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CACCNasdaq SEC EDGAR

CREDIT ACCEPTANCE CORP

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

Financials

5-year history · USD
MetricFY 2025FY 2024FY 2023FY 2022FY 2021Trend
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 Margin18.3%11.5%15.0%29.2%51.6%
FCF Margin45.4%52.5%63.1%67.4%57.2%
R&D / Revenue——————
Effective Tax25.0%24.8%22.2%24.7%24.0%
Debt / Equity——————
Buybacks / FCF68.9%27.6%16.9%63.5%138.6%

Peer comparison

Personal Credit Institutions · 3 peers
CEO Pay Ratio
CACC
641:1
OMF
172:1
NNI
36:1
AFRM
74:1
CEO total comp
CACC
$27M
OMF
$15M
NNI
$2M
AFRM
$1M
Net Margin
CACC
18.3%
OMF
—
NNI
—
AFRM
1.6%