Credit Acceptance Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $2.3B+7.7% YoYTTM through 30 Jun 2026
Net Income $501.9M+102.5% YoYTTM through 30 Jun 2026
Free Cash Flow $1.2BTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 24.4% |
| Net Margin | 21.5% |
Returns
25.9%ROE
4.9%ROA
6.3%ROIC
Balance Sheet Health
Debt / Equity4.06x
Net Debt$6.4B
Cash & Equivalents$1.4M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin52.4%
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $2.3B
Diluted EPS$45.31TTMFY2025: $36.38
Dividend
No dividend
Capital Allocation
Capex Intensity0.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Core Auto Finance | $2.3B | +7.3% | View detailsManagement continues to prioritize underwriting discipline and profitability over loan volume, utilizing scorecard adjustments to stabilize loan performance. |
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