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Credit Acceptance CACC Ancillary Product Profit Sharing Income — Other Income

Other product segments

Ancillary Product Profit Sharing
$9.1M+4.6%
Interest
$4.8M-42.9%
Remarketing Fees
$4.1M+20.6%
Other
$400K0.0%

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Other financials

Income statement

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Revenue$580.0M+1.6%
Net income$135.8M+27.8%
EPS (diluted)$12.40+43.2%

Balance sheet

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Cash & equivalents$551.4M-50.8%
Total equity$1.5B-11.5%
Total assets$8.7B-6.1%

Cash flow

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Operating cash flow$346.8M+0.2%
CapEx$1.3M+333%
Free cash flow$345.5M-0.1%

Valuation

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Market cap$6.03B+15.5%
P/E13.3×+1.0×
P/S2.6×+0.3×

Profitability

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Net margin19.5%+6.5pp
FCF margin45.3%-7.4pp

Returns & leverage

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Return on equity28.1%+10.9pp
Debt / equity

Where this comes from

Reported directly by Credit Acceptance in its filing.

Tagged under the XBRL concept us-gaap:OtherIncome.

The source filing: Credit Acceptance’s 10-K, filed February 13, 2026.

Filed
Feb 13, 2026, 4:57 PM EST
Fiscal year
FY2025
Accession
0000885550-26-000047
(Dollars in millions, except per share data)For the Years Ended December 31, 2025For the Years Ended December 31, 2024For the Years Ended December 31, 2023
Revenue:
Finance charges$2,141.8$1,992.7$1,755.4
Premiums earned95.696.179.6
Other income79.873.666.9
Total revenue2,317.22,162.41,901.9
Costs and expenses:
Salaries and wages337.1309.2280.2
General and administrative161.497.987.2

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Credit Acceptance's ancillary product profit sharing income — other income?
Credit Acceptance (CACC) reported ancillary product profit sharing income — other income of $9.45M in Q4 2025.
How has Credit Acceptance's ancillary product profit sharing income — other income changed year-over-year?
Credit Acceptance's ancillary product profit sharing income — other income increased by 13.2% year-over-year, from $8.35M to $9.45M.
What is the long-term trend for Credit Acceptance's ancillary product profit sharing income — other income?
Over 4 years (2021 to 2025), Credit Acceptance's ancillary product profit sharing income — other income has grown at a -1.5% compound annual growth rate (CAGR), from $40.2M to $37.8M.
What does ancillary product profit sharing income — other income mean?
This metric represents the portion of earnings derived from profit-sharing arrangements related to ancillary products, such as vehicle service contracts or credit insurance, sold alongside consumer loans. It reflects the company's ability to generate non-interest income by participating in the underwriting results of third-party insurance or service providers. This revenue stream serves as a key indicator of the company's diversification strategy and the effectiveness of its partnerships with automobile dealers.

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