CREDIT ACCEPTANCE CORPCACC

Market cap

$5B

P/E ratio

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Finance Charges Revenue	-	-	-	-	-	-	-	1,177	1,369	1,562	1,743	1,686	1,755	1,993
Premiums earned	40	47	52	52	48	43	41	47	51	57	60	63	80	96
Other Income	25	24	40	41	47	52	57	62	69	50	53	83	67	74
Total revenue	525	609	682	724	825	969	1,110	1,286	1,489	1,669	1,856	1,832	1,902	2,162
Salaries and wages	63	82	87	100	116	127	140	168	193	187	218	262	280	309
General and administrative	26	31	34	34	38	48	56	56	65	70	100	89	87	98
Sales and marketing	24	31	35	37	46	49	58	68	70	70	65	76	92	94
Operating Expenses	229	266	284	303	351	438	526	531	633	1,120	595	1,121	1,534	1,833
Provision for Credit Losses on Forecast Changes	-	-	-	-	-	-	-	-	-	-	-	-	-	494
Provision for credit losses	-	-	-	-	-	-	-	-	-	-	-	-	-	321
Financing Receivable, Credit Loss, Expense (Reversal)	-	-	-	-	-	-	-	-	-	-	-	-	-	815
Interest	57	63	65	57	76	98	120	157	196	192	164	167	267	420
Provision for claims	30	35	41	40	33	26	23	26	30	38	39	46	71	74
Loss on extinguishment of debt	-	-	-	-22	-	-	-	-	-2	-7	-	-	-2	-
Loss on sale of building	-	-	-	-	-	-	-	-	-	-	-	-	-	24
Total costs and expenses	229	266	284	303	351	438	526	531	633	1,120	595	1,121	1,534	1,833
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest, Total	-	-	-	-	-	-	-	-	-	-	1,261	712	368	330
Provision for income taxes	108	123	145	155	175	198	114	181	200	129	303	176	82	82
Net income	188	220	253	266	300	333	470	574	656	421	958	536	286	248
Basic (in usd per share)	7.15	8.65	10.61	11.96	14.35	16.37	24.12	29.52	34.71	23.57	59.57	39.5	22.09	20.12
Diluted (in usd per share)	7.07	8.58	10.54	11.92	14.28	16.31	24.04	29.39	34.57	23.47	59.52	39.32	21.99	19.88