CREDIT ACCEPTANCE CORP
Company Stats
- Market Cap
- $5.5B
- as of Sep 30, 2026
- Enterprise Value
- $11.9B
- Shares Outstanding
- 10.4M
- Free Float
- 21.9%
Income Statement
- Revenue
- $2.3B
- Net Income
- $423.9M
- Revenue Growth, 3Y
- 8.1%
- FCF Margin, 3Y Avg
- 53.7%
- FCF Margin, Worst Year
- 45.4%
Cash Flow
- Free Cash Flow
- $1.1B
- FCF Yield
- 19.1%
- Owner FCF Yield
- 18.2%
Balance Sheet
- Cash & Equivalents
- $22.8M
- Total Debt
- $6.4B
- Net Debt
- $6.4B
Returns & Capital
- Share Repurchases
- $725.4M
- Buyback Yield, 3Y Avg
- 7.5%
- SBC, 3Y Avg
- $44.9M
Cash Flow by Year
| Year | Revenue | FCF | Margin |
|---|---|---|---|
| FY2025 | $2.3B | $1.1B | 45.4% |
| FY2024 | $2.2B | $1.1B | 52.5% |
| FY2023 | $1.9B | $1.2B | 63.1% |
| FY2022 | $1.8B | $1.2B | 67.4% |
| FY2021 | $1.9B | $1.1B | 57.2% |
Annual filing data through FY ended December 31, 2025; shares and float as of October 8, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.
Earnings
Other Coverage
November 8, 2026
Insider Signal
Stride's $15 million insider buying stands out for scale
September 28, 2026
QBook
Stronger demand supports expansion as pricing diverges
August 14, 2026
Industry Earnings Roundup
Financial Services Earnings: Demand Strong, Costs Bite Back
June 11, 2026
Financials Signal
Capital Recycling and Credit Divergence
Stride's $15 million insider buying stands out for scale
September 28, 2026
QBook
Stronger demand supports expansion as pricing diverges
August 14, 2026
Industry Earnings Roundup
Financial Services Earnings: Demand Strong, Costs Bite Back
June 11, 2026
Financials Signal
Capital Recycling and Credit Divergence