# CREDIT ACCEPTANCE CORP (CACC) · Edgar & Edgarette company card

> Credit Acceptance (CACC) grew revenue 7.2% in FY2025 to $2.3 billion, equity 17.7% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 885550 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/CACC) · [JSON](https://www.pops4.com/boards/company/CACC.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $2.3B |
| Revenue growth, 1 year | 7.2% |
| Revenue growth per year | 5.7% |
| Operating margin | — |
| Net margin | 18.3% |
| Operating cash flow | $1.1B |
| Capital spending | $2M |
| Free cash flow | $1.1B |
| Cash | $23M |
| Long-term debt | — |
| Total assets | $8.6B |
| Total equity | $1.5B |
| Equity ÷ assets | 17.7% |
| Return on equity | 27.8% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 7 of 9 (solid)
- Health Harbor boat: New ship · no warning signs
- Cash Compass: Cash cow later · growing fast, and already turning revenue into cash

## Edgarette's reading

Exposure: revenue $2.3B (FY2025). Experience: revenue up 7.2% on the year, up 5.7% a year over 4 years. Soundness: equity 17.7% of assets, return on equity 27.8%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $2.2B and $2.7B next year (method v4.1: its own 4-year record of growth weighed at 50% against $1B–10B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $2.0B to $2.9B. A statistical range, not company guidance. Against peers (44 filers, $50M+ revenue, its industry group): growth 7.2% against 16.8%.

Range logged 2026-09-24, receipt 0bc63416f067ed7e, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 5, latest 2026-09-04 ([filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000189/0000885550-26-000189-index.htm))

## Recent filings

- 10-Q · filed 2026-10-29 · [filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000201/0000885550-26-000201-index.htm)
- 8-K · filed 2026-10-29 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000200/0000885550-26-000200-index.htm)
- 8-K · filed 2026-09-21 · 1.01 Entry into a Material Definitive Agreement; 2.03 Creation of a Direct Financial Obligation; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000195/0000885550-26-000195-index.htm)
- 8-K · filed 2026-09-18 · 1.01 Entry into a Material Definitive Agreement; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000192/0000885550-26-000192-index.htm)
- 8-K · filed 2026-09-04 · 5.02 Departure or Election of Directors; Appointment of Officers · [filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000189/0000885550-26-000189-index.htm)
- 8-K · filed 2026-08-25 · 1.01 Entry into a Material Definitive Agreement; 2.03 Creation of a Direct Financial Obligation; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/885550/000088555026000185/0000885550-26-000185-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000885550.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=885550

## Cite

POPS4, Edgar & Edgarette: CREDIT ACCEPTANCE CORP (CACC) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/CACC. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.