Credit Acceptance Corporation

CACCNASDAQFinancial Services● Active

$566.98

+$22.27(+4.09%)

Market Cap$5.9B

P/E Ratio—

52W High$579.8

52W Low$401.9

Avg Volume169K

Open$545.00

Beta1.39

Overview

Credit Acceptance Corporation (CACC) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

CACC · cash on hand · updated Dec 31, 2025

Core cash position

as of Dec 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$510.3M▼ -40.3% vs prior year

FY · as of Dec 31, 2025 · Reported in USD

Cash & Cash Equiv. (CCE)

$500.7M

cashAndCashEquivalents

Short-Term Investments

$9.6M

shortTermInvestments

YoY Change vs Prior Year

-40.3%

vs prior fiscal year

Latest Quarter

$25.7M

Q1 2026

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$510.3MCash on Hand

Total Debt$6.35BTotal Debt

Net Cash / Net Debt−$5.84BNet Debt Position

Cash vs Debt Ratio

Cash 7%Credit Acceptance Corporation cash as % of market cap: 8.60%% · MCap $6BDebt 93%

Credit Acceptance Corporation carries a net debt position of $5.84B. Total debt ($6.35B) exceeds cash on hand ($510.3M). Credit Acceptance Corporation cash vs debt ratio: 7% cash / 93% debt.

Net Cash = Cash & ST Investments − Total Debt$510.3M − $6.35B = −$5.84B

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

CACC annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

CACC cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Dec 31, 2025LatestFY$510.3M-40.3%

Dec 31, 2024FY$854.5M+78.8%

Dec 31, 2023FY$477.8M+13.3%

Dec 31, 2022FY$421.7M+1709.9%

Dec 31, 2021FY$23.3M+45.6%

CACC cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

CACC vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

Mastercard Incorporated

$10.90B$430B2.5%

Credit Acceptance CorporationYOU

CACC

$510.3M$6B8.6%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Credit Acceptance Corporation (CACC) cash on hand as of December 31, 2025 is $510.3M, comprising $500.7M in cash and cash equivalents (CCE) plus $9.6M in short-term investments — reported as Credit Acceptance Corporation cash and short-term investments on the balance sheet (10-K filing). Also referred to as Credit Acceptance Corporation cash reserves or cash position.

Credit Acceptance Corporation annual cash on hand history shows decreased -40.3% in 2025: decreased -40.3% in 2025. Credit Acceptance Corporation cash reserves in 2025 reflect the company's capital allocation strategy.

Credit Acceptance Corporation carries total debt of $6.35B against cash of $510.3M, resulting in a net debt position of -$5.84B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

CACC cash on hand · 5 questions

As of December 31, 2025, Credit Acceptance Corporation (CACC) has $510,300,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $500,700,000 in cash and cash equivalents (CCE) plus $9,600,000 in short-term investments. Latest quarter (March 31, 2026): $25,700,000. Data sourced from the annual 10-K filing via FMP.

CACC cash on handCACC cash reservesCACC cash 2025how much cash does CACC have

▸ Source: FMP /balance-sheet-statement · US GAAP · Credit Acceptance Corporation · Credit Acceptance Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025