Credit Acceptance (CACC) EBT (2010 - 2025)

Credit Acceptance (CACC) posted EBT of $157.0 million for Q4 2025, up 5.44% sequentially from $148.9 million in Q3 2025, and down 18.19% YoY from $191.9 million in Q4 2024.

Credit Acceptance (CACC) EBT (2010 - 2025) Analysis & Trends

Credit Acceptance (CACC) has 16 years of EBT data on file, last reported at $157.0 million in Q4 2025.

  • Quarterly EBT fell 18.19% year-over-year to $157.0 million in Q4 2025, while the trailing twelve-month figure through Dec 2025 was $565.4 million (up 71.59% YoY) and the FY2025 annual result came in at $565.4 million, up 71.59% from the prior year.
  • EBT advanced to $157.0 million in Q4 2025 per CACC's latest filing, from $148.9 million in the prior quarter.
  • The five-year high for EBT was $379.7 million in Q2 2021, with the low at -$55.3 million in Q2 2024.
  • Average EBT over 5 years is $161.8 million, with a median of $141.9 million recorded in 2022.
  • Year-over-year, EBT jumped 334.31% in 2021 and sank 298.21% in 2024.
  • Credit Acceptance's EBT stood at $284.7 million in 2021, then sank by 42.75% to $163.0 million in 2022, then slipped by 28.59% to $116.4 million in 2023, then surged by 64.86% to $191.9 million in 2024, then fell by 18.19% to $157.0 million in 2025.
  • Business Quant data shows CACC's EBT at $157.0 million in Q4 2025, $148.9 million in Q3 2025, and $117.8 million in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 7.17 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 4.81 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 3.78 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 1.39 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 107.38 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 199.55 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 400.00 Mn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 157.00 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 71.99 Mn
10 Sezzle 5.91 Bn 5.79 Bn - 65.99 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 157.00 Mn
Sep 30, 2025 148.90 Mn
Jun 30, 2025 117.80 Mn
Mar 31, 2025 141.70 Mn
Dec 31, 2024 191.90 Mn
Sep 30, 2024 106.50 Mn
Jun 30, 2024 -55.30 Mn
Mar 31, 2024 86.40 Mn
Dec 31, 2023 116.40 Mn
Sep 30, 2023 96.50 Mn
Jun 30, 2023 27.90 Mn
Mar 31, 2023 126.80 Mn
Dec 31, 2022 163.00 Mn
Sep 30, 2022 122.10 Mn
Jun 30, 2022 142.10 Mn
Mar 31, 2022 284.50 Mn
Dec 31, 2021 284.70 Mn
Sep 30, 2021 332.20 Mn
Jun 30, 2021 379.70 Mn
Mar 31, 2021 264.30 Mn