Credit Acceptance (CACC)
Funds dealer-originated vehicle loans for consumers with impaired or limited credit histories.
$555.50
vs last close−6.84 (−1.22%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 473 | 485 | 502 | 531 | 544 | 558 | 562 | 576 | 576 | 580 | 580 | 587 |
| Cost of revenue | 154 | 162 | 188 | 201 | 207 | 207 | 219 | 222 | 220 | 7 | 7 | 6 |
| Gross profit | 319 | 324 | 314 | 331 | 337 | 351 | 343 | 354 | 356 | 573 | 574 | 581 |
| 319 | 212 | 234 | 369 | 237 | 167 | 209 | 244 | 213 | 267 | 290 | 305 | |
| 44 | 48 | 48 | 49 | 52 | 44 | 47 | 72 | 61 | 0 | 53 | 56 | |
| Selling & marketing | 23 | 21 | 24 | 25 | 23 | 22 | 25 | 27 | 25 | 0 | 28 | 30 |
| General & administrative | 21 | 27 | 24 | 23 | 29 | 22 | 22 | 45 | 36 | 0 | 25 | 26 |
| Other expenses | 275 | 164 | 186 | 321 | 185 | 123 | 162 | 173 | 152 | 267 | 238 | 249 |
| Operating income | 0 | 112 | 80 | −39 | 100 | 184 | 134 | 110 | 143 | 307 | 283 | 276 |
| 97 | 4 | 6 | −17 | 7 | 8 | 8 | 8 | 6 | −150 | −108 | −107 | |
| Interest income | 5 | 5 | 6 | 6 | 6 | 8 | 8 | 8 | 6 | 541 | 543 | 551 |
| Interest expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 114 | 108 | 107 |
| Other non-operating income | −91 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36 | 0 | 0 |
| Income before tax | 97 | 116 | 86 | −55 | 107 | 192 | 142 | 118 | 149 | 157 | 175 | 169 |
| Income tax expense | 26 | 23 | 22 | −8 | 28 | 40 | 35 | 30 | 41 | 35 | 39 | 33 |
| Net income from continuing operations | 71 | 94 | 64 | −47 | 79 | 152 | 106 | 87 | 108 | 122 | 136 | 136 |
| Net income | 71 | 94 | 64 | −47 | 79 | 152 | 106 | 87 | 108 | 122 | 136 | 136 |
| EPS, basic | $5.47 | $7.33 | $5.15 | −$3.83 | $6.42 | $12.33 | $8.79 | $7.55 | $9.62 | $11.18 | $12.64 | $12.97 |
| EPS, diluted | $5.43 | $7.29 | $5.08 | −$3.83 | $6.35 | $12.26 | $8.66 | $7.42 | $9.43 | $10.99 | $12.40 | $12.66 |
| Weighted average shares, basic | 13 | 13 | 12 | 12 | 12 | 12 | 12 | 12 | 11 | 11 | 11 | 10 |
| Weighted average shares, diluted | 13 | 13 | 13 | 12 | 12 | 12 | 12 | 12 | 11 | 11 | 11 | 11 |
| EBITDA | 98 | 119 | 87 | −32 | 107 | 191 | 141 | 116 | 150 | 278 | 290 | 282 |
| Depreciation & amortization | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 6 |
| EBIT | 91 | 112 | 80 | −39 | 100 | 184 | 134 | 110 | 143 | 271 | 283 | 276 |