CREDIT ACCEPTANCE CORP

Personal Credit Institutions·SOUTHFIELD, MI·FY end 12/31·CIK 885550

CEO Pay Ratio

641:1

Kenneth S. Booth

CEO Total Comp

$27.4M

Kenneth S. Booth

Median Employee

—

Revenue

$2.3B

FY 2025

Net Income

$423.9M

FY 2025

Free Cash Flow

$1.1B

FY 2025

Net Margin

18.3%

Insider Net (180d)

-$30.7M

0 buys / 81 sales

CEO Pay Accountability

CEO comp as % of net income

6.47%

For every $1,000 of profit, $64.68 flows to the CEO.

CEO comp as % of buybacks

3.78%

CEO comp equals 37.8‰ of cash returned to shareholders via buybacks.

5-year history · USD

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	Trend
Revenue	$2.3B	$2.2B	$1.9B	$1.8B	$1.9B
Gross Profit	—	—	—	—	—	—
Operating Income	—	—	—	—	—	—
Net Income	$423.9M	$247.9M	$286.1M	$535.8M	$958.3M
Operating CF	$1.1B	$1.1B	$1.2B	$1.2B	$1.1B
Capex	$1.6M	$1.8M	$4.0M	$3.1M	$7.6M
Free Cash Flow	$1.1B	$1.1B	$1.2B	$1.2B	$1.1B
Buybacks	$725.4M	$313.3M	$202.6M	$784.5M	$1.5B
Dividends	—	—	—	—	—	—

Gross Margin	—	—	—	—	—	—
Operating Margin	—	—	—	—	—	—
Net Margin	18.3%	11.5%	15.0%	29.2%	51.6%
FCF Margin	45.4%	52.5%	63.1%	67.4%	57.2%
R&D / Revenue	—	—	—	—	—	—
Effective Tax	25.0%	24.8%	22.2%	24.7%	24.0%
Debt / Equity	—	—	—	—	—	—
Buybacks / FCF	68.9%	27.6%	16.9%	63.5%	138.6%

FY 2025

Executive	Salary	Stock	Options	Bonus / Inc.	Other	Total
Vinayak R. Hegde	$147.7K	$61.6M	—	$500.0K	$286.4K	$62.6M
Kenneth S. BoothFormer Chief Executive Officer and	$1.0M	$26.4M	—	—	$17.5K	$27.4M
Douglas W. BuskFormer Chief Treasury Officer	$514.2K	$2.2M	—	$746.7K	$18.5K	$3.4M
Ravi Mohan	$733.6K	—	—	$1.0M	$18.3K	$1.8M
Daniel A. UlatowskiFormer Chief Sales Officer	$762.3K	—	—	—	$18.5K	$780.9K
Arthur L. SmithFormer Chief Analytics Officer	$762.3K	—	—	—	$18.4K	$780.7K
Jay D. MartinChief Financial Officer (d)(e)	$605.1K	—	—	—	$18.3K	$623.5K