Credit Operating Income from 2010 to 2025

CACC Stock

USD 514.57 2.55 0.50%

Credit Acceptance's Operating Income is increasing over the years with slightly volatile fluctuation. Overall, Operating Income is expected to go to about 871.8 M this year. Operating Income is earnings before interest and taxes (EBIT), representing the amount of profit Credit Acceptance generates from its operations. View All Fundamentals

Operating Income

First Reported

1992-03-31

Previous Quarter

99.8 M

Current Value

444.3 M

Quarterly Volatility

101.5 M

Dot-com Bubble

Housing Crash

Credit Downgrade

Yuan Drop

Covid

Check Credit Acceptance financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Credit Acceptance's main balance sheet or income statement drivers, such as Depreciation And Amortization of 26.4 M, Interest Expense of 319.4 M or Selling General Administrative of 102.8 M, as well as many indicators such as Price To Sales Ratio of 2.54, Dividend Yield of 0.0 or PTB Ratio of 3.93. Credit financial statements analysis is a perfect complement when working with Credit Acceptance Valuation or Volatility modules.

Check out the analysis of Credit Acceptance Correlation against competitors.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

Latest Credit Acceptance's Operating Income Growth Pattern

Below is the plot of the Operating Income of Credit Acceptance over the last few years. Operating Income is the amount of profit realized from Credit Acceptance operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Credit Acceptance is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. It is earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations. Credit Acceptance's Operating Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Credit Acceptance's overall financial position and show how it may be relating to other accounts over time.

Operating Income

10 Years Trend

Slightly volatile

Compare to Others All Fundamentals

Operating Income

Timeline

Credit Operating Income Regression Statistics

	Arithmetic Mean	575,727,062
	Geometric Mean	458,229,813
	Coefficient Of Variation	50.10
	Mean Deviation	221,090,695
	Median	540,500,000
	Standard Deviation	288,426,274
	Sample Variance	83189.7T
	Range	1.2B
	R-Value	0.72
	Mean Square Error	43234.4T
	R-Squared	0.51
	Significance	0
	Slope	43,472,928
	Total Sum of Squares	1247845.7T

Credit Operating Income History

	2025	871.8 M
	2024	830.3 M
	2023	367.6 M
	2022	686.1 M
	2021	1.2 B
	2020	540.5 M
	2019	837.1 M

Other Fundumenentals of Credit Acceptance

Non Operating Income Net Other

Credit Acceptance Operating Income component correlations

	Total Assets	Total Stockholder Equity	Retained Earnings	Short Term Investments	Total Liab	Total Current Assets	Net Debt	Accounts Payable	Net Receivables	Short Term Debt	Common Stock	Long Term Debt	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Long Term Investments	Short Long Term Debt	Net Invested Capital	Net Working Capital	Current Deferred Revenue	Capital Stock
Total Assets		0.92	0.74	0.67	0.99	0.79	0.3	0.92	0.79	0.13	-0.78	0.99	0.52	0.87	0.92	0.94	0.7	0.92	-0.84	0.91	0.88	0.7	-0.68
Total Stockholder Equity	0.92		0.93	0.54	0.86	0.76	0.55	0.73	0.77	0.08	-0.64	0.86	0.5	0.97	0.91	0.75	0.48	0.93	-0.82	0.79	0.72	0.57	-0.4
Retained Earnings	0.74	0.93		0.33	0.66	0.61	0.72	0.5	0.62	0.08	-0.49	0.66	0.5	0.95	0.86	0.52	0.29	0.89	-0.71	0.63	0.57	0.44	-0.21
Short Term Investments	0.67	0.54	0.33		0.69	0.88	-0.21	0.59	0.87	0.16	-0.61	0.71	0.2	0.49	0.54	0.66	0.52	0.51	-0.45	0.6	0.56	0.46	-0.42
Total Liab	0.99	0.86	0.66	0.69		0.77	0.21	0.95	0.76	0.14	-0.8	1.0	0.5	0.81	0.89	0.97	0.74	0.89	-0.81	0.92	0.9	0.71	-0.75
Total Current Assets	0.79	0.76	0.61	0.88	0.77		0.05	0.6	1.0	0.17	-0.58	0.78	0.36	0.74	0.7	0.69	0.49	0.71	-0.64	0.7	0.63	0.54	-0.39
Net Debt	0.3	0.55	0.72	-0.21	0.21	0.05		0.13	0.08	0.28	-0.25	0.21	0.28	0.56	0.52	0.15	0.05	0.52	-0.39	0.14	0.18	0.33	-0.05
Accounts Payable	0.92	0.73	0.5	0.59	0.95	0.6	0.13		0.58	0.2	-0.81	0.94	0.41	0.65	0.79	0.96	0.73	0.78	-0.73	0.86	0.85	0.72	-0.79
Net Receivables	0.79	0.77	0.62	0.87	0.76	1.0	0.08	0.58		0.18	-0.57	0.77	0.36	0.75	0.7	0.68	0.48	0.72	-0.64	0.69	0.62	0.54	-0.38
Short Term Debt	0.13	0.08	0.08	0.16	0.14	0.17	0.28	0.2	0.18		-0.24	0.14	0.03	0.07	0.22	0.27	0.07	0.19	-0.01	0.01	0.11	0.59	-0.27
Common Stock	-0.78	-0.64	-0.49	-0.61	-0.8	-0.58	-0.25	-0.81	-0.57	-0.24		-0.78	-0.06	-0.5	-0.71	-0.78	-0.62	-0.64	0.55	-0.61	-0.65	-0.59	0.7
Long Term Debt	0.99	0.86	0.66	0.71	1.0	0.78	0.21	0.94	0.77	0.14	-0.78		0.53	0.81	0.9	0.97	0.74	0.89	-0.81	0.91	0.89	0.71	-0.74
Property Plant Equipment	0.52	0.5	0.5	0.2	0.5	0.36	0.28	0.41	0.36	0.03	-0.06	0.53		0.64	0.63	0.48	0.59	0.67	-0.65	0.74	0.73	0.61	-0.5
Net Tangible Assets	0.87	0.97	0.95	0.49	0.81	0.74	0.56	0.65	0.75	0.07	-0.5	0.81	0.64		0.92	0.7	0.45	0.95	-0.83	0.79	0.72	0.56	-0.37
Long Term Debt Total	0.92	0.91	0.86	0.54	0.89	0.7	0.52	0.79	0.7	0.22	-0.71	0.9	0.63	0.92		0.85	0.61	0.99	-0.82	0.85	0.84	0.71	-0.64
Capital Surpluse	0.94	0.75	0.52	0.66	0.97	0.69	0.15	0.96	0.68	0.27	-0.78	0.97	0.48	0.7	0.85		0.73	0.83	-0.77	0.86	0.87	0.76	-0.84
Deferred Long Term Liab	0.7	0.48	0.29	0.52	0.74	0.49	0.05	0.73	0.48	0.07	-0.62	0.74	0.59	0.45	0.61	0.73		0.59	-0.58	0.81	0.87	0.78	-0.79
Long Term Investments	0.92	0.93	0.89	0.51	0.89	0.71	0.52	0.78	0.72	0.19	-0.64	0.89	0.67	0.95	0.99	0.83	0.59		-0.84	0.86	0.84	0.69	-0.59
Short Long Term Debt	-0.84	-0.82	-0.71	-0.45	-0.81	-0.64	-0.39	-0.73	-0.64	-0.01	0.55	-0.81	-0.65	-0.83	-0.82	-0.77	-0.58	-0.84		-0.8	-0.78	-0.67	0.6
Net Invested Capital	0.91	0.79	0.63	0.6	0.92	0.7	0.14	0.86	0.69	0.01	-0.61	0.91	0.74	0.79	0.85	0.86	0.81	0.86	-0.8		0.96	0.71	-0.72
Net Working Capital	0.88	0.72	0.57	0.56	0.9	0.63	0.18	0.85	0.62	0.11	-0.65	0.89	0.73	0.72	0.84	0.87	0.87	0.84	-0.78	0.96		0.78	-0.82
Current Deferred Revenue	0.7	0.57	0.44	0.46	0.71	0.54	0.33	0.72	0.54	0.59	-0.59	0.71	0.61	0.56	0.71	0.76	0.78	0.69	-0.67	0.71	0.78		-0.76
Capital Stock	-0.68	-0.4	-0.21	-0.42	-0.75	-0.39	-0.05	-0.79	-0.38	-0.27	0.7	-0.74	-0.5	-0.37	-0.64	-0.84	-0.79	-0.59	0.6	-0.72	-0.82	-0.76

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About Credit Acceptance Financial Statements

Credit Acceptance stakeholders use historical fundamental indicators, such as Credit Acceptance's Operating Income, to determine how well the company is positioned to perform in the future. Although Credit Acceptance investors may analyze each financial statement separately, they are all interrelated. For example, changes in Credit Acceptance's assets and liabilities are reflected in the revenues and expenses on Credit Acceptance's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Credit Acceptance. Please read more on our technical analysis and fundamental analysis pages.

	Last Reported	Projected for Next Year
Operating Income	830.3 M	871.8 M
Non Operating Income Net Other	-8.5 M	-8.9 M

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When determining whether Credit Acceptance offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Credit Acceptance's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Credit Acceptance Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Credit Acceptance Stock:

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Check out the analysis of Credit Acceptance Correlation against competitors.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.

Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Credit Acceptance. If investors know Credit will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Credit Acceptance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.682

Earnings Share

19.86

Revenue Per Share

75.321

Quarterly Revenue Growth

0.33

Return On Assets

0.0301

The market value of Credit Acceptance is measured differently than its book value, which is the value of Credit that is recorded on the company's balance sheet. Investors also form their own opinion of Credit Acceptance's value that differs from its market value or its book value, called intrinsic value, which is Credit Acceptance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Credit Acceptance's market value can be influenced by many factors that don't directly affect Credit Acceptance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Credit Acceptance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Credit Acceptance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Credit Acceptance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Credit Operating Income from 2010 to 2025

Latest Credit Acceptance's Operating Income Growth Pattern

Credit Operating Income Regression Statistics

Credit Operating Income History

Other Fundumenentals of Credit Acceptance

Credit Acceptance Operating Income component correlations

About Credit Acceptance Financial Statements

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