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Credit Acceptance CACC Retained Earnings

Retained Earnings at other companies

Ally FinancialALLY

$827M+1,160%

CarvanaCVNA

$241M+120%

Enova InternationalENVA

$2.1B+18.4%

Penske Automotive GroupPAG

$5.87B+3.0%

Affirm Holdings, Inc.AFRM

-$2.74B+12.2%

Capital One FinancialCOF

$66.79B+1.8%

Other financials

Income statement

Revenue$580.0M+1.6%

Net income$135.8M+27.8%

EPS (diluted)$12.40+43.2%

Balance sheet

Cash & equivalents$551.4M-50.8%

Total equity$1.5B-11.5%

Total assets$8.7B-6.1%

Cash flow

Operating cash flow$346.8M+0.2%

CapEx$1.3M+333%

Free cash flow$345.5M-0.1%

Valuation

Market cap$6.06B-26.7%

Profitability

Net margin19.5%+6.5pp

FCF margin45.3%-7.4pp

Returns & leverage

Return on equity28.1%+10.9pp

Debt / equity0×—

Where this comes from

Reported directly by Credit Acceptance in its filing.

Tagged under the XBRL concept us-gaap:RetainedEarningsAccumulatedDeficit.

The official record: Credit Acceptance’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Credit Acceptance's retained earnings?: Credit Acceptance (CACC) reported retained earnings of $1.08B in Q1 2026.
How has Credit Acceptance's retained earnings changed year-over-year?: Credit Acceptance's retained earnings decreased by 20.2% year-over-year, from $1.36B to $1.08B.
What is the long-term trend for Credit Acceptance's retained earnings?: Over 5 years (2020 to 2025), Credit Acceptance's retained earnings has grown at a -12.1% compound annual growth rate (CAGR), from $2.14B to $1.12B.
What does retained earnings mean?: Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.