profit from every $100 of sales.
$0$100
Credit Acceptance
$503.53-2.00% today
+13.2% in 1 year
1-year low $411.041-year high $657.20
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $12.04 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Credit Acceptance sold, what it kept, and what it did with the cash.
Sales went from $1.82 billion in 2022 to $2.29 billion in 2025, with $424 million of profit last year.
SalesProfit
Credit Acceptance handed back 69% of the cash it generated last year.
Buybacks $725M
Free cash flow 2025$1.1B
Bought back its own shares$725M
Paid as dividends–
Cash vs. debt$23M vs. $6.4B
Credit Acceptance vs. similar companies
Credit Acceptance grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Credit Acceptance | 12.0× · Cheap | ||
 Sunbelt Rentals Holdings | 22.1× · Fair price | ||
 Global Payments | 16.7× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 42.1× · Expensive |
AI analysis
An AI analyst reads Credit Acceptance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 1,669 | 1,856 | 1,823 | 1,880 | 2,134 | 2,288 | |
| – | – | 1,348 | 1,262 | 1,332 | 1,416 | |
| – | – | 702 | 347 | 325 | 620 | |
| – | – | 728 | 374 | 353 | 647 | |
| 421 | 958 | 536 | 286 | 248 | 424 | |
| 23.47 | 59.52 | 39.32 | 21.99 | 19.88 | 36.38 | |
| – | – | 73.9% | 67.2% | 62.4% | 61.9% | |
| – | – | 38.5% | 18.5% | 15.2% | 27.1% | |
| 25.2% | 51.6% | 29.4% | 15.2% | 11.6% | 18.5% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 7,489 | 7,051 | 6,905 | 7,610 | 8,855 | 8,632 |
| Cash | 16 | 23 | 8 | 13 | 344 | 23 |
| Total debt | – | – | 4,591 | 5,068 | 6,353 | 6,354 |
| Total liabilities | 5,187 | 5,227 | 5,281 | 5,857 | 7,105 | 7,108 |
| 2,303 | 1,824 | 1,624 | 1,754 | 1,750 | 1,524 | |
| 18 | 16 | 14 | 13 | 12 | 12 | |
| – | – | 8.9% | 4.0% | 3.2% | 6.2% | |
| 18.3% | 52.5% | 33.0% | 16.3% | 14.2% | 27.8% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 985 | 1,069 | 1,239 | 1,204 | 1,138 | 1,055 | |
| 9 | 8 | 3 | 4 | 2 | 2 | |
| 977 | 1,062 | 1,236 | 1,200 | 1,136 | 1,053 | |
| Dividends paid | – | – | – | – | – | – |
| 481 | 1,472 | 785 | 203 | 313 | 725 | |
| 6 | 25 | 37 | 39 | 45 | 51 |
Valuation
- 12.0×
- 10.9×
- 1.31
- 3.9×
- 2.2×
- 4.8×
- 17.7×
- 20.6%
- 8.3%
- 0.0%
Profitability
- 61.9%
- 27.1%
- 18.5%
- 36.1%
- 7.7%
- 7.2%
- 29.4%
- 5.2%
- 10.2%
- –
Growth
- +6.5%
- +9.2%
- −7.3%
- –
- −8.9%
Financial health
- 7.7×
- 4.23
- 73.7%
- 3.8×
- 20.57
- 20.57
- 0.27
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 32%of 828
Top 36%of 711
Top 38%of 875
Bottom 44%of 878
Top 11%of 926
What analysts expect
- Average price target
- $540.00
- Range
- $540.00 – $540.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 10.71 | 10.61 | +0.9% |
| Jan 29, 2026 | 11.35 | 10.30 | +10.2% |
| Oct 30, 2025 | 10.28 | 9.87 | +4.2% |
| Jul 31, 2025 | 8.56 | 9.84 | −13.0% |
| Apr 30, 2025 | 8.66 | 10.31 | −16.0% |
| Jan 30, 2025 | 12.26 | 7.70 | +59.2% |
| Oct 30, 2024 | 6.35 | 9.21 | −31.1% |
| Jul 31, 2024 | -3.83 | 7.20 | −153.2% |
News
Investcorp Credit Management BDC GAAP EPS of -$0.33, TII of $3.14MSeeking Alpha · Nov 12, 2026Your holiday credit-card bills are going up. What you can do to ease the pain.MarketWatch · Nov 11, 2026From living in his car to a 756 credit score: How one veteran rebuilt his financesMarketWatch · Nov 11, 2026Global Partners outlines 2026 maintenance CapEx of $65M-$75M while extending credit maturity to October 2031Seeking Alpha · Nov 6, 2026MercadoLibre outlines 20% fulfillment expansion while keeping affiliate investments and credit risk discipline in focusSeeking Alpha · Nov 5, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
60Pass
Benjamin Graham
55No pass
Philip Fisher
68Pass
Peter Lynch
46No pass
Joel Greenblatt
32No pass
Charlie Munger
61Pass
Terry Smith
60Pass
Questions about Credit Acceptance
Is Credit Acceptance a good stock to buy?
A business with weak numbers, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Credit Acceptance AI analysis
What does Credit Acceptance do?
Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. It is in Financial - Credit Services, based in Southfield, MI, United States, with 2,314 employees.
Does Credit Acceptance pay a dividend?
No. Credit Acceptance does not pay a dividend at the moment; in 2025 it returned $725 million to shareholders by buying back its own shares.
Is Credit Acceptance stock halal?
No. Credit Acceptance does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Credit Acceptance stock done over the past year?
Up 13.2% over the past twelve months, to $503.53. It traded between $411.04 and $657.20 and is 23.4% below its high.
Who are Credit Acceptance's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Credit Acceptance's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.