CACC FY 2025 Earnings Report — Credit Acceptance Corporation Revenue & Financial Results | Market Cap Arena

Credit Acceptance CorporationCACC

FY 2025 Earnings

Reported February 13, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$2.3B	—	$2.1B	—	8.6%
Op. Income	$1.1B	—	$325M	—	239.5%
Gross Margin	98.7%	—	62.4%	—	36.3pp
Net Margin	18.3%	—	11.6%	—	6.7pp
EPS (Diluted)	$37.55	—	$19.88	—	88.9%
Free Cash Flow	$1.1B	—	$1.1B	—	-7.3%

Revenue Flow

Item	Amount
REVENUE	$2.3B
Cost of Revenue	$29M
GROSS PROFIT	$2.3B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$0
SG&A Expenses	$0
Other Expenses	$1.2B
Operating Expenses	$1.2B
Cost & Expenses	$1.2B
OPERATING INCOME	$1.1B
Interest Income	$2.2B
Interest Expense	$463M
Other Income/Expenses	-$538M
INCOME BEFORE TAX	$565M
Income Tax Expense	$142M
Net Income from Continuing Ops	$424M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$424M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$424M
D&A	$29M
EBIT	$1.0B
EBITDA	$1.1B
EPS	$38
EPS Diluted	$38

Income Statement

Item	Amount
REVENUE	$2.3B
Cost of Revenue	$29M
GROSS PROFIT	$2.3B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$0
SG&A Expenses	$0
Other Expenses	$1.2B
Operating Expenses	$1.2B
Cost & Expenses	$1.2B
OPERATING INCOME	$1.1B
Interest Income	$2.2B
Interest Expense	$463M
Other Income/Expenses	-$538M
INCOME BEFORE TAX	$565M
Income Tax Expense	$142M
Net Income from Continuing Ops	$424M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$424M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$424M
D&A	$29M
EBIT	$1.0B
EBITDA	$1.1B
EPS	$38
EPS Diluted	$38

Cash Flow Statement

Item	Amount
Net Income	$424M
Depreciation & Amortization	$4M
Stock-Based Compensation	$51M
Deferred Income Tax	$35M
Other Non-Cash Items	$542M
Change in Working Capital	$0
OPERATING CASH FLOW	$1.1B
Capital Expenditure	-$2M
Acquisitions (Net)	$0
Purchases of Investments	-$43M
Sales/Maturities of Investments	$46M
Other Investing Activities	-$675M
NET CASH FROM INVESTING	-$674M
Net Debt Issuance	$0
Common Stock Repurchased	$0
Common Dividends Paid	$0
Other Financing Activities	-$725M
NET CASH FROM FINANCING	-$725M
FREE CASH FLOW	$1.1B
Net Change in Cash	-$344M

Balance Sheet

Item	Amount
Cash & Equivalents	$501M
Short-Term Investments	$10M
Net Receivables	$67M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$578M
PP&E (Net)	$13M
Goodwill	$0
Intangible Assets	$0
Long-Term Investments	$8.0B
Tax Assets	$967M
Other Non-Current Assets	$36M
TOTAL NON-CURRENT ASSETS	$9.0B
TOTAL ASSETS	$9.6B
Account Payables	$0
Short-Term Debt	$2.2B
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$2.2B
Long-Term Debt	$4.2B
Deferred Revenue NC	$74M
Deferred Tax Liabilities	$1.3B
Other Non-Current Liabilities	$324M
TOTAL NON-CURRENT LIABILITIES	$5.9B
TOTAL LIABILITIES	$8.1B
Common Stock	$100.0K
Additional Paid-In Capital	$403M
Retained Earnings	$1.1B
Treasury Stock	$0
Accum. Other Comp. Income	$1M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$1.5B
Minority Interest	$0
TOTAL EQUITY	$1.5B
TOTAL LIABILITIES & EQUITY	$9.6B
Total Debt	$6.4B
Net Debt	$5.9B