Credit Acceptance Past Earnings Performance
Past criteria checks 1/6
Credit Acceptance's earnings have been declining at an average annual rate of -3.9%, while the Consumer Finance industry saw earnings growing at 6.1% annually. Revenues have been growing at an average rate of 1.1% per year. Credit Acceptance's return on equity is 16.3%, and it has net margins of 31.8%.
Key information
-3.9%
Earnings growth rate
4.0%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 1.1% |
| Return on equity | 16.3% |
| Net Margin | 31.8% |
| Next Earnings Update | 30 Apr 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Credit Acceptance makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 899 | 286 | 459 | 0 |
| 30 Sep 23 | 929 | 320 | 449 | 0 |
| 30 Jun 23 | 944 | 336 | 441 | 0 |
| 31 Mar 23 | 1,051 | 421 | 429 | 0 |
| 31 Dec 22 | 1,184 | 536 | 426 | 0 |
| 30 Sep 22 | 1,304 | 626 | 388 | 0 |
| 30 Jun 22 | 1,504 | 789 | 381 | 0 |
| 31 Mar 22 | 1,693 | 971 | 346 | 0 |
| 31 Dec 21 | 1,683 | 958 | 384 | 0 |
| 30 Sep 21 | 1,594 | 907 | 364 | 0 |
| 30 Jun 21 | 1,565 | 899 | 348 | 0 |
| 31 Mar 21 | 1,324 | 707 | 359 | 0 |
| 31 Dec 20 | 920 | 421 | 326 | 0 |
| 30 Sep 20 | 918 | 417 | 325 | 0 |
| 30 Jun 20 | 818 | 340 | 326 | 0 |
| 31 Mar 20 | 905 | 408 | 326 | 0 |
| 31 Dec 19 | 1,216 | 656 | 329 | 0 |
| 30 Sep 19 | 1,192 | 646 | 320 | 0 |
| 30 Jun 19 | 1,159 | 632 | 310 | 0 |
| 31 Mar 19 | 1,129 | 618 | 298 | 0 |
| 31 Dec 18 | 1,072 | 574 | 291 | 0 |
| 30 Sep 18 | 983 | 599 | 282 | 0 |
| 30 Jun 18 | 934 | 549 | 273 | 0 |
| 31 Mar 18 | 884 | 497 | 264 | 0 |
| 31 Dec 17 | 861 | 470 | 254 | 0 |
| 30 Sep 17 | 869 | 381 | 243 | 0 |
| 30 Jun 17 | 840 | 366 | 237 | 0 |
| 31 Mar 17 | 812 | 352 | 230 | 0 |
| 31 Dec 16 | 781 | 333 | 224 | 0 |
| 30 Sep 16 | 762 | 325 | 219 | 0 |
| 30 Jun 16 | 740 | 313 | 214 | 0 |
| 31 Mar 16 | 718 | 303 | 207 | 0 |
| 31 Dec 15 | 708 | 300 | 200 | 0 |
| 30 Sep 15 | 697 | 293 | 197 | 0 |
| 30 Jun 15 | 684 | 293 | 186 | 0 |
| 31 Mar 15 | 671 | 288 | 179 | 0 |
| 31 Dec 14 | 654 | 266 | 171 | 0 |
| 30 Sep 14 | 636 | 259 | 165 | 0 |
| 30 Jun 14 | 623 | 250 | 163 | 0 |
| 31 Mar 14 | 609 | 242 | 161 | 0 |
| 31 Dec 13 | 595 | 253 | 156 | 0 |
| 30 Sep 13 | 578 | 247 | 153 | 0 |
| 30 Jun 13 | 557 | 235 | 153 | 0 |
Quality Earnings: 2D5 has high quality earnings.
Growing Profit Margin: 2D5's current net profit margins (31.8%) are lower than last year (45.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: 2D5's earnings have declined by 3.9% per year over the past 5 years.
Accelerating Growth: 2D5's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 2D5 had negative earnings growth (-46.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (8.2%).
Return on Equity
High ROE: 2D5's Return on Equity (16.3%) is considered low.