Loan Loss Reserves / Non-Performing Loans (Annual)

Loan Loss Reserves / Non-Performing Loans: Allowance for bad loans as a portion of total loans made. Calculated as: Loan Loss Reserves / Non-Performing Loans

Credit Acceptance Corporation (CACC) Loan Loss Reserves / Non-Performing Loans data is not available.

Quarterly Annual

Figures for fiscal year ending 2025-12-31

Income Statement Financials
Revenue	$2.32B
Net Income	$423.90M
Cost of Goods Sold	--
Gross Profit	$2.32B
Operating Expenses	$1.22B
Operating Income	$1.10B
Non-Operating Income/Expense	$-535.80M
Pre-Tax Income	$565.40M
Normalized Pre-Tax Income	$565.40M
Income after Taxes	$423.90M
Income from Continuous Operations	$423.90M
Consolidated Net Income/Loss	$423.90M
Normalized Income after Taxes	$423.90M
EBIT	$1.10B
EBITDA	$1.13B
Weighted-Average Shares Outstanding (Basic)	11.45M
Weighted-Average Shares Outstanding (Diluted)	11.65M
Earnings per Share (EPS) (Basic)	$37.02
Earnings per Share (EPS) (Diluted)	$36.38
Balance Sheet Financials
Current Assets	$8.58B
Property, Plant, and Equipment	$12.60M
Long-Term Assets	$48.40M
Total Assets	$8.63B
Current Liabilities	$507.50M
Long-Term Debt	$6.25B
Long-Term Liabilities	$6.60B
Total Liabilities	$7.11B
Common Equity	$1.52B
Tangible Shareholders Equity	$1.52B
Shareholders Equity	$1.52B
Common Shares Outstanding	10.68M
Cash Flow Statement Financials
Cash Flow from Operating Activities	$1.05B
Cash Flow from Investing Activities	$-674.30M
Cash Flow from Financial Activities	$-724.60M
Beginning Cash	$845.00M
End Cash	$500.70M
Increase/Decrease in Cash	$-344.30M
Stock-Based Compensation	$50.70M
Common Stock Dividends Paid	--
Preferred Stock Dividends Paid	--
Fundamental Metrics & Ratios
Current Ratio	16.91
Non-Performing Assets / Total Loans	--
Loan Loss Reserves / Non-Performing Loans	--
Debt to Capital Ratio	0.80
Debt to Equity Ratio	4.17
Gross Margin	100.00%
Operating Margin	47.52%
EBIT Margin	47.52%
EBITDA Margin	48.67%
Pre-Tax Profit Margin	24.40%
Profit Margin	18.29%
Free Cash Flow	$1.05B
Loss Ratio	--
Expense Ratio	--
Combined Ratio	--
Asset Turnover	0.27
Inventory Turnover	--
Receiveable Turnover	34.48
Days Sales in Receivables	10.59
Return on Equity	27.82%
Return on Tangible Equity	27.82%
Return on Assets	4.91%
Return on Investments	5.46%
Book Value Per Share	$142.66
Free Cash Flow per Share	$90.38
Operating Cash Flow per Share	$90.52

Data from Zacks Investment Research, Inc.