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| Date | Value |
|---|---|
| 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 |