 | Jun-17 | Mar-17 | Dec-16 | Sep-16 | Jun-16 | Mar-16 | Dec-15 | Sep-15 | Jun-15 | Mar-15 | Dec-14 | Sep-14 | Jun-14 | Mar-14 | Dec-13 | Sep-13 | Jun-13 | Mar-13 | Dec-12 | Sep-12 | Jun-12 | Mar-12 | Dec-11 | Sep-11 | Jun-11 | Mar-11 | Dec-10 | Sep-10 | Jun-10 | Mar-10 | Dec-09 | Sep-09 | Jun-09 | Mar-09 | Dec-08 | Sep-08 | Jun-08 | Mar-08 | Dec-07 | Sep-07 | Jun-07 | Mar-07 | Dec-06 | Sep-06 | Jun-06 | Mar-06 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | 580.00 | 579.90 | 576.40 | 575.60 | 562.30 | 557.70 | 543.60 | 531.30 | 501.70 | 485.40 | 472.80 | 472.60 | 449.00 | 455.40 | 457.80 | 455.80 | 455.40 | 462.60 | 469.70 | 471.30 | 450.50 | 446.50 | 425.90 | 405.60 | 387.20 | 383.70 | 376.60 | 368.10 | 351.00 | 341.00 | 330.10 | 314.00 | 294.90 | 327.10 | 283.20 | 275.50 | 262.40 | 290.90 | 234.60 | 226.10 | 213.60 | 250.60 | 198.20 | 192.80 | 182.00 | 213.90 | 170.70 | 171.50 | 166.00 | 202.40 | 161.80 | 160.40 | 154.90 | 158.64 | 149.70 | 146.00 | 136.90 | 136.16 | 133.74 | 129.97 | 123.51 | 113.82 | 111.66 | 111.78 | 103.26 | 97.97 | 100.27 | 92.37 | 87.89 | 81.90 | 80.11 | 75.01 | 70.78 | 58.10 | 61.06 | 58.29 | 57.35 | 46.14 | 55.40 | 55.08 | 53.03 |
| Cost of revenue | 6.50 | 6.70 | 220.40 | 221.60 | 219.40 | 206.60 | 207.00 | 200.60 | 188.00 | 161.50 | 153.70 | 152.70 | 149.50 | 127.10 | 121.60 | 116.50 | 109.80 | 115.30 | 113.00 | 90.70 | 102.10 | 100.30 | 104.10 | 106.30 | 105.70 | 107.40 | 106.50 | 105.40 | 100.30 | 93.30 | 89.20 | 85.70 | 82.20 | 75.50 | 69.70 | 68.70 | 69.10 | 63.10 | 64.10 | 61.40 | 61.60 | 57.00 | 57.40 | 57.30 | 53.90 | 50.70 | 44.90 | 48.70 | 52.60 | 49.20 | 47.20 | 49.80 | 46.90 | 180.40 | 47.10 | 45.00 | 43.20 | 150.67 | 14.60 | 14.95 | 12.62 | 132.51 | 12.04 | 12.27 | 11.71 | 118.59 | 8.14 | 7.29 | 7.92 | 114.83 | 10.95 | 9.88 | 10.86 | 33.80 | 9.03 | 9.46 | 25.10 | 23.03 | 24.29 | 21.16 | 21.05 |
| Gross profit | 573.50 | 573.20 | 356.00 | 354.00 | 342.90 | 351.10 | 336.60 | 330.70 | 313.70 | 323.90 | 319.10 | 319.90 | 299.50 | 328.30 | 336.20 | 339.30 | 345.60 | 347.30 | 356.70 | 380.60 | 348.40 | 346.20 | 321.80 | 299.30 | 281.50 | 276.30 | 270.10 | 262.70 | 250.70 | 247.70 | 240.90 | 228.30 | 212.70 | 251.60 | 213.50 | 206.80 | 193.30 | 227.80 | 170.50 | 164.70 | 152.00 | 193.60 | 140.80 | 135.50 | 128.10 | 163.20 | 125.80 | 122.80 | 113.40 | 153.20 | 114.60 | 110.60 | 108.00 | -21.76 | 102.60 | 101.00 | 93.70 | -14.51 | -14.60 | -14.95 | -12.62 | -18.69 | -12.04 | -12.27 | -11.71 | -20.62 | -8.14 | -7.29 | -7.92 | -32.94 | -10.95 | -9.88 | -10.86 | 61.12 | -9.03 | -9.46 | 57.35 | 47.45 | 55.40 | 55.08 | 53.03 |
| Total operating expenses | 290.10 | 266.60 | 213.10 | 244.40 | 208.80 | 167.40 | 236.80 | 369.20 | 233.60 | 211.90 | 319.10 | 297.30 | 177.50 | 156.90 | 216.60 | 198.80 | 61.40 | 63.20 | 24.90 | 1.30 | 84.60 | 131.00 | 4.00 | 172.20 | 388.80 | 61.50 | 53.10 | 49.90 | 47.20 | 48.50 | 44.40 | 31.70 | 55.70 | 89.40 | 54.10 | 50.20 | 49.50 | 51.50 | 46.00 | 42.40 | 47.90 | 34.90 | 34.90 | 28.40 | 27.00 | 18.00 | 21.50 | 21.90 | 22.50 | 22.60 | 23.30 | 22.20 | 22.70 | -65.19 | 24.80 | 17.60 | 20.40 | -50.38 | -93.27 | -85.58 | -79.88 | -50.27 | -77.23 | -78.90 | -64.16 | -58.82 | -70.45 | -64.36 | -53.88 | -26.74 | -43.89 | -26.35 | -38.58 | -18.45 | -30.42 | -29.89 | -22.92 | -12.24 | -24.21 | -27.06 | -27.13 |
| Operating income | 283.40 | 306.60 | 142.90 | 109.60 | 134.10 | 183.70 | 99.80 | -38.50 | 80.10 | 112.00 | 96.50 | 22.60 | 122.00 | 171.40 | 119.60 | 140.50 | 284.20 | 284.10 | 331.80 | 379.30 | 263.80 | 215.20 | 317.80 | 127.10 | -107.30 | 214.80 | 217.00 | 212.80 | 203.50 | 199.20 | 196.50 | 196.60 | 157.00 | 162.20 | 159.40 | 156.60 | 143.80 | 176.30 | 124.50 | 122.30 | 104.10 | 158.70 | 105.90 | 107.10 | 101.10 | 145.20 | 104.30 | 100.90 | 90.90 | 130.60 | 91.30 | 88.40 | 85.30 | 43.43 | 77.80 | 83.40 | 73.30 | 35.87 | 78.67 | 70.63 | 67.26 | 31.58 | 65.20 | 66.64 | 52.46 | 38.20 | 62.30 | 57.07 | 45.96 | -6.20 | 32.94 | 16.47 | 27.71 | 18.45 | 21.39 | 20.43 | 22.92 | 12.24 | 24.21 | 27.06 | 27.13 |
| Non-operating income (net) | -108.40 | -149.60 | 6.00 | 8.20 | 7.60 | 8.20 | 6.70 | -16.80 | 6.30 | 4.40 | 0.00 | 5.30 | 4.80 | -8.40 | 2.50 | 1.60 | 0.30 | 0.60 | 0.40 | 0.40 | 0.50 | 0.90 | 0.60 | 0.70 | -5.50 | 0.40 | 2.10 | 2.50 | 2.80 | 1.80 | 1.90 | 1.40 | 0.70 | -39.80 | 0.70 | 0.50 | 0.40 | -34.70 | 12.00 | 12.40 | 14.30 | -32.80 | 12.00 | 10.30 | 12.20 | -28.80 | 11.00 | 8.30 | -10.90 | -27.10 | 10.90 | 9.00 | 9.80 | 47.85 | 6.00 | 5.80 | 5.50 | 43.99 | 0.00 | 0.00 | 0.00 | 37.63 | 0.00 | 0.00 | 0.00 | 25.51 | 0.00 | 0.00 | 0.00 | 36.09 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income before tax | 175.00 | 157.00 | 148.90 | 117.80 | 141.70 | 191.90 | 106.50 | -55.30 | 86.40 | 116.40 | 96.50 | 27.90 | 126.80 | 163.00 | 122.10 | 142.10 | 284.50 | 284.70 | 332.20 | 379.70 | 264.30 | 216.10 | 318.40 | 127.80 | -112.80 | 215.20 | 219.10 | 215.30 | 206.30 | 201.00 | 198.40 | 198.00 | 157.70 | 122.40 | 160.10 | 157.10 | 144.20 | 141.60 | 136.50 | 134.70 | 118.40 | 125.90 | 117.90 | 117.40 | 113.30 | 116.40 | 115.30 | 109.20 | 80.00 | 103.50 | 102.20 | 97.40 | 95.10 | 91.28 | 83.80 | 89.20 | 78.80 | 79.86 | 78.67 | 70.63 | 67.26 | 69.21 | 65.20 | 66.64 | 52.46 | 63.71 | 62.30 | 57.07 | 45.96 | 29.89 | 32.94 | 16.47 | 27.71 | 18.45 | 21.39 | 20.43 | 22.92 | 12.24 | 24.21 | 27.06 | 27.13 |
| Income tax expense | 39.20 | 35.00 | 40.70 | 30.40 | 35.40 | 40.00 | 27.70 | -8.20 | 22.10 | 22.80 | 25.70 | 5.70 | 27.30 | 35.70 | 35.30 | 34.70 | 70.20 | 67.10 | 82.20 | 91.10 | 62.20 | 49.80 | 76.30 | 31.40 | -29.00 | 53.30 | 53.70 | 50.90 | 41.90 | 49.10 | 47.40 | 47.00 | 37.60 | -54.70 | 59.40 | 58.00 | 50.90 | 54.00 | 50.60 | 49.80 | 44.00 | 45.90 | 43.90 | 43.20 | 41.80 | 43.40 | 41.30 | 39.80 | 30.20 | 37.60 | 37.10 | 35.90 | 34.50 | 31.42 | 30.90 | 32.60 | 28.50 | 29.81 | 28.71 | 25.79 | 24.07 | 22.23 | 23.15 | 17.57 | 20.44 | 23.63 | 21.49 | 20.92 | 16.94 | 11.12 | 12.61 | 6.09 | 10.13 | 6.18 | 7.92 | 7.94 | 7.53 | 3.73 | 8.78 | 9.36 | 9.93 |
| Net income | 135.80 | 122.00 | 108.20 | 87.40 | 106.30 | 151.90 | 78.80 | -47.10 | 64.30 | 93.60 | 70.80 | 22.20 | 99.50 | 127.30 | 86.80 | 107.40 | 214.30 | 217.60 | 250.00 | 288.60 | 202.10 | 166.30 | 242.10 | 96.40 | -83.80 | 161.90 | 165.40 | 164.40 | 164.40 | 151.90 | 151.00 | 151.00 | 120.10 | 177.10 | 100.70 | 99.10 | 93.30 | 87.60 | 85.90 | 84.90 | 74.40 | 80.00 | 74.00 | 74.20 | 71.50 | 73.00 | 74.00 | 69.40 | 49.80 | 65.90 | 65.10 | 61.50 | 60.60 | 59.86 | 52.90 | 56.60 | 50.30 | 50.05 | 49.96 | 44.84 | 43.19 | 46.98 | 42.05 | 49.04 | 32.01 | 40.34 | 40.73 | 36.19 | 29.00 | 18.56 | 20.66 | 10.34 | 17.62 | 12.48 | 14.74 | 12.33 | 15.36 | 8.50 | 15.34 | 17.61 | 17.20 |