Credit Operating Income from 2010 to 2026

CACC Stock  USD 483.98  1.16  0.24%   
Credit Acceptance's Operating Income is increasing over the years with slightly volatile fluctuation. Overall, Operating Income is expected to go to about 1.2 B this year. Operating Income is earnings before interest and taxes (EBIT), representing the amount of profit Credit Acceptance generates from its operations. View All Fundamentals
 
Operating Income  
First Reported
1992-03-31
Previous Quarter
142.9 M
Current Value
306.6 M
Quarterly Volatility
85.3 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Check Credit Acceptance financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Credit Acceptance's main balance sheet or income statement drivers, such as Depreciation And Amortization of 30.4 M, Interest Expense of 559 M or Selling General Administrative of 189.2 M, as well as many indicators such as Price To Sales Ratio of 2.01, Dividend Yield of 0.0 or PTB Ratio of 3.92. Credit financial statements analysis is a perfect complement when working with Credit Acceptance Valuation or Volatility modules.
  
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Check out the analysis of Credit Acceptance Correlation against competitors.
For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.
Analyzing Credit Acceptance's Operating Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Operating Income has evolved provides context for assessing Credit Acceptance's current valuation and future prospects.

Latest Credit Acceptance's Operating Income Growth Pattern

Below is the plot of the Operating Income of Credit Acceptance over the last few years. Operating Income is the amount of profit realized from Credit Acceptance operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of Credit Acceptance is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. It is earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations. Credit Acceptance's Operating Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Credit Acceptance's overall financial position and show how it may be relating to other accounts over time.
Operating Income10 Years Trend
Slightly volatile
   Operating Income   
       Timeline  

Credit Operating Income Regression Statistics

Arithmetic Mean595,934,412
Geometric Mean451,369,936
Coefficient Of Variation56.59
Mean Deviation264,503,356
Median531,200,000
Standard Deviation337,219,551
Sample Variance113717T
Range1.2B
R-Value0.67
Mean Square Error66718.7T
R-Squared0.45
Significance0
Slope44,795,049
Total Sum of Squares1819472.4T

Credit Operating Income History

20261.2 B
20251.1 B
2024325.1 M
2023367.6 M
2022702.3 M
20211.3 B
2020540.5 M

Other Fundumenentals of Credit Acceptance

Credit Acceptance Operating Income component correlations

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-0.040.410.47-0.190.2-0.02-0.320.88-0.17-0.09-0.08-0.050.30.19-0.14-0.170.18-0.03-0.21-0.210.10.31
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0.990.730.66-0.020.980.820.910.120.52-0.810.990.530.830.910.960.740.91-0.830.920.90.72-0.75
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-0.84-0.74-0.7-0.03-0.79-0.66-0.83-0.7-0.23-0.230.57-0.82-0.66-0.83-0.83-0.78-0.6-0.85-0.8-0.78-0.680.62
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0.70.490.430.10.690.560.720.670.190.47-0.60.710.620.560.720.770.780.7-0.680.710.77-0.76
-0.73-0.29-0.180.31-0.8-0.46-0.75-0.810.27-0.510.72-0.77-0.51-0.38-0.66-0.86-0.81-0.620.62-0.76-0.84-0.76
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About Credit Acceptance Financial Statements

Credit Acceptance stakeholders use historical fundamental indicators, such as Credit Acceptance's Operating Income, to determine how well the company is positioned to perform in the future. Although Credit Acceptance investors may analyze each financial statement separately, they are all interrelated. For example, changes in Credit Acceptance's assets and liabilities are reflected in the revenues and expenses on Credit Acceptance's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Credit Acceptance. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Operating Income1.1 B1.2 B
Non Operating Income Net Other-8.5 M-8.9 M

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When determining whether Credit Acceptance offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Credit Acceptance's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Credit Acceptance Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Credit Acceptance Stock:
Check out the analysis of Credit Acceptance Correlation against competitors.
For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.
You can also try the Premium Stories module to follow Macroaxis premium stories from verified contributors across different equity types, categories and coverage scope.
Will Consumer Finance sector continue expanding? Could Credit diversify its offerings? Factors like these will boost the valuation of Credit Acceptance. Projected growth potential of Credit fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Credit Acceptance data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
(0.10)
Earnings Share
36.49
Revenue Per Share
108.125
Quarterly Revenue Growth
0.016
Return On Assets
0.0485
Understanding Credit Acceptance requires distinguishing between market price and book value, where the latter reflects Credit's accounting equity. The concept of intrinsic value - what Credit Acceptance's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push Credit Acceptance's price substantially above or below its fundamental value.
It's important to distinguish between Credit Acceptance's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Credit Acceptance should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Credit Acceptance's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.