Credit Historical Income Statement

CACC Stock

USD 494.24 11.04 2.28%

Historical analysis of Credit Acceptance income statement accounts such as Interest Expense of 277.7 M, Selling General Administrative of 44 M or Selling And Marketing Expenses of 96.3 M can show how well Credit Acceptance performed in making a profits. Evaluating Credit Acceptance income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Credit Acceptance's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Credit Acceptance latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Credit Acceptance is a good buy for the upcoming year.

Net Income Gross Profit

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

About Credit Income Statement Analysis

Credit Acceptance Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Credit Acceptance shareholders. The income statement also shows Credit investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Credit Acceptance Income Statement Chart

At present, Credit Acceptance's Selling And Marketing Expenses is projected to increase significantly based on the last few years of reporting. The current year's Total Revenue is expected to grow to about 2 B, whereas Depreciation And Amortization is forecasted to decline to about 25.3 M.

Selling General Administrative Selling And Marketing Expenses Gross Profit

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Credit Acceptance minus its cost of goods sold. It is profit before Credit Acceptance operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Most accounts from Credit Acceptance's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Credit Acceptance current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Credit Acceptance. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.

For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.At present, Credit Acceptance's Selling And Marketing Expenses is projected to increase significantly based on the last few years of reporting. The current year's Total Revenue is expected to grow to about 2 B, whereas Depreciation And Amortization is forecasted to decline to about 25.3 M.

	2021	2022	2023	2024 (projected)
Gross Profit	1.4B	709.4M	1.9B	2.0B
Total Revenue	1.8B	1.2B	1.9B	2.0B

Gross Profit Total Revenue

Credit Acceptance income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Selling And Marketing Expenses	Total Revenue	Gross Profit	Operating Income	Ebit	Ebitda	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Other Operating Expenses	Total Operating Expenses	Cost Of Revenue	Extraordinary Items	Net Income From Continuing Ops	Non Recurring	Non Operating Income Net Other	Tax Provision	Interest Income	Net Interest Income	Reconciled Depreciation
Depreciation And Amortization		-0.19	-0.17	-0.21	-0.21	-0.2	-0.14	-0.09	0.99	-0.13	0.03	-0.15	-0.06	-0.16	-0.12	-0.2	-0.11	-0.21	-0.29	-0.34	0.02	-0.04	-0.04	-0.17
Interest Expense	-0.19		0.52	0.83	0.9	0.94	0.27	0.21	-0.16	0.27	-0.15	0.32	0.09	0.78	0.52	0.83	-0.28	0.44	0.64	0.49	-0.24	-0.12	0.34	0.67
Selling General Administrative	-0.17	0.52		0.77	0.8	0.66	0.77	0.1	-0.16	0.77	-0.43	0.8	0.59	0.6	0.62	0.77	-0.47	0.77	0.87	0.58	0.17	-0.34	0.48	0.82
Selling And Marketing Expenses	-0.21	0.83	0.77		0.95	0.9	0.46	0.05	-0.21	0.46	-0.27	0.5	0.29	0.89	0.75	0.97	-0.47	0.58	0.81	0.66	-0.21	-0.24	0.47	0.81
Total Revenue	-0.21	0.9	0.8	0.95		0.96	0.53	0.1	-0.19	0.53	-0.38	0.57	0.35	0.85	0.7	0.95	-0.42	0.67	0.79	0.58	-0.06	-0.33	0.54	0.87
Gross Profit	-0.2	0.94	0.66	0.9	0.96		0.31	0.08	-0.19	0.32	-0.35	0.36	0.14	0.9	0.65	0.93	-0.28	0.5	0.68	0.46	-0.19	-0.38	0.59	0.82
Operating Income	-0.14	0.27	0.77	0.46	0.53	0.31		0.5	-0.08	1.0	-0.12	0.99	0.91	0.08	0.13	0.39	-0.54	0.92	0.62	0.57	0.62	0.07	0.0	0.46
Ebit	-0.09	0.21	0.1	0.05	0.1	0.08	0.5		0.02	0.48	0.54	0.45	0.53	-0.3	-0.6	-0.04	-0.29	0.41	0.11	0.29	0.45	0.59	-0.54	-0.16
Ebitda	0.99	-0.16	-0.16	-0.21	-0.19	-0.19	-0.08	0.02		-0.08	0.09	-0.1	-0.01	-0.19	-0.18	-0.21	-0.14	-0.17	-0.28	-0.31	0.07	0.03	-0.1	-0.19
Income Before Tax	-0.13	0.27	0.77	0.46	0.53	0.32	1.0	0.48	-0.08		-0.13	0.99	0.91	0.09	0.14	0.4	-0.53	0.92	0.63	0.57	0.62	0.06	0.01	0.48
Total Other Income Expense Net	0.03	-0.15	-0.43	-0.27	-0.38	-0.35	-0.12	0.54	0.09	-0.13		-0.16	-0.01	-0.47	-0.6	-0.42	-0.16	-0.26	-0.2	0.2	-0.1	0.74	-0.73	-0.69
Net Income	-0.15	0.32	0.8	0.5	0.57	0.36	0.99	0.45	-0.1	0.99	-0.16		0.85	0.14	0.19	0.45	-0.48	0.95	0.69	0.59	0.57	0.05	0.03	0.53
Income Tax Expense	-0.06	0.09	0.59	0.29	0.35	0.14	0.91	0.53	-0.01	0.91	-0.01	0.85		-0.08	-0.05	0.2	-0.64	0.73	0.35	0.45	0.73	0.07	-0.06	0.25
Other Operating Expenses	-0.16	0.78	0.6	0.89	0.85	0.9	0.08	-0.3	-0.19	0.09	-0.47	0.14	-0.08		0.87	0.94	-0.2	0.28	0.63	0.38	-0.43	-0.51	0.71	0.83
Total Operating Expenses	-0.12	0.52	0.62	0.75	0.7	0.65	0.13	-0.6	-0.18	0.14	-0.6	0.19	-0.05	0.87		0.79	-0.2	0.26	0.64	0.36	-0.4	-0.58	0.72	0.78
Cost Of Revenue	-0.2	0.83	0.77	0.97	0.95	0.93	0.39	-0.04	-0.21	0.4	-0.42	0.45	0.2	0.94	0.79		-0.33	0.57	0.78	0.54	-0.18	-0.36	0.58	0.91
Extraordinary Items	-0.11	-0.28	-0.47	-0.47	-0.42	-0.28	-0.54	-0.29	-0.14	-0.53	-0.16	-0.48	-0.64	-0.2	-0.2	-0.33		-0.29	-0.3	-0.35	-0.06	-0.04	-0.01	-0.15
Net Income From Continuing Ops	-0.21	0.44	0.77	0.58	0.67	0.5	0.92	0.41	-0.17	0.92	-0.26	0.95	0.73	0.28	0.26	0.57	-0.29		0.7	0.59	0.55	-0.03	0.15	0.65
Non Recurring	-0.29	0.64	0.87	0.81	0.79	0.68	0.62	0.11	-0.28	0.63	-0.2	0.69	0.35	0.63	0.64	0.78	-0.3	0.7		0.79	-0.09	-0.06	0.28	0.73
Non Operating Income Net Other	-0.34	0.49	0.58	0.66	0.58	0.46	0.57	0.29	-0.31	0.57	0.2	0.59	0.45	0.38	0.36	0.54	-0.35	0.59	0.79		0.0	0.21	-0.03	0.37
Tax Provision	0.02	-0.24	0.17	-0.21	-0.06	-0.19	0.62	0.45	0.07	0.62	-0.1	0.57	0.73	-0.43	-0.4	-0.18	-0.06	0.55	-0.09	0.0		0.04	-0.13	0.05
Interest Income	-0.04	-0.12	-0.34	-0.24	-0.33	-0.38	0.07	0.59	0.03	0.06	0.74	0.05	0.07	-0.51	-0.58	-0.36	-0.04	-0.03	-0.06	0.21	0.04		-0.96	-0.52
Net Interest Income	-0.04	0.34	0.48	0.47	0.54	0.59	0.0	-0.54	-0.1	0.01	-0.73	0.03	-0.06	0.71	0.72	0.58	-0.01	0.15	0.28	-0.03	-0.13	-0.96		0.69
Reconciled Depreciation	-0.17	0.67	0.82	0.81	0.87	0.82	0.46	-0.16	-0.19	0.48	-0.69	0.53	0.25	0.83	0.78	0.91	-0.15	0.65	0.73	0.37	0.05	-0.52	0.69

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Credit Acceptance Account Relationship Matchups

Credit Acceptance income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	22.4M	920.4M	403.6M	953.1M	26.6M	25.3M
Interest Expense	196.2M	192M	164.3M	25.6M	264.5M	277.7M
Selling General Administrative	65.1M	69.6M	100.3M	88.7M	87.2M	44.0M
Selling And Marketing Expenses	70.2M	69.5M	65.3M	75.6M	91.7M	96.3M
Total Revenue	1.4B	1.6B	1.8B	1.2B	1.9B	2.0B
Gross Profit	1.0B	1.2B	1.4B	709.4M	1.9B	2.0B
Operating Income	837.1M	540.5M	1.2B	686.1M	367.6M	303.8M
Ebit	837.1M	(356.1M)	857.3M	(241.4M)	367.6M	231.1M
Ebitda	859.5M	564.3M	1.3B	711.7M	367.6M	349.2M
Income Before Tax	855.9M	549.5M	1.3B	711.7M	367.6M	304.5M
Total Other Income Expense Net	18.8M	(45.3M)	(38.8M)	(46.4M)	(12.8M)	(12.2M)
Net Income	656.1M	421M	958.3M	535.8M	286.1M	216.8M
Income Tax Expense	199.8M	128.5M	302.6M	175.9M	81.5M	87.6M
Other Operating Expenses	562.7M	1.1B	542M	1.0B	1.5B	1.6B
Total Operating Expenses	173.2M	684.3M	159.7M	608.7M	459.1M	482.1M
Cost Of Revenue	419.6M	416.4M	421.1M	475M	583M	612.2M
Net Income Applicable To Common Shares	656.1M	421M	958.3M	535.8M	616.2M	647.0M
Net Income From Continuing Ops	656.1M	421M	958.3M	535.8M	319.8M	464.9M
Tax Provision	199.8M	128.5M	302.6M	175.9M	94.4M	139.5M
Interest Income	196.2M	2.9M	1.2M	6.6M	18M	17.1M
Net Interest Income	(196.2M)	2.9M	1.2M	6.6M	18M	18.9M
Reconciled Depreciation	22.4M	23.8M	26.3M	25.6M	26.2M	25.2M

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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:

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Is Credit Stock a good investment?

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What is Credit Acceptance's Net Worth?

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For information on how to trade Credit Stock refer to our How to Trade Credit Stock guide.

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Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Credit Acceptance. If investors know Credit will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Credit Acceptance listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.169

Earnings Share

14.93

Revenue Per Share

67.945

Quarterly Revenue Growth

0.138

Return On Assets

0.0236

The market value of Credit Acceptance is measured differently than its book value, which is the value of Credit that is recorded on the company's balance sheet. Investors also form their own opinion of Credit Acceptance's value that differs from its market value or its book value, called intrinsic value, which is Credit Acceptance's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Credit Acceptance's market value can be influenced by many factors that don't directly affect Credit Acceptance's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Credit Acceptance's value and its price as these two are different measures arrived at by different means. Investors typically determine if Credit Acceptance is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Credit Acceptance's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Credit Historical Income Statement

About Credit Income Statement Analysis

Credit Acceptance Income Statement Chart

Gross Profit

Credit Acceptance income statement Correlations

Credit Acceptance Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Credit Acceptance income statement Accounts

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Income Before Tax	+ 1.0	Operating Income
Ebitda	+ 0.99	Depreciation And Amortization
Net Income	+ 0.99	Operating Income
Net Income	+ 0.99	Income Before Tax
Cost Of Revenue	+ 0.97	Selling And Marketing Expenses
Gross Profit	+ 0.96	Total Revenue

Net Interest Income	- 0.96	Interest Income
Net Interest Income	- 0.73	Total Other Income Expense Net
Reconciled Depreciation	- 0.69	Total Other Income Expense Net
Extraordinary Items	- 0.64	Income Tax Expense
Total Operating Expenses	- 0.6	Total Other Income Expense Net
Total Operating Expenses	- 0.6	Ebit