Credit Acceptance Corporation (CACC) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Total Current Assets | 8.62B | 577.5M | 8.49B | 0 | 0 | 0 | 8.53B | 8.11B | 0 | 0 | 0 | 7.04B | 0 | 0 | 0 | 0 | 0 | 6.88B | 7.05B | 0 |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | 1.23K | - | 1.27K | - | - | - | - | - | - | - | - | 1.28K | - | - | - | - | - | 1.3K | 1.29K | - |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 491.4M | -581.7M | -1.14B | -858.7M | 8.35B | 7.55B | -583.4M | -482.1M | -460.1M | 416M | -504.2M | -430.4M | -429.6M | -489.2M | -558.5M | 413.9M | 431.1M | -882.5M |
| Total Non-Current Assets | 13.2M | 9.02B | 148.1M | 0 | 0 | 0 | 150.3M | 140.9M | 0 | 0 | 0 | 162.3M | 0 | 0 | 0 | 0 | 0 | 168.2M | 147M | 0 |
| Property, Plant & Equipment | 13.2M | 12.6M | 12.9M | 13.2M | 13.7M | 14.7M | 15.2M | 16.1M | 44.6M | 46.5M | 47.1M | 49.4M | 50.1M | 51.4M | 52.4M | 53.7M | 56.7M | 57.3M | 58.3M | 57.7M |
| Fixed Asset Turnover | 44.96x | 45.48x | 44.17x | 42.80x | 39.60x | 37.30x | 34.73x | 17.51x | 11.01x | 10.37x | 9.80x | 9.50x | 8.85x | 8.77x | 8.63x | 8.26x | 7.99x | 8.00x | 8.10x | 8.16x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 8.01B | 8.08B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 8.69B | 9.6B | 8.64B | 8.72B | 9.26B | 9.74B | 8.68B | 8.26B | 8.1B | 8.39B | 7.4B | 7.21B | 7.15B | 7.63B | 6.89B | 6.98B | 7.04B | 7.05B | 7.2B | 7.8B |
| Asset Turnover | 0.06x | 0.06x | 0.07x | 0.06x | 0.06x | 0.06x | 0.06x | 0.06x | 0.06x | 0.06x | 0.06x | 0.07x | 0.06x | 0.06x | 0.07x | 0.07x | 0.06x | 0.06x | 0.06x | 0.06x |
| Asset Growth % | -6.09% | -1.46% | -0.49% | 5.68% | 14.34% | 16.05% | 17.39% | 14.57% | 13.17% | 9.96% | 7.32% | 3.25% | 1.66% | 8.26% | -4.26% | -10.55% | -8.68% | -5.85% | -3% | 6.32% |
| Total Current Liabilities | 0 | 2.18B | 394.8M | 456.4M | 610.5M | 520.3M | 364.6M | 344.4M | 542M | 473.9M | 631.5M | 263.3M | 1.45B | 1.77B | 554.4M | 1.26B | 1.51B | 175.2M | 251.5M | 635.7M |
| Accounts Payable | 0 | 0 | 382.9M | 0 | 0 | 0 | 364.4M | 344.2M | 0 | 0 | 0 | 263.1M | 0 | 0 | 0 | 0 | 0 | 175M | 251.3M | 0 |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 0 | 2.18B | 103.8M | 63.8M | 89.5M | 87.3M | 71.9M | 97.9M | 129.8M | 74.1M | 337.9M | 0 | 1.19B | 1.51B | 315.2M | 1.03B | 1.29B | 2.6M | 72.2M | 409.2M |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 0 | 0 | -103.8M | 392.6M | 521M | 433M | -71.9M | -97.9M | 412.2M | 399.8M | 293.6M | 0 | 259.6M | 263.3M | 239.2M | 225.8M | 224.7M | -2.6M | -72.2M | 226.5M |
| Current Ratio | - | 0.26x | 21.51x | - | - | - | 23.40x | 23.56x | - | - | - | 26.75x | - | - | - | - | - | 39.28x | 28.04x | - |
| Quick Ratio | - | 0.26x | 21.51x | - | - | - | 23.40x | 23.56x | - | - | - | 26.75x | - | - | - | - | - | 39.28x | 28.04x | - |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 7.18B | 5.89B | 6.67B | 0 | 0 | 0 | 6.67B | 6.36B | 0 | 0 | 0 | 5.2B | 0 | 0 | 0 | 0 | 0 | 5.05B | 4.99B | 0 |
| Long-Term Debt | 0 | 4.17B | 6.27B | 6.41B | 6.62B | 6.27B | 6.18B | 5.85B | 5.48B | 4.99B | 4.6B | 4.75B | 3.53B | 3.08B | 4.31B | 3.76B | 3.45B | 4.62B | 4.61B | 4.37B |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 7.18B | 8.07B | 7.06B | 7.17B | 7.55B | 7.99B | 7.04B | 6.7B | 6.44B | 6.64B | 5.7B | 5.46B | 5.43B | 6.01B | 5.3B | 5.46B | 5.41B | 5.23B | 5.25B | 5.41B |
| Total Debt | 0 | 6.35B | 6.37B | 6.47B | 6.71B | 6.35B | 6.25B | 5.95B | 5.61B | 5.07B | 4.94B | 4.75B | 4.72B | 4.59B | 4.63B | 4.79B | 4.74B | 4.62B | 4.68B | 4.78B |
| Net Debt | -551.4M | 5.85B | 6.35B | 5.91B | 5.58B | 5.51B | 6.09B | 5.43B | 5.04B | 4.6B | 4.5B | 4.74B | 4.23B | 4.17B | 4.23B | 4.36B | 4.24B | 4.6B | 4.67B | 3.92B |
| Debt / Equity | - | 4.17x | 4.03x | 4.16x | 3.92x | 3.63x | 3.80x | 3.82x | 3.40x | 2.89x | 2.90x | 2.72x | 2.74x | 2.83x | 2.91x | 3.15x | 2.91x | 2.53x | 2.39x | 2.00x |
| Debt / EBITDA | - | 20.28x | 42.55x | 55.59x | 47.55x | 33.33x | 58.57x | - | 64.35x | 42.69x | 50.52x | 163.68x | 36.77x | 25.83x | 36.77x | 32.60x | 16.30x | 15.89x | 13.82x | 12.39x |
| Net Debt / EBITDA | - | 18.68x | 42.44x | 50.75x | 39.61x | 28.90x | 57.07x | - | 57.84x | 38.72x | 46.04x | 163.57x | 32.96x | 23.48x | 33.63x | 29.67x | 14.58x | 15.81x | 13.78x | 10.16x |
| Interest Coverage | - | 2.38x | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Equity | 1.51B | 1.52B | 1.58B | 1.55B | 1.71B | 1.75B | 1.65B | 1.55B | 1.65B | 1.75B | 1.7B | 1.75B | 1.72B | 1.62B | 1.59B | 1.52B | 1.63B | 1.82B | 1.95B | 2.39B |
| Equity Growth % | -11.5% | -12.92% | -4.12% | -0.01% | 3.55% | -0.23% | -3.2% | -11% | -4.13% | 7.99% | 7.03% | 14.93% | 5.81% | -10.97% | -18.66% | -36.48% | -31.27% | -20.77% | -15.37% | 15.88% |
| Book Value per Share | 138.22 | 137.22 | 137.60 | 132.07 | 139.34 | 141.23 | 132.62 | 126.60 | 130.64 | 136.61 | 130.44 | 133.36 | 131.83 | 122.16 | 118.92 | 112.45 | 113.57 | 122.39 | 123.43 | 142.49 |
| Total Shareholders' Equity | 1.51B | 1.52B | 1.58B | 1.55B | 1.71B | 1.75B | 1.65B | 1.55B | 1.65B | 1.75B | 1.7B | 1.75B | 1.72B | 1.62B | 1.59B | 1.52B | 1.63B | 1.82B | 1.95B | 2.39B |
| Common Stock | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 100K | 200K |
| Retained Earnings | 1.08B | 1.12B | 1.19B | 1.18B | 1.36B | 1.41B | 1.32B | 1.24B | 1.35B | 1.48B | 1.43B | 1.49B | 1.47B | 1.38B | 1.36B | 1.3B | 1.42B | 1.63B | 1.79B | 2.24B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 300K | 1M | 1.1M | 1M | 600K | -300K | 900K | -1.2M | -1.2M | -1M | -2.9M | -2.7M | -2.1M | -2.9M | -3.4M | -2.2M | -1.5M | 200K | 700K | 900K |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |