Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. The company advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. It is also involved in the business of reinsuring co… Read more
Credit Acceptance Corporation (CACC) - Net Assets
Latest net assets as of December 2025: $1.52 Billion USD
Based on the latest financial reports, Credit Acceptance Corporation (CACC) has net assets worth $1.52 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($8.63 Billion) and total liabilities ($7.11 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.52 Billion |
| % of Total Assets | 17.65% |
| Annual Growth Rate | 11.48% |
| 5-Year Change | -16.48% |
| 10-Year Change | 29.81% |
| Growth Volatility | 69.1 |
Credit Acceptance Corporation - Net Assets Trend (1992–2025)
This chart illustrates how Credit Acceptance Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Credit Acceptance Corporation (1992–2025)
The table below shows the annual net assets of Credit Acceptance Corporation from 1992 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.52 Billion | -12.92% |
| 2024-12-31 | $1.75 Billion | -0.23% |
| 2023-12-31 | $1.75 Billion | +7.99% |
| 2022-12-31 | $1.62 Billion | -10.97% |
| 2021-12-31 | $1.82 Billion | -20.77% |
| 2020-12-31 | $2.30 Billion | -2.24% |
| 2019-12-31 | $2.36 Billion | +18.30% |
| 2018-12-31 | $1.99 Billion | +29.63% |
| 2017-12-31 | $1.54 Billion | +30.85% |
| 2016-12-31 | $1.17 Billion | +26.46% |
| 2015-12-31 | $928.10 Million | +32.17% |
| 2014-12-31 | $702.20 Million | -6.39% |
| 2013-12-31 | $750.10 Million | +20.61% |
| 2012-12-31 | $621.90 Million | +15.18% |
| 2011-12-31 | $539.95 Million | +13.80% |
| 2010-12-31 | $474.47 Million | -4.76% |
| 2009-12-31 | $498.21 Million | +47.51% |
| 2008-12-31 | $337.75 Million | +27.24% |
| 2007-12-31 | $265.45 Million | +26.20% |
| 2006-12-31 | $210.35 Million | -43.61% |
| 2005-12-31 | $373.03 Million | +23.97% |
| 2004-12-31 | $300.89 Million | -15.85% |
| 2003-12-31 | $357.56 Million | +10.41% |
| 2002-12-31 | $323.85 Million | +12.28% |
| 2001-12-31 | $288.44 Million | -43.58% |
| 2000-12-31 | $511.22 Million | +94.40% |
| 1999-12-31 | $262.98 Million | -4.81% |
| 1998-12-31 | $276.26 Million | +10.95% |
| 1997-12-31 | $248.99 Million | +1.16% |
| 1996-12-31 | $246.14 Million | -58.32% |
| 1995-12-31 | $590.60 Million | +70.60% |
| 1994-12-31 | $346.20 Million | +74.50% |
| 1993-12-31 | $198.40 Million | +370.14% |
| 1992-12-31 | $42.20 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Credit Acceptance Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 8925.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.12 Billion | 73.46% |
| Common Stock | $100.00K | 0.01% |
| Other Comprehensive Income | $1.00 Million | 0.07% |
| Other Components | $403.30 Million | 26.47% |
| Total Equity | $1.52 Billion | 100.00% |
Credit Acceptance Corporation Competitors by Market Cap
The table below lists competitors of Credit Acceptance Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Dhc Software Co Ltd
SHE:002065
|
$2.43 Billion |
|
T&S Communications Co Ltd
SHE:300570
|
$2.44 Billion |
|
FLSmidth & Co. A/S
OTCGREY:FLIDF
|
$2.44 Billion |
|
Loar Holdings Inc.
NYSE:LOAR
|
$2.44 Billion |
|
AMMB Holdings Berhad
OTCGREY:AMMHF
|
$2.43 Billion |
|
LG Innotek Co Ltd
KO:011070
|
$2.43 Billion |
|
Sapiens International Corporation NV
NASDAQ:SPNS
|
$2.43 Billion |
|
Henan Pinggao Electric Co Ltd
SHG:600312
|
$2.43 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Credit Acceptance Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,749,600,000 to 1,523,600,000, a change of -226,000,000 (-12.9%).
- Net income of 423,900,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 1,300,000.
- Other factors decreased equity by 651,200,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $423.90 Million | +27.82% |
| Other Comprehensive Income | $1.30 Million | +0.09% |
| Other Changes | $-651.20 Million | -42.74% |
| Total Change | $- | -12.92% |
Book Value vs Market Value Analysis
This analysis compares Credit Acceptance Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.29x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 377.48x to 3.29x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1992-12-31 | $1.18 | $444.55 | x |
| 1993-12-31 | $1.28 | $444.55 | x |
| 1994-12-31 | $1.80 | $444.55 | x |
| 1995-12-31 | $4.57 | $444.55 | x |
| 1996-12-31 | $5.28 | $444.55 | x |
| 1997-12-31 | $4.98 | $444.55 | x |
| 1998-12-31 | $5.86 | $444.55 | x |
| 1999-12-31 | $5.69 | $444.55 | x |
| 2000-12-31 | $5.93 | $444.55 | x |
| 2001-12-31 | $6.68 | $444.55 | x |
| 2002-12-31 | $7.47 | $444.55 | x |
| 2003-12-31 | $8.24 | $444.55 | x |
| 2004-12-31 | $7.34 | $444.55 | x |
| 2005-12-31 | $9.51 | $444.55 | x |
| 2006-12-31 | $5.96 | $444.55 | x |
| 2007-12-31 | $8.52 | $444.55 | x |
| 2008-12-31 | $10.86 | $444.55 | x |
| 2009-12-31 | $15.73 | $444.55 | x |
| 2010-12-31 | $15.82 | $444.55 | x |
| 2011-12-31 | $20.30 | $444.55 | x |
| 2012-12-31 | $24.29 | $444.55 | x |
| 2013-12-31 | $31.24 | $444.55 | x |
| 2014-12-31 | $31.44 | $444.55 | x |
| 2015-12-31 | $44.24 | $444.55 | x |
| 2016-12-31 | $57.51 | $444.55 | x |
| 2017-12-31 | $78.52 | $444.55 | x |
| 2018-12-31 | $101.93 | $444.55 | x |
| 2019-12-31 | $124.12 | $444.55 | x |
| 2020-12-31 | $128.37 | $444.55 | x |
| 2021-12-31 | $113.30 | $444.55 | x |
| 2022-12-31 | $119.19 | $444.55 | x |
| 2023-12-31 | $134.79 | $444.55 | x |
| 2024-12-31 | $140.32 | $444.55 | x |
| 2025-12-31 | $134.97 | $444.55 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Credit Acceptance Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 27.82%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.29%
- • Asset Turnover: 0.27x
- • Equity Multiplier: 5.67x
- Recent ROE (27.82%) is above the historical average (22.51%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1992 | 20.38% | 46.24% | 0.15x | 3.04x | $4.38 Million |
| 1993 | 22.67% | 41.33% | 0.15x | 3.71x | $6.93 Million |
| 1994 | 27.21% | 39.77% | 0.12x | 5.63x | $13.03 Million |
| 1995 | 14.87% | 38.79% | 0.11x | 3.45x | $9.70 Million |
| 1996 | 16.86% | 37.59% | 0.10x | 4.37x | $16.89 Million |
| 1997 | 0.60% | 1.10% | 0.12x | 4.48x | $-23.40 Million |
| 1998 | 9.05% | 21.40% | 0.16x | 2.72x | $-2.63 Million |
| 1999 | -4.81% | -10.92% | 0.18x | 2.51x | $-38.94 Million |
| 2000 | 9.02% | 19.13% | 0.18x | 2.56x | $-2.57 Million |
| 2001 | 8.55% | 16.53% | 0.17x | 2.99x | $-4.17 Million |
| 2002 | 9.17% | 19.24% | 0.18x | 2.60x | $-2.68 Million |
| 2003 | 7.88% | 19.33% | 0.15x | 2.64x | $-7.58 Million |
| 2004 | 19.05% | 32.44% | 0.30x | 1.97x | $27.24 Million |
| 2005 | 19.46% | 36.58% | 0.32x | 1.66x | $35.30 Million |
| 2006 | 27.88% | 27.35% | 0.30x | 3.45x | $37.61 Million |
| 2007 | 20.69% | 23.61% | 0.25x | 3.55x | $28.37 Million |
| 2008 | 19.89% | 21.86% | 0.27x | 3.37x | $33.40 Million |
| 2009 | 29.36% | 38.64% | 0.32x | 2.36x | $96.43 Million |
| 2010 | 35.85% | 38.62% | 0.33x | 2.83x | $122.65 Million |
| 2011 | 34.82% | 35.92% | 0.30x | 3.26x | $134.00 Million |
| 2012 | 35.33% | 36.11% | 0.29x | 3.43x | $157.51 Million |
| 2013 | 33.74% | 37.28% | 0.28x | 3.24x | $178.09 Million |
| 2014 | 37.91% | 36.87% | 0.26x | 3.97x | $195.98 Million |
| 2015 | 32.29% | 38.49% | 0.23x | 3.65x | $206.89 Million |
| 2016 | 28.35% | 36.28% | 0.22x | 3.59x | $215.43 Million |
| 2017 | 30.62% | 44.67% | 0.21x | 3.25x | $316.62 Million |
| 2018 | 28.83% | 46.92% | 0.20x | 3.13x | $374.91 Million |
| 2019 | 27.86% | 44.35% | 0.20x | 3.15x | $420.57 Million |
| 2020 | 18.28% | 25.28% | 0.22x | 3.25x | $190.75 Million |
| 2021 | 52.53% | 51.77% | 0.26x | 3.87x | $775.88 Million |
| 2022 | 32.99% | 29.39% | 0.26x | 4.25x | $373.40 Million |
| 2023 | 16.31% | 15.04% | 0.23x | 4.79x | $110.73 Million |
| 2024 | 14.17% | 11.62% | 0.22x | 5.57x | $72.94 Million |
| 2025 | 27.82% | 18.29% | 0.27x | 5.67x | $271.54 Million |
Industry Comparison
This section compares Credit Acceptance Corporation's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $42,800,882,637
- Average return on equity (ROE) among peers: -39.13%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Credit Acceptance Corporation (CACC) | $1.52 Billion | 20.38% | 4.67x | $2.43 Billion |
| Accord Financial Corp (ACCFF) | $39.20 Million | 16.04% | 1.73x | $8.00 Million |
| Acom Co. Ltd (ACJJF) | $328.31 Billion | 3.92% | 2.63x | $799.50 Million |
| Affirm Holdings Inc (AFRM) | $-367.10 Million | 0.00% | 0.00x | $13.32 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $592.96 Million | 7.89% | 20.29x | $1.53 Billion |
| Aiful Corp (AIFLF) | $81.64 Billion | 21.30% | 7.15x | $852.52 Million |
| Jianpu Technology Inc (AIJTY) | $520.74 Million | 20.38% | 0.93x | $16.37 Million |
| AIOS Tech Inc. (AIOS) | $203.05 Million | 8.66% | 0.56x | $2.50 Million |
| Ally Financial Inc (ALLY) | $17.05 Billion | 17.95% | 9.70x | $9.95 Billion |
| Alpha Investment Inc (ALPC) | $254.20K | -435.59% | 4.32x | $166.69 Million |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $14.82 Million |