Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $969M | $1.11B | $1.29B | $1.49B | $1.67B | $1.86B | $1.83B | $1.90B | $2.16B | $2.32B |
| Revenue growth | — | 14.5% | 15.8% | 15.8% | 12.1% | 11.2% | -1.3% | 3.8% | 13.7% | 7.2% |
| Net income | $333M | $470M | $574M | $656M | $421M | $958M | $536M | $286M | $248M | $424M |
| Net margin | 34.3% | 42.4% | 44.6% | 44.1% | 25.2% | 51.6% | 29.2% | 15.0% | 11.5% | 18.3% |
| EPS (diluted) | $16.31 | $24.04 | $29.39 | $34.57 | $23.47 | $59.52 | $39.32 | $21.99 | $19.88 | $36.38 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $507M | $566M | $704M | $812M | $985M | $1.07B | $1.24B | $1.20B | $1.14B | $1.05B |
| Capital expenditures | $5.50M | $8.40M | $25.1M | $26.8M | $8.50M | $7.60M | $3.10M | $4.00M | $1.80M | $1.60M |
| Free cash flow | $502M | $558M | $679M | $786M | $977M | $1.06B | $1.24B | $1.20B | $1.14B | $1.05B |
| Share buybacks | $122M | $124M | $129M | $300M | $481M | $1.47B | $785M | $203M | $313M | $725M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $14.6M | $8.20M | $25.7M | $187M | $16.0M | $23.3M | $7.70M | $13.2M | $344M | $22.8M |
| Total assets | $4.22B | $4.99B | $6.24B | $7.42B | $7.49B | $7.05B | $6.90B | $7.61B | $8.85B | $8.63B |
| Total liabilities | $3.04B | $3.45B | $4.25B | $5.07B | $5.19B | $5.23B | $5.28B | $5.86B | $7.11B | $7.11B |
| Shareholders' equity | $1.17B | $1.54B | $1.99B | $2.36B | $2.30B | $1.82B | $1.62B | $1.75B | $1.75B | $1.52B |
| Retained earnings | $1.04B | $1.39B | $1.84B | $2.20B | $2.14B | $1.63B | $1.38B | $1.48B | $1.41B | $1.12B |
| Shares (wtd avg diluted) | 20.4M | 19.6M | 19.5M | 19.0M | 17.9M | 16.1M | 13.6M | 13.0M | 12.5M | 11.7M |
Every figure is extracted from CREDIT ACCEPTANCE CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.