CACCCREDIT ACCEPTANCE CORP
Personal Credit Institutions
- Revenue
- $2.3B
- 7.2% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $1.8B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear2487851× net incomeCash flow under 80% of net income
- Dilutive SBCClear2% of revenueOver 10% of revenue
- Payouts exceed cash flowClear69% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear—Over 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $1.9B | $1.8B | $1.9B | $2.2B | $2.3B | 7.2% |
| Net income | $958 | $536 | $286 | $248 | $424 | 71% |
| Operating cash flow | $1.1B | $1.2B | $1.2B | $1.1B | $1.1B | 7.3% |
| Capex | $8M | $3M | $4M | $2M | $2M | 11% |
| Stock-based comp | $25M | $37M | $39M | $45M | $51M | 13% |
| Buybacks | $1.5B | $785M | $203M | $313M | $725M | 132% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | — | — | 128 | 198 |
| FY2024 | — | — | 106 | 199 |
| FY2023 | — | — | 120 | 152 |
| FY2022 | — | — | 107 | 126 |
| FY2021 | — | — | 155 | 148 |