CACC FINANCIAL STATEMENTS

Credit Acceptance Corporation — balance sheet, income statement and cash flow trends

CACCCredit Acceptance Corporation

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue2.3 B $+5.3%

Gross Profit1.9 B $+36.4%

Operating Income842.5 M $+122.2%

EBITDA833.5 M $+104.9%

Net Income453.4 M $+56.4%

Peer Comparison· Credit Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CACC	—	—	—	19.6%
KTLEV	—	—	—	—
ZIP	—	—	—	8.9%
DSTKF	—	—	—	—
QNBFK	—	—	—	—
GSY	—	—	—	-15.8%
Industry median	—	—	—	10.0%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.5 B $17%
Current Liabilities415.3 M $5%
Long-term Liabilities6.8 B $78%

Key Figures

YoY change

Total Assets8.7 B $-6.1%

Total Liabilities7.2 B $-4.9%

Total Equity1.5 B $-11.5%

Cash & ST Investments25.7 M $-97.7%

Total Debt6.4 B $-4.4%

Net Debt6.4 B $+14.3%

Peer Comparison· Credit Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CACC	20.57	423.3%	7.66	17.4%
KTLEV	—	0.0%	—	—
ZIP	788.09	383.4%	11.13	16.7%
DSTKF	—	0.0%	—	—
QNBFK	—	0.0%	—	—
GSY	—	599.1%	5.42	13.8%
Industry median	1.20	116.1%	2.39	16.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CACC	20.57	423.3%	7.66	17.4%
OMF	—	663.2%	12.20	12.5%
SEZL	3.65	73.8%	0.13	43.3%
ENVA	0.23	347.0%	7.40	20.4%
FCFS	4.77	113.6%	2.39	42.9%
SLM	13.93	253.1%	0.42	8.3%
Industry median	1.20	116.1%	2.39	16.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow1.1 B $-10.1%

Capital Expenditures2.6 M $+44.4%

Free Cash Flow1.1 B $-10.2%

Dividends Paid——

Peer Comparison· Credit Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CACC	45.6%	45.5%	0.1%	232.7%
KTLEV	—	—	—	—
ZIP	-0.7%	-0.8%	0.1%	-8.1%
DSTKF	—	—	—	—
QNBFK	—	—	—	—
GSY	26.0%	-1.5%	1.5%	-165.1%
Industry median	21.2%	17.3%	1.5%	126.3%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CACC	45.6%	45.5%	0.1%	232.7%
OMF	50.7%	50.7%	0.0%	402.8%
SEZL	51.2%	50.7%	0.6%	166.2%
ENVA	58.0%	56.6%	1.4%	582.6%
FCFS	15.8%	14.2%	1.6%	172.9%
SLM	21.0%	21.0%	0.0%	86.3%
Industry median	21.2%	17.3%	1.5%	126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CACC	—	—	—	19.6%
OMF	—	—	—	12.6%
SEZL	—	—	—	30.8%
ENVA	—	—	—	10.0%
FCFS	—	—	—	9.1%
SLM	—	—	—	24.3%
Industry median	—	—	—	10.0%