← CREDIT ACCEPTANCE CORP CACC
Market Price
$586.67
Market Cap
$6.10B
P/E Ratio
16.13
Revenue (FY 2025)
↑7.2% YoY
$2.32B
3-Yr CAGR: 8.1%
Net Income
↑71.0% YoY
$423.90M
Net Margin: 18.3%
Free Cash Flow
↓-7.3% YoY
$1.05B
FCF Yield: 17.27%
EPS (Diluted)
↑83.0% YoY
$36.38
Basic: $37.02
Return on Equity
Efficiency
27.8%
ROA: 4.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CACC)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $969.2M | — | $871.5M | $332.8M | — | $16.31 | — | $507.2M | $501.7M | — |
| FY 2017 | $1,110.0M | +14.5% | $989.8M | $470.2M | +41.3% | $24.04 | +47.4% | $566.0M | $557.6M | +11.1% |
| FY 2018 | $1,285.8M | +15.8% | $1,129.2M | $574.0M | +22.1% | $29.39 | +22.3% | $703.9M | $678.8M | +21.7% |
| FY 2019 | $1,489.0M | +15.8% | $1,292.8M | $656.1M | +14.3% | $34.57 | +17.6% | $812.3M | $785.5M | +15.7% |
| FY 2020 | $1,669.3M | +12.1% | $1,477.3M | $421.0M | -35.8% | $23.47 | -32.1% | $985.2M | $976.7M | +24.3% |
| FY 2021 | $1,856.0M | +11.2% | $1,691.8M | $958.3M | +127.6% | $59.52 | +153.6% | $1,069.4M | $1,061.8M | +8.7% |
| FY 2022 | $1,832.4M | -1.3% | $1,665.8M | $535.8M | -44.1% | $39.32 | -33.9% | $1,238.7M | $1,235.6M | +16.4% |
| FY 2023 | $1,901.9M | +3.8% | $1,635.4M | $286.1M | -46.6% | $21.99 | -44.1% | $1,203.8M | $1,199.8M | -2.9% |
| FY 2024 | $2,162.4M | +13.7% | $1,742.9M | $247.9M | -13.4% | $19.88 | -9.6% | $1,137.9M | $1,136.1M | -5.3% |
| FY 2025 | $2,317.2M | +7.2% | $1,854.3M | $423.9M | +71.0% | $36.38 | +83.0% | $1,054.6M | $1,053.0M | -7.3% |
Valuation
Market Price
$586.67
Market Cap
$6.10B
Enterprise Value
N/A
P/E Ratio
16.13
P/B Ratio
4.03
FCF Yield
17.27%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
80.02%
Operating Margin
24.40%
Net Margin
18.29%
Return on Equity (ROE)
27.82%
Return on Assets (ROA)
4.91%
Asset Turnover
0.27x
Revenue 3-Yr CAGR
8.14%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$22.80M
Total Debt
N/A
Book Value / Share
$145.66
Cash Flow Efficiency
Operating Cash Flow
$1.05B
Capital Expenditures (CapEx)
$1.60M
Free Cash Flow
$1.05B
OCF / Revenue
45.51%
FCF / Revenue
45.44%
FCF 3-Yr CAGR
-5.19%
Per Share Metrics
EPS (Diluted)
$36.38
EPS (Basic)
$37.02
Dividends / Share
N/A
Book Value / Share
$145.66
EPS YoY Growth
83.00%
Balance Sheet (FY 2025)
Total Assets
$8.63B
Total Liabilities
$354.00M
Stockholders' Equity
$1.52B
Current Assets
N/A
Current Liabilities
N/A