CREDIT ACCEPTANCE CORP — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that CREDIT ACCEPTANCE CORP filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Revenue
Total revenue from all business activities — the top line of the income statement. Represents all money earned before any expenses are deducted.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $2.32B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $2.16B | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $1.90B | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $1.83B | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | $1.86B | Feb 12, 2024 |
| FY2020 | Dec 31, 2020 | $447.40M | Feb 12, 2021 |
| FY2020 | Sep 30, 2020 | $426.50M | Feb 12, 2021 |
| FY2020 | Jun 30, 2020 | $406.30M | Feb 12, 2021 |
| FY2020 | Mar 31, 2020 | $389.10M | Feb 12, 2021 |
| FY2020 | Dec 31, 2019 | $385.90M | Feb 12, 2021 |
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $423.90M | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $247.90M | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $286.10M | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $535.80M | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | $958.30M | Feb 12, 2024 |
| FY2020 | Dec 31, 2020 | $166.30M | Feb 12, 2021 |
| FY2020 | Sep 30, 2020 | $242.10M | Feb 12, 2021 |
| FY2020 | Jun 30, 2020 | $96.40M | Feb 12, 2021 |
| FY2020 | Mar 31, 2020 | ($83.80M) | Feb 12, 2021 |
| FY2020 | Dec 31, 2019 | $161.90M | Feb 12, 2021 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.05B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $1.14B | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $1.20B | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $1.24B | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | $1.07B | Feb 12, 2024 |
| FY2022 | Dec 31, 2020 | $985.20M | Feb 10, 2023 |
| FY2021 | Dec 31, 2019 | $812.30M | Feb 11, 2022 |
| FY2020 | Dec 31, 2018 | $703.90M | Feb 12, 2021 |
| FY2019 | Dec 31, 2017 | $566.00M | Feb 11, 2020 |
| FY2018 | Dec 31, 2016 | $507.20M | Feb 8, 2019 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.60M | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $1.80M | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $4.00M | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $3.10M | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | $7.60M | Feb 12, 2024 |
| FY2022 | Dec 31, 2020 | $8.50M | Feb 10, 2023 |
| FY2021 | Dec 31, 2019 | $26.80M | Feb 11, 2022 |
| FY2020 | Dec 31, 2018 | $25.10M | Feb 12, 2021 |
| FY2019 | Dec 31, 2017 | $8.40M | Feb 11, 2020 |
| FY2018 | Dec 31, 2016 | $5.50M | Feb 8, 2019 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $8.63B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $8.85B | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | $7.61B | Feb 12, 2025 |
| FY2023 | Dec 31, 2022 | $6.90B | Feb 12, 2024 |
| FY2022 | Dec 31, 2021 | $7.05B | Feb 10, 2023 |
| FY2021 | Dec 31, 2020 | $7.49B | Feb 11, 2022 |
| FY2020 | Dec 31, 2019 | $7.42B | Feb 12, 2021 |
| FY2019 | Dec 31, 2018 | $6.24B | Feb 11, 2020 |
| FY2018 | Dec 31, 2017 | $4.99B | Feb 8, 2019 |
| FY2017 | Dec 31, 2016 | $4.22B | Feb 9, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $7.11B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $7.11B | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | $5.86B | Feb 12, 2025 |
| FY2023 | Dec 31, 2022 | $5.28B | Feb 12, 2024 |
| FY2022 | Dec 31, 2021 | $5.23B | Feb 10, 2023 |
| FY2021 | Dec 31, 2020 | $5.19B | Feb 11, 2022 |
| FY2020 | Dec 31, 2019 | $5.07B | Feb 12, 2021 |
| FY2019 | Dec 31, 2018 | $4.25B | Feb 11, 2020 |
| FY2018 | Dec 31, 2017 | $3.45B | Feb 8, 2019 |
| FY2017 | Dec 31, 2016 | $3.04B | Feb 9, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.52B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $1.75B | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $1.75B | Feb 13, 2026 |
| FY2025 | Dec 31, 2022 | $1.62B | Feb 13, 2026 |
| FY2024 | Dec 31, 2021 | $1.82B | Feb 12, 2025 |
| FY2023 | Dec 31, 2020 | $2.30B | Feb 12, 2024 |
| FY2022 | Dec 31, 2019 | $2.36B | Feb 10, 2023 |
| FY2021 | Dec 31, 2018 | $1.99B | Feb 11, 2022 |
| FY2020 | Dec 31, 2017 | $1.54B | Feb 12, 2021 |
| FY2019 | Dec 31, 2016 | $1.17B | Feb 11, 2020 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.12B | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $1.41B | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | $1.48B | Feb 12, 2025 |
| FY2023 | Dec 31, 2022 | $1.38B | Feb 12, 2024 |
| FY2022 | Dec 31, 2021 | $1.63B | Feb 10, 2023 |
| FY2021 | Dec 31, 2020 | $2.14B | Feb 11, 2022 |
| FY2020 | Dec 31, 2019 | $2.20B | Feb 12, 2021 |
| FY2019 | Dec 31, 2018 | $1.84B | Feb 11, 2020 |
| FY2018 | Dec 31, 2017 | $1.39B | Feb 8, 2019 |
| FY2017 | Dec 31, 2016 | $1.04B | Feb 9, 2018 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $22.80M | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | $343.70M | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | $13.20M | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | $7.70M | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | $23.30M | Feb 12, 2024 |
| FY2022 | Dec 31, 2020 | $16.00M | Feb 10, 2023 |
| FY2021 | Dec 31, 2019 | $187.40M | Feb 11, 2022 |
| FY2020 | Dec 31, 2018 | $25.70M | Feb 12, 2021 |
| FY2019 | Dec 31, 2017 | $8.20M | Feb 11, 2020 |
| FY2018 | Dec 31, 2016 | $14.60M | Feb 8, 2019 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2014 | Dec 31, 2014 | $1.75B | Feb 12, 2015 |
| FY2014 | Sep 30, 2014 | $1.66B | Feb 12, 2015 |
| FY2014 | Jun 30, 2014 | $1.65B | Feb 12, 2015 |
| FY2014 | Mar 31, 2014 | $1.56B | Feb 12, 2015 |
| FY2014 | Dec 31, 2013 | $1.39B | Feb 12, 2015 |
| FY2014 | Sep 30, 2013 | $1.43B | Feb 12, 2015 |
| FY2014 | Jun 30, 2013 | $1.41B | Feb 12, 2015 |
| FY2014 | Mar 31, 2013 | $1.36B | Feb 12, 2015 |
| FY2013 | Dec 31, 2012 | $1.25B | Feb 14, 2014 |
| FY2013 | Sep 30, 2012 | $1.26B | Feb 14, 2014 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 37 | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | 20 | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | 22 | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | 39 | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | 59 | Feb 12, 2024 |
| FY2020 | Dec 31, 2020 | 9 | Feb 12, 2021 |
| FY2020 | Sep 30, 2020 | 13 | Feb 12, 2021 |
| FY2020 | Jun 30, 2020 | 5 | Feb 12, 2021 |
| FY2020 | Mar 31, 2020 | (4) | Feb 12, 2021 |
| FY2020 | Dec 31, 2019 | 8 | Feb 12, 2021 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 36 | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | 19 | Feb 13, 2026 |
| FY2025 | Dec 31, 2023 | 21 | Feb 13, 2026 |
| FY2024 | Dec 31, 2022 | 39 | Feb 12, 2025 |
| FY2023 | Dec 31, 2021 | 59 | Feb 12, 2024 |
| FY2020 | Dec 31, 2020 | 9 | Feb 12, 2021 |
| FY2020 | Sep 30, 2020 | 13 | Feb 12, 2021 |
| FY2020 | Jun 30, 2020 | 5 | Feb 12, 2021 |
| FY2020 | Mar 31, 2020 | (4) | Feb 12, 2021 |
| FY2020 | Dec 31, 2019 | 8 | Feb 12, 2021 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 10.68M | Feb 13, 2026 |
| FY2025 | Dec 31, 2024 | 12.05M | Feb 13, 2026 |
| FY2024 | Dec 31, 2023 | 12.52M | Feb 12, 2025 |
| FY2023 | Dec 31, 2022 | 12.76M | Feb 12, 2024 |
| FY2022 | Dec 31, 2021 | 14.15M | Feb 10, 2023 |
| FY2021 | Dec 31, 2020 | 17.09M | Feb 11, 2022 |
| FY2020 | Dec 31, 2019 | 18.35M | Feb 12, 2021 |
| FY2019 | Dec 31, 2018 | 18.97M | Feb 11, 2020 |
| FY2018 | Dec 31, 2017 | 19.31M | Feb 8, 2019 |
| FY2017 | Dec 31, 2016 | 19.88M | Feb 9, 2018 |