7Baggers

Credit Acceptance Corporation
(NASDAQ:CACC) 

CACC stock logo

Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans fr...

Founded: 1972
Full Time Employees: 2,016
Sector: Financial Services
Industry: Credit Services
Financial Services
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At a glance:
Bull Thesis:
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Main Competitors:
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Income Statements:
Quarterly
Annual
    Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2012-12-31 2011-12-31 2010-12-31 
                                       
      revenue:
    		                                   
      finance charges
    		535,000,000 539,400,000 540,700,000 526,700,000 518,200,000 507,600,000 497,700,000 469,200,000 451,600,000 441,700,000 441,000,000 421,100,000 416,000,000 420,600,000 425,600,000 424,100,000 430,200,000 442,100,000 445,400,000 424,900,000 417,900,000 404,400,000 378,200,000 361,900,000 356,100,000 349,900,000 341,500,000         
      premiums earned
    		23,900,000 24,100,000 24,100,000 23,500,000 24,800,000 25,100,000 24,300,000 21,900,000 21,600,000 20,800,000 19,800,000 17,400,000 17,100,000 16,400,000 15,400,000 13,800,000 14,700,000 15,400,000 15,800,000 14,400,000 15,100,000 15,100,000 14,200,000 12,900,000 12,800,000 12,900,000 13,100,000         
      other income
    		21,000,000 18,900,000 19,000,000 20,900,000 22,900,000 17,600,000 16,200,000 16,900,000 18,400,000 16,100,000 17,100,000 15,300,000 25,900,000 23,300,000 16,400,000 17,800,000 18,300,000 12,600,000 10,500,000 11,700,000 14,400,000 7,000,000 13,900,000 14,300,000 17,000,000 15,900,000 16,000,000         
      total revenue
    		579,900,000 582,400,000 583,800,000 571,100,000 565,900,000 550,300,000 538,200,000 508,000,000 491,600,000 478,600,000 477,900,000 453,800,000 459,000,000 460,300,000 457,400,000 455,700,000 463,200,000 470,100,000 471,700,000 451,000,000 447,400,000 426,500,000 406,300,000 389,100,000 385,900,000 378,700,000 370,600,000         
      yoy
    		2.47% 5.83% 8.47% 12.42% 15.11% 14.98% 12.62% 11.94% 7.10% 3.98% 4.48% -0.42% -0.91% -2.08% -3.03% 1.04% 3.53% 10.22% 16.10% 15.91% 15.94% 12.62% 9.63%             
      qoq
    		-0.43% -0.24% 2.22% 0.92% 2.83% 2.25% 5.94% 3.34% 2.72% 0.15% 5.31% -1.13% -0.28% 0.63% 0.37% -1.62% -1.47% -0.34% 4.59% 0.80% 4.90% 4.97% 4.42% 0.83% 1.90% 2.19%          
      costs and expenses:
    		                                   
      salaries and wages
    		79,300,000 85,500,000 83,700,000 88,600,000 77,600,000 77,300,000 75,800,000 78,500,000 66,100,000 66,700,000 70,200,000 77,200,000 65,300,000 66,900,000 65,400,000 64,400,000 67,200,000 63,200,000 38,400,000 49,300,000 46,100,000 46,600,000 48,800,000 45,000,000 49,400,000 47,900,000 47,300,000         
      general and administrative
    		57,800,000 36,300,000 45,200,000 22,100,000 22,000,000 29,000,000 23,200,000 23,700,000 27,400,000 21,300,000 20,500,000 18,000,000 20,900,000 16,600,000 32,300,000 18,900,000 20,400,000 16,900,000 16,900,000 46,100,000 22,800,000 17,200,000 14,600,000 15,000,000 17,200,000 17,200,000 16,800,000         
      sales and marketing
    		25,200,000 24,800,000 26,600,000 24,800,000 22,000,000 23,100,000 25,400,000 23,900,000 20,800,000 22,500,000 26,300,000 22,100,000 17,700,000 19,700,000 19,000,000 19,200,000 16,900,000 16,300,000 14,900,000 17,200,000 15,600,000 16,600,000 18,200,000 19,100,000 17,100,000 16,600,000 17,700,000         
      total operating expenses
    		162,300,000 146,600,000 155,500,000 135,500,000 121,600,000 129,400,000 124,400,000 126,100,000 114,300,000 110,500,000 117,000,000 117,300,000                        
      provision for credit losses on forecast changes
    		72,600,000 88,100,000 101,300,000 76,300,000 62,900,000 105,900,000 237,800,000 87,200,000 94,300,000 106,300,000 168,800,000                         
      provision for credit losses on new consumer loan assignments
    		57,000,000 63,900,000 71,300,000 85,600,000 60,500,000 78,800,000 82,800,000 98,800,000 69,400,000 78,300,000 81,700,000                         
      total provision for credit losses
    		129,600,000 152,000,000 172,600,000 161,900,000 123,400,000 184,700,000 320,600,000 186,000,000 163,700,000 184,600,000 250,500,000                         
      interest
    		113,800,000 116,300,000 118,100,000 114,700,000 111,300,000 111,200,000 104,500,000 92,500,000 78,800,000 70,500,000 62,800,000 54,400,000 49,400,000 41,800,000 38,900,000 36,500,000 38,600,000 39,800,000 42,000,000 43,800,000 45,100,000 46,800,000 48,200,000 51,900,000 51,000,000 50,400,000 49,800,000         
      provision for claims
    		17,200,000 18,600,000 19,800,000 16,100,000 17,700,000 18,500,000 20,300,000 17,000,000 16,600,000 16,500,000 19,700,000                         
      loss on extinguishment of debt
    		   1,200,000                    7,400,000            
      loss on sale of building
    		      23,700,000                             
      total costs and expenses
    		422,900,000 433,500,000 466,000,000 429,400,000 374,000,000 443,800,000 593,500,000 421,600,000 375,200,000 382,100,000 450,000,000 327,000,000 296,000,000 338,200,000 315,300,000 171,200,000 178,500,000 137,900,000 92,000,000 186,700,000 231,300,000 108,100,000 278,500,000 501,900,000 170,700,000 159,600,000 155,300,000         
      income before provision for income taxes
    		157,000,000 148,900,000 117,800,000 141,700,000 191,900,000 106,500,000 -55,300,000 86,400,000 116,400,000 96,500,000 27,900,000                         
      provision for income taxes
    		35,000,000 40,700,000 30,400,000 35,400,000 40,000,000 27,700,000 -8,200,000 22,100,000 22,800,000 25,700,000 5,700,000                         
      net income
    		122,000,000 108,200,000 87,400,000 106,300,000 151,900,000 78,800,000 -47,100,000 64,300,000 93,600,000 70,800,000 22,200,000 99,500,000 127,300,000 86,800,000 107,400,000 214,300,000 217,600,000 250,000,000 288,600,000 202,100,000 166,300,000 242,100,000 96,400,000 -83,800,000 161,900,000 165,400,000 164,400,000         
      yoy
    		-19.68% 37.31% -285.56% 65.32% 62.29% 11.30% -312.16% -35.38% -26.47% -18.43% -79.33% -53.57% -41.50% -65.28% -62.79% 6.04% 30.85% 3.26% 199.38% -341.17% 2.72% 46.37% -41.36%             
      qoq
    		12.75% 23.80% -17.78% -30.02% 92.77% -267.30% -173.25% -31.30% 32.20% 218.92% -77.69% -21.84% 46.66% -19.18% -49.88% -1.52% -12.96% -13.37% 42.80% 21.53% -31.31% 151.14% -215.04% -151.76% -2.12% 0.61%          
      net income margin %
    		21.04% 18.58% 14.97% 18.61% 26.84% 14.32% -8.75% 12.66% 19.04% 14.79% 4.65% 21.93% 27.73% 18.86% 23.48% 47.03% 46.98% 53.18% 61.18% 44.81% 37.17% 56.76% 23.73% -21.54% 41.95% 43.68% 44.36%         
      net income per share
    		                                   
      basic
    		11.07 9.62 7.55 8.79 12.34 6.42 -3.83 5.15 7.3 5.47 1.7 7.62 9.6 6.53 7.99 15.02 14.8 15.83 17.19 11.85 9.39 13.57 5.4 -4.61 8.63 8.73 8.68         
      diluted
    		10.88 9.43 7.42 8.66 12.2 6.35 -3.83 5.08 7.26 5.43 1.69 7.61 9.58 6.49 7.94 14.94 14.79 15.79 17.18 11.82 9.3 13.56 5.4 -4.61 8.51 8.73 8.68         
      weighted-average shares outstanding:
    		                                   
      basic
    		11,451,578 11,248,227 11,574,018 12,091,027 12,323,261 12,274,685 12,282,174 12,481,139 12,953,424 12,933,377 13,049,935 13,057,617 13,563,885 13,293,224 13,435,507 14,268,518 16,085,823 15,795,963 16,790,189 17,060,944 17,858,935 17,844,785 17,844,785 18,185,465 18,900,256 18,944,672 18,944,672         
      diluted
    		11,650,773 11,472,729 11,771,525 12,279,446 12,469,283 12,415,143 12,282,174 12,646,529 13,010,735 13,039,638 13,099,961 13,073,316 13,625,081 13,364,160 13,517,979 14,341,523 16,100,552 15,829,166 16,794,279 17,099,058 17,935,779 17,849,765 17,847,050 18,185,465 18,976,560 18,950,866 18,949,962         
      benefit from credit losses on forecast changes
    		           44,300,000                        
      benefit from credit losses on new consumer loan assignments
    		           93,100,000                        
      total benefit from credit losses
    		           137,400,000                        
      benefit from claims
    		           17,900,000 12,400,000 12,900,000 12,200,000 8,900,000 9,500,000 10,000,000 10,300,000 9,000,000 9,100,000 10,700,000 9,300,000 8,800,000 7,000,000 8,200,000 8,300,000         
      income before benefit from income taxes
    		           126,800,000 163,000,000 122,100,000 142,100,000 284,500,000 284,700,000 332,200,000 379,700,000  216,100,000 318,400,000 127,800,000  215,200,000 219,100,000 215,300,000         
      benefit from income taxes
    		           27,300,000 35,700,000 35,300,000 34,700,000 70,200,000 67,100,000 82,200,000 91,100,000  49,800,000 76,300,000 31,400,000  53,300,000 53,700,000 50,900,000         
      benefit from credit losses
    		            130,300,000 180,300,000 147,500,000 23,300,000 25,900,000 -8,300,000 -30,500,000 21,300,000 92,600,000 -29,800,000 139,400,000 354,700,000 27,200,000 19,300,000 15,400,000         
      income before benefit for income taxes
    		                   264,300,000    -112,800,000            
      benefit for income taxes
    		                   62,200,000    -29,000,000            
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 2019-06-30 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2012-12-31 2011-12-31 2010-12-31 
                                         
        assets:
      		                                   
        cash and cash equivalents
      		22,800,000 15,900,000 70,000,000 528,800,000 343,700,000 159,700,000 8,300,000 8,400,000 13,200,000 3,100,000 3,200,000 8,100,000 7,700,000 10,700,000 4,100,000 17,600,000 23,300,000 13,300,000 383,500,000 45,700,000 16,000,000 8,900,000 8,500,000 25,700,000 187,400,000 24,700,000 19,700,000 25,700,000 8,200,000 14,600,000 6,300,000 6,400,000 9,000,000 4,657,000 3,792,000 
        restricted cash and cash equivalents
      		477,900,000 482,900,000 493,800,000 591,800,000 501,300,000 556,600,000 509,300,000 559,200,000 457,700,000 435,100,000 408,800,000 480,000,000 410,000,000 384,700,000 426,700,000 481,100,000 410,900,000 429,000,000 477,400,000 538,500,000 380,200,000 391,900,000 382,700,000 408,100,000 330,300,000 329,800,000 328,800,000 303,600,000 255,600,000 224,700,000 167,400,000 157,600,000 92,400,000 104,679,000 66,536,000 
        restricted securities available for sale
      		106,200,000 108,900,000 107,100,000 109,000,000 106,400,000 113,900,000 106,100,000 99,900,000 93,200,000 86,200,000 81,400,000 76,400,000 72,300,000 68,000,000 66,000,000 62,400,000 62,100,000 67,100,000 69,300,000 68,100,000 66,100,000 66,800,000 67,900,000 63,200,000 59,300,000 59,800,000 61,500,000 58,600,000 46,100,000 45,300,000 48,300,000 53,200,000 46,100,000 810,000 805,000 
        loans receivable
      		11,511,500,000 11,563,700,000 11,563,000,000 11,476,700,000 11,289,100,000 11,197,600,000 10,884,200,000 10,483,500,000 10,020,100,000 9,812,200,000 9,599,600,000 9,384,300,000 9,165,500,000 9,186,400,000 9,190,600,000 9,198,000,000 9,349,800,000 9,685,800,000 9,966,500,000 10,158,000,000 10,124,800,000 10,176,100,000 10,095,900,000 9,859,000,000 7,221,200,000 7,072,800,000 6,873,600,000 6,225,200,000 5,049,000,000 4,207,000,000 3,345,100,000 2,719,800,000 2,109,900,000 1,752,891,000 1,344,881,000 
        allowance for credit losses
      		-3,602,300,000 -3,588,200,000 -3,561,100,000 -3,498,500,000 -3,438,800,000 -3,416,100,000 -3,336,500,000 -3,137,900,000 -3,064,800,000 -3,031,700,000 -2,989,300,000 -2,884,000,000 -2,867,800,000 -2,874,800,000 -2,866,900,000 -2,870,800,000 -3,013,500,000 -3,103,200,000 -3,198,400,000 -3,282,700,000 -3,336,900,000 -3,310,900,000 -3,346,100,000 -3,240,500,000 -536,000,000 -509,100,000 -489,600,000 -461,900,000 -429,400,000 -320,400,000 -243,600,000 -206,900,000 -176,400,000 -154,318,000 -126,868,000 
        property and equipment
      		12,600,000 12,900,000 13,200,000 13,700,000 14,700,000 15,200,000 16,100,000 44,600,000 46,500,000 47,100,000 49,400,000 50,100,000 51,400,000 52,400,000 53,700,000 56,700,000 57,300,000 58,300,000 57,700,000 57,800,000 59,400,000 61,000,000 62,000,000 62,300,000 59,700,000 58,500,000 53,100,000 40,200,000 20,500,000 18,200,000 18,900,000 20,900,000 22,200,000 18,472,000 16,311,000 
        income taxes receivable
      		67,200,000 9,700,000 9,400,000 6,400,000 4,200,000 26,400,000 39,900,000 11,100,000 4,300,000 14,200,000 13,700,000 11,000,000 8,700,000 29,000,000 52,200,000 52,900,000 109,200,000 25,000,000 17,900,000 98,300,000 147,000,000 8,700,000 36,300,000 59,600,000 66,200,000 10,800,000 21,800,000 7,900,000 2,200,000 2,300,000 10,000,000 1,400,000 1,100,000 506,000 12,002,000 
        other assets
      		35,800,000 34,800,000 29,200,000 30,100,000 34,000,000 29,900,000 28,000,000 28,200,000 40,000,000 30,900,000 38,700,000 29,000,000 56,900,000 36,000,000 52,100,000 40,400,000 51,800,000 23,700,000 27,500,000 23,200,000 32,400,000 19,000,000 30,400,000 22,200,000 35,100,000 23,700,000 39,600,000 38,100,000 33,400,000 26,300,000 37,000,000 33,000,000 28,900,000 30,901,000 26,056,000 
        total assets
      		8,631,700,000 8,640,600,000 8,724,600,000 9,258,000,000 8,854,600,000 8,683,200,000 8,255,400,000 8,097,000,000 7,610,200,000 7,397,100,000 7,205,500,000 7,154,900,000 6,904,700,000 6,892,400,000 6,978,500,000 7,038,300,000 7,050,900,000 7,199,000,000 7,801,400,000 7,706,900,000 7,489,000,000 7,421,500,000 7,337,600,000 7,259,600,000 7,423,200,000 7,071,000,000 6,908,500,000 6,237,400,000 4,985,600,000 4,218,000,000 3,389,400,000 2,785,400,000 2,133,200,000 1,758,598,000 1,343,515,000 
        liabilities and shareholders’ equity:
      		                                   
        liabilities:
      		                                   
        accounts payable and accrued liabilities
      		400,200,000 382,900,000 378,800,000 377,000,000 315,800,000 364,400,000 344,200,000 342,700,000 318,800,000 284,100,000 263,100,000 257,300,000 260,800,000 239,000,000 225,600,000 224,500,000 175,000,000 251,300,000 226,300,000 217,200,000 186,700,000 187,200,000 181,100,000 170,600,000 206,400,000 184,600,000 203,400,000 186,400,000 151,700,000 143,900,000 127,800,000 114,400,000 105,800,000 95,858,000 75,297,000 
        revolving secured lines of credit
      		107,300,000 148,700,000 1,500,000 1,400,000 100,000 1,000,000 84,300,000 169,500,000 79,200,000 102,100,000 168,900,000                         
        secured financing
      		5,158,800,000 5,133,100,000 5,383,300,000 5,618,000,000 5,361,500,000 5,257,100,000 4,872,200,000 4,444,100,000 3,990,900,000 4,034,200,000 3,774,200,000 3,771,800,000 3,756,400,000 3,634,100,000 3,768,900,000 3,832,400,000 3,811,500,000 3,733,000,000 3,978,500,000 3,914,600,000 3,711,600,000 3,692,800,000 3,838,000,000 3,957,600,000 3,339,700,000 3,228,300,000 3,233,000,000 3,092,700,000 2,514,100,000 2,062,400,000 1,478,600,000 1,333,000,000 853,000,000 599,281,000 300,100,000 
        senior notes
      		1,087,800,000 1,087,200,000 1,086,400,000 1,085,800,000 991,300,000 990,800,000 990,100,000 989,600,000 989,000,000 796,000,000 794,900,000 795,000,000 794,500,000 793,900,000 793,400,000 792,500,000 792,500,000 792,000,000 791,500,000 791,100,000 790,600,000 790,100,000 789,700,000 789,200,000 1,187,800,000 940,200,000 939,600,000 544,400,000 542,800,000 541,300,000 548,300,000 300,000,000 350,300,000 350,378,000 244,344,000 
        deferred income taxes
      		354,000,000 298,200,000 306,100,000 320,900,000 319,100,000 423,200,000 409,500,000 421,100,000 389,200,000 461,800,000 448,600,000 451,200,000 426,700,000 438,100,000 440,400,000 445,800,000 435,200,000 386,600,000 401,800,000 403,700,000 391,000,000 306,300,000 292,100,000 284,900,000 322,500,000 271,200,000 267,000,000 236,700,000 187,400,000 273,100,000 248,900,000 213,400,000 148,400,000 123,449,000 108,077,000 
        income taxes payable
      		 11,900,000 13,800,000 144,000,000 117,200,000 200,000 200,000 69,500,000 81,000,000 9,500,000 200,000 2,300,000 2,500,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 200,000 2,500,000 39,900,000 23,600,000  2,900,000 6,300,000 1,493,000  
        total liabilities
      		7,108,100,000 7,062,000,000 7,169,900,000 7,547,100,000 7,105,000,000 7,036,700,000 6,700,500,000 6,444,800,000 5,856,500,000 5,696,200,000 5,458,500,000 5,431,500,000 5,280,700,000 5,303,200,000 5,458,400,000 5,409,500,000 5,226,700,000 5,245,200,000 5,408,400,000 5,337,100,000 5,186,500,000 5,113,000,000 5,272,500,000 5,293,500,000 5,067,900,000 4,688,200,000 4,693,200,000 4,246,500,000 3,449,800,000 3,044,300,000 2,461,300,000 2,083,200,000 1,511,300,000 1,218,647,000 869,041,000 
        commitments and contingencies - see note 15
      		                                   
        shareholders’ equity:
      		                                   
        preferred stock, .01 par value...
      		                                   
        common stock, .01 par value...
      		100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 100,000 200,000 200,000 200,000 200,000        200,000 200,000 200,000 200,000 256,000 273,000 
        paid-in capital
      		403,300,000 392,100,000 369,300,000 351,700,000 335,100,000 324,500,000 313,800,000 303,500,000 279,000,000 271,300,000 261,700,000 252,100,000 245,700,000 235,800,000 225,800,000 211,500,000 197,200,000 166,000,000 150,800,000 161,700,000 161,900,000 160,400,000 158,900,000 157,500,000 157,700,000 155,700,000 153,700,000 154,900,000 145,500,000 131,700,000 100,800,000 88,700,000 53,400,000 38,801,000 30,985,000 
        retained earnings
      		1,119,200,000 1,185,300,000 1,184,300,000 1,358,500,000 1,414,700,000 1,321,000,000 1,242,200,000 1,349,800,000 1,475,600,000 1,432,400,000 1,487,900,000 1,473,300,000 1,381,100,000 1,356,700,000 1,296,400,000 1,418,700,000 1,626,700,000 1,787,000,000 2,241,100,000 2,207,000,000 2,138,800,000 2,146,200,000 1,904,100,000 1,807,700,000 2,196,600,000 2,226,000,000 2,060,600,000 1,836,100,000 1,390,300,000 1,042,000,000 827,200,000 613,400,000 568,400,000 500,888,000 443,326,000 
        accumulated other comprehensive income
      		1,000,000 1,100,000 1,000,000 600,000  900,000       -2,900,000 -3,400,000 -2,200,000 -1,500,000 200,000 700,000 900,000 900,000 1,600,000 1,700,000 1,900,000 700,000 800,000 900,000        6,000  
        total shareholders’ equity
      		1,523,600,000 1,578,600,000 1,554,700,000 1,710,900,000 1,749,600,000 1,646,500,000 1,554,900,000 1,652,200,000 1,753,700,000 1,700,900,000 1,747,000,000  1,624,000,000    1,824,200,000    2,302,500,000               
        total liabilities and shareholders’ equity
      		8,631,700,000 8,640,600,000 8,724,600,000 9,258,000,000 8,854,600,000 8,683,200,000 8,255,400,000 8,097,000,000 7,610,200,000 7,397,100,000 7,205,500,000  6,904,700,000    7,050,900,000    7,489,000,000               
        mortgage note
      		       8,300,000 8,400,000 8,500,000 8,600,000 8,800,000 8,900,000 9,000,000 9,200,000 9,400,000 9,700,000 9,900,000 10,100,000 10,300,000 10,500,000 10,700,000 10,900,000 11,100,000 11,300,000 11,500,000 11,600,000 11,900,000     4,000,000 4,288,000  
        accumulated other comprehensive loss
      		    -300,000  -1,200,000 -1,200,000 -1,000,000 -2,900,000 -2,700,000 -2,100,000                -300,000 -200,000 -200,000 -100,000 -100,000 -100,000   
        commitments and contingencies - see note 16
      		                                   
        liabilities and shareholders' equity:
      		                                   
        revolving secured line of credit
      		           145,100,000 30,900,000 188,900,000 220,700,000 104,700,000 2,600,000 72,200,000   95,900,000 125,700,000 160,500,000 79,900,000  52,200,000 38,400,000 171,900,000 13,900,000  57,700,000 119,500,000 43,500,000 43,900,000  
        shareholders' equity:
      		                                   
        total shareholders' equity
      		           1,723,400,000  1,589,200,000 1,520,100,000 1,628,800,000  1,953,800,000 2,393,000,000 2,369,800,000  2,308,500,000 2,065,100,000 1,966,100,000 2,355,300,000 2,382,800,000 2,215,300,000 1,990,900,000 1,535,800,000 1,173,700,000 928,100,000 702,200,000 621,900,000 539,951,000 474,474,000 
        total liabilities and shareholders' equity
      		           7,154,900,000  6,892,400,000 6,978,500,000 7,038,300,000  7,199,000,000 7,801,400,000 7,706,900,000  7,421,500,000 7,337,600,000 7,259,600,000 7,423,200,000 7,071,000,000 6,908,500,000 6,237,400,000 4,985,600,000 4,218,000,000 3,389,400,000 2,785,400,000 2,133,200,000 1,758,598,000 1,343,515,000 
        common stock, 0.01 par value...
      		                      200,000 200,000 200,000 200,000 200,000 200,000 200,000       
        preferred stock, 0.01 par value...
      		                                   
        accumulated other comprehensive gain
      		                          800,000         
        commitments and contingencies - see note 17
      		                                   
        line of credit
      		                                  136,700,000 
        mortgage note and capital lease obligations
      		                                  4,523,000 
        commitments and contingencies - see note 13
      		                                   
        accumulated other comprehensive loss, net of tax of 64 and 526 as of december 31, 2010 and december 31, 2009, respectively
      		                                  -110,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2019-09-30 
                                  
          cash flows from operating activities:
        		                          
          net income
        		122,000,000 108,200,000 87,400,000 106,300,000 151,900,000 78,800,000 -47,100,000 64,300,000 93,600,000 70,800,000 22,200,000 99,500,000 127,300,000 86,800,000 107,400,000 214,300,000 217,600,000 250,000,000 288,600,000 202,100,000 166,300,000 242,100,000 96,400,000 -83,800,000 161,900,000 165,400,000 
          adjustments to reconcile net income to cash from operating activities:
        		                          
          provision for credit losses
        		129,600,000 152,000,000 172,600,000 161,900,000 123,400,000 184,700,000 320,600,000 186,000,000 163,700,000 184,600,000                 
          depreciation
        		700,000 800,000 900,000 1,200,000 1,200,000 1,300,000 2,000,000 2,200,000 2,300,000 2,200,000 2,200,000 2,200,000 2,200,000 2,200,000 2,300,000 2,300,000 2,500,000 2,400,000 2,400,000 2,400,000 2,400,000 2,400,000 2,200,000 1,800,000 2,000,000 1,900,000 
          amortization
        		5,400,000 6,000,000 5,900,000 5,700,000 5,700,000 5,600,000 4,900,000 4,900,000 4,400,000 4,900,000 4,200,000 4,200,000 4,100,000 4,000,000 4,200,000 4,300,000 4,100,000 4,400,000 4,000,000 4,100,000 3,900,000 3,800,000 3,600,000 3,700,000 3,800,000 4,000,000 
          provision (credit) for deferred income taxes
        		55,800,000 -7,900,000                         
          stock-based compensation
        		13,000,000 12,100,000 12,700,000 12,900,000 12,800,000 10,700,000 10,600,000 10,900,000 10,100,000 9,300,000 9,800,000 9,900,000 9,600,000 8,700,000 9,100,000 9,100,000 19,400,000 15,200,000 -10,900,000 1,100,000 1,500,000 1,500,000 1,400,000 1,800,000 1,900,000 2,000,000 
          loss on extinguishment of debt
        		0 0 0 1,200,000                 0 0 0 7,400,000   
          loss on sale of building
        		    0 0                     
          other
        		  -100,000 200,000 300,000 100,000 0 400,000 100,000 100,000 100,000 300,000 200,000 0 0 100,000 -100,000 -100,000 -100,000 -100,000 -100,000 -200,000 -200,000 -200,000 -300,000 -2,400,000 
          change in operating assets and liabilities:
        		                          
          increase in accounts payable and accrued liabilities
        		14,000,000 35,400,000 6,200,000 27,300,000 -19,900,000 12,500,000 -2,400,000 16,600,000 35,100,000 11,300,000 9,300,000 -6,000,000 23,500,000 7,200,000 -5,900,000 43,100,000 -76,200,000 25,100,000       22,100,000 -15,700,000 
          decrease in income taxes receivable
        		        9,900,000 -500,000    23,200,000 700,000 56,300,000  -7,100,000 80,400,000 48,700,000    6,600,000   
          increase in income taxes payable
        		   26,800,000 117,000,000    71,500,000                  
          decrease in other assets
        		-1,600,000 -4,900,000 2,200,000 3,300,000 -4,600,000 -2,600,000 1,400,000 11,100,000 -8,200,000 8,100,000 -8,400,000 27,300,000  15,800,000 -10,500,000 12,300,000  3,300,000 -5,100,000 8,700,000  10,700,000 -8,800,000 12,300,000  15,200,000 
          net cash from operating activities
        		269,300,000 299,400,000 139,700,000 346,200,000 306,200,000 317,700,000 204,000,000 310,000,000 311,200,000 313,400,000 282,700,000 296,500,000 286,800,000 326,300,000 249,500,000 376,100,000 131,100,000 269,800,000 343,300,000 325,200,000 202,200,000 276,700,000 275,000,000 231,300,000 204,300,000 207,400,000 
          capital expenditures
        		-400,000 -600,000 -300,000 -300,000 -700,000 -400,000 -400,000 -300,000 -1,700,000 100,000 -1,500,000 -900,000 -1,200,000 -900,000 700,000 -1,700,000 -1,500,000 -3,000,000 -2,300,000 -800,000 -800,000 -1,400,000 -1,900,000 -4,400,000 -3,200,000 -7,300,000 
          free cash flows
        		268,900,000 298,800,000 139,400,000 345,900,000 305,500,000 317,300,000 203,600,000 309,700,000 309,500,000 313,500,000 281,200,000 295,600,000 285,600,000 325,400,000 250,200,000 374,400,000 129,600,000 266,800,000 341,000,000 324,400,000 201,400,000 275,300,000 273,100,000 226,900,000 201,100,000 200,100,000 
          cash flows from investing activities:
        		                          
          purchases of restricted securities available for sale
        		-11,000,000 -13,100,000 -8,900,000 -10,300,000 -7,300,000 -17,400,000 -12,600,000 -21,700,000 -8,600,000 -13,800,000 -9,500,000 -11,400,000 -11,900,000 -13,800,000 -13,000,000 -11,400,000 -7,400,000 -6,200,000 -13,400,000 -11,800,000 -5,400,000 -8,300,000 -13,500,000 -16,000,000 -7,300,000 -8,000,000 
          proceeds from sale of restricted securities available for sale
        		11,300,000 9,500,000 5,600,000 7,000,000 11,100,000 9,800,000 3,100,000 12,900,000 3,500,000 4,700,000 2,000,000 5,600,000 1,600,000 3,200,000 900,000 5,400,000 10,200,000 5,900,000 900,000 5,200,000 5,400,000 6,400,000 4,900,000 8,100,000 4,200,000 7,800,000 
          maturities of restricted securities available for sale
        		2,500,000 2,200,000 5,700,000 1,800,000 1,900,000 2,500,000 3,400,000 1,500,000 400,000 3,900,000 1,700,000 2,500,000 6,400,000 7,000,000 7,500,000 3,400,000 1,400,000 2,100,000 11,300,000 3,500,000 600,000 2,900,000 5,500,000 4,000,000 3,800,000 1,900,000 
          principal collected on loans receivable
        		805,600,000 850,400,000 865,000,000 890,900,000 799,300,000 799,200,000 789,700,000 820,700,000 706,000,000 737,100,000 770,400,000 823,300,000 742,500,000 815,300,000 893,600,000 961,900,000 901,000,000 941,000,000 993,500,000 973,000,000 757,400,000 813,700,000 783,700,000 815,300,000 716,300,000 746,300,000 
          advances to dealers
        		-594,500,000 -652,500,000 -682,000,000 -835,800,000 -720,000,000 -899,200,000 -949,700,000 -1,009,400,000 -730,800,000 -732,500,000 -724,500,000 -745,900,000 -558,100,000 -651,900,000 -686,200,000 -633,800,000 -432,800,000 -467,500,000 -511,600,000 -647,100,000 -456,700,000 -519,000,000 -594,000,000 -638,100,000 -523,400,000 -573,300,000 
          purchases of consumer loans
        		-226,800,000 -271,600,000 -316,000,000 -276,900,000 -206,300,000 -247,400,000 -278,800,000 -307,600,000 -243,500,000 -289,700,000 -331,500,000 -349,400,000 -243,900,000 -273,000,000 -288,700,000 -289,700,000 -203,500,000 -232,500,000 -287,600,000 -385,200,000 -272,000,000 -333,100,000 -411,100,000 -417,200,000 -293,800,000 -321,100,000 
          accelerated payments of dealer holdback
        		-12,200,000 -10,700,000 -14,600,000 -13,200,000 -12,100,000 -13,500,000 -18,300,000 -15,100,000 -11,600,000 -10,700,000 -13,800,000 -10,800,000 -9,000,000 -10,300,000 -15,500,000 -9,400,000 -8,100,000 -9,400,000 -16,200,000 -10,400,000 -11,300,000 -11,700,000 -11,500,000 -11,400,000 -14,700,000 -16,100,000 
          payments of dealer holdback
        		-35,400,000 -41,200,000 -48,700,000 -54,800,000 -53,100,000 -57,600,000 -65,600,000 -64,900,000 -58,600,000 -59,000,000 -61,100,000 -57,200,000 -47,900,000 -48,300,000 -47,200,000 -43,200,000 -36,200,000 -37,800,000 -40,400,000 -39,000,000 -32,700,000 -35,500,000 -37,800,000 -36,600,000 -33,100,000 -34,800,000 
          purchases of property and equipment
        		-400,000 -600,000 -300,000 -300,000 -700,000 -400,000 -400,000 -300,000 -1,700,000 100,000 -1,500,000 -900,000 -1,200,000 -900,000 700,000 -1,700,000 -1,500,000 -3,000,000 -2,300,000 -800,000 -800,000 -1,400,000 -1,900,000 -4,400,000 -3,200,000 -7,300,000 
          proceeds from sale of building
        		    0 0                     
          net cash from investing activities
        		-60,900,000 -127,600,000 -194,200,000 -291,600,000 -187,200,000 -424,000,000 -526,000,000 -583,900,000 -344,900,000 -359,900,000 -367,800,000 -344,200,000 -121,500,000 -172,700,000 -147,900,000 -18,500,000    -112,600,000 -15,500,000 -86,000,000 -275,700,000 -296,300,000 -151,200,000 -204,600,000 
          cash flows from financing activities:
        		                          
          borrowings under revolving secured lines of credit
        		1,272,000,000 808,600,000 31,800,000 8,700,000 137,600,000 1,482,600,000 2,463,700,000 2,042,000,000 1,902,800,000 2,019,600,000                 
          repayments under revolving secured lines of credit
        		-1,313,400,000 -661,400,000 -31,700,000 -7,400,000 -138,500,000 -1,565,900,000 -2,548,900,000 -1,951,700,000 -1,925,700,000 -2,086,400,000                 
          proceeds from secured financing
        		751,000,000 0 0 651,000,000 754,000,000 615,500,000 1,187,100,000 1,062,800,000 758,000,000 803,000,000 600,000,000 601,000,000 694,100,000 118,000,000 518,100,000 211,700,000 451,000,000 0 651,000,000 728,800,000 728,300,000 703,400,000 252,600,000 1,115,900,000 698,000,000 647,000,000 
          repayments of secured financing
        		-725,900,000 -251,400,000 -239,800,000 -396,000,000 -651,900,000 -229,100,000 -758,300,000 -607,300,000 -796,900,000 -541,800,000 -595,600,000 -585,500,000 -570,300,000 -255,000,000 -580,100,000 -193,800,000 -373,300,000 -247,700,000 -586,700,000 -521,300,000 -707,600,000 -848,000,000 -374,500,000 -497,100,000 -586,500,000 -649,500,000 
          proceeds from issuance of senior notes
        		0 0 0 500,000,000                     400,000,000 0 
          repayment of senior notes
        		0 0 0 -400,000,000                 0 0 0 -401,800,000   
          payments of debt issuance costs and debt extinguishment costs
        		                -4,100,000 -1,100,000 -3,600,000 -7,600,000 -6,200,000 -3,600,000 -400,000 -8,500,000   
          repurchase of common stock
        		-191,400,000 -107,400,000 -262,200,000 -164,400,000 -61,400,000 0 -60,800,000 -191,100,000 -53,600,000 -126,300,000 -7,800,000 -14,900,000 -105,300,000 -26,500,000 -229,700,000 -423,000,000 -377,900,000 -704,200,000 -254,500,000 -135,200,000 -173,700,000 0 0 -307,100,000 -191,200,000 0 
          proceeds from stock options exercised
        		1,500,000 10,900,000 5,500,000 5,600,000 1,000,000 0 0 14,600,000 800,000 300,000 0 4,100,000 2,700,000 1,300,000 5,200,000 5,900,000           
          net cash from financing activities
        		-206,500,000 -236,800,000 -502,300,000 221,000,000 9,700,000 305,000,000 272,000,000 370,600,000 66,400,000 72,700,000 9,000,000 118,100,000 -143,000,000 -189,000,000 -169,500,000 -293,100,000 -362,300,000 -881,000,000       110,100,000 3,200,000 
          net increase in cash and cash equivalents and restricted cash and cash equivalents
        		1,900,000 -65,000,000 -556,800,000 275,600,000 128,700,000 198,700,000 -50,000,000 96,700,000 32,700,000   70,400,000 22,300,000 -35,400,000 -67,900,000 64,500,000 -8,100,000 -418,600,000 276,700,000 188,000,000 -4,600,000 9,600,000 -42,600,000 -83,900,000 163,200,000 6,000,000 
          cash and cash equivalents and restricted cash and cash equivalents, beginning of period
        		                          
          cash and cash equivalents and restricted cash and cash equivalents, end of period
        		                          
          supplemental disclosure of cash flow information:
        		                          
          cash paid during the period for interest
        		114,600,000 106,400,000 117,900,000 99,500,000 113,400,000 97,400,000 104,700,000 77,900,000 69,400,000 65,200,000 56,900,000 50,600,000 42,200,000 38,300,000 33,200,000 33,600,000 33,500,000 37,600,000 36,800,000 41,500,000 44,400,000 44,900,000 44,100,000 58,200,000 34,000,000 62,500,000 
          cash paid during the period for income taxes, net of refunds
        		47,200,000 48,700,000 176,900,000 6,500,000 1,700,000 800,000 96,000,000 5,200,000 12,200,000 1,400,000 14,900,000 3,400,000 22,700,000 12,100,000 37,300,000 600,000 100,900,000          
          adjustments to reconcile cash from operating activities:
        		                          
          increase in income taxes receivable
        		 -300,000 -3,000,000 -2,200,000  13,500,000 -28,800,000 -6,800,000                  11,000,000 
          decrease in income taxes payable
        		 -1,900,000     -69,300,000 -11,500,000   -2,100,000 -200,000              0 
          payments of debt issuance costs
        		 -3,600,000 -1,700,000 -10,600,000  -6,100,000 -6,700,000 -6,300,000  -4,800,000 -7,800,000 -3,400,000  -900,000 -6,200,000 -800,000          -5,200,000 
          cash and cash equivalents and restricted cash and cash equivalents beginning of period
        		 0 0 845,000,000  0 0 470,900,000  0 0 417,700,000  0 0 434,200,000  0 0 396,200,000  0 0 517,700,000  0 
          cash and cash equivalents and restricted cash and cash equivalents end of period
        		 -65,000,000 -556,800,000 1,120,600,000  198,700,000 -50,000,000 567,600,000  26,200,000 -76,100,000 488,100,000  -35,400,000 -67,900,000 498,700,000  -418,600,000 276,700,000 584,200,000  9,600,000 -42,600,000 433,800,000  6,000,000 
          provision for deferred income taxes
        		   1,600,000  13,100,000 -11,600,000 31,900,000  13,300,000                 
          credit for deferred income taxes
        		                          
          net decrease in cash and cash equivalents and restricted cash and cash equivalents
        		                          
          benefit from credit losses
        		           137,400,000 130,300,000 180,300,000 147,500,000 23,300,000 25,900,000 -8,300,000 -30,500,000 21,300,000 92,600,000 -29,800,000 139,400,000 354,700,000 27,200,000 19,300,000 
          benefit from deferred income taxes
        		           24,200,000   -5,300,000 11,000,000 48,800,000         4,200,000 
          decrease (increase) in income taxes receivable
        		           -2,300,000          27,600,000     
          borrowings under revolving secured line of credit
        		           1,522,300,000 755,300,000 1,991,200,000 3,178,300,000 697,800,000 496,200,000 72,200,000 186,600,000 807,600,000 988,200,000 1,503,100,000 1,762,900,000 1,121,800,000 819,500,000 906,600,000 
          repayments under revolving secured line of credit
        		           -1,408,100,000 -913,300,000 -2,023,000,000 -3,062,300,000 -595,700,000 -565,800,000 0 -186,600,000 -903,500,000 -1,018,000,000 -1,537,900,000 -1,682,300,000 -1,041,900,000 -871,700,000 -892,800,000 
          decrease (increase) in other assets
        		                          
          provision/(benefit) for deferred income taxes
        		                          
          net cash from in investing activities
        		                 192,600,000         
          benefit for deferred income taxes
        		                  -1,900,000 12,900,000  14,200,000 6,900,000 -37,500,000   
          cash paid during the period for income taxes
        		                    105,700,000 35,000,000 0 800,000 55,700,000 40,300,000 
          decrease in accounts payable and accrued liabilities
        		                   24,000,000    -35,500,000   
          net cash used by financing activities
        		                   -24,600,000       
          proceeds from mortgage note
        		                          
          net cash provided (used) by financing activities
        		                    -191,300,000 -181,100,000 -41,900,000 -18,900,000   
          increase in other assets
        		                          
          excess tax benefits from stock-based compensation plans
        		                          
          loss on retirement of property and equipment
        		                          
          increase in restricted cash and cash equivalents
        		                          
          other financing activities
        		                          
          net increase in cash and cash equivalents
        		                          
          cash and cash equivalents, beginning of period
        		                          
          cash and cash equivalents, end of period
        		                          
          tax benefits from stock-based compensation plans
        		                          
          net increase in other loans
        		                          
          principal payments under mortgage note
        		                          
          loss on impairment of software
        		                          
          decrease (increase) in restricted cash and cash equivalents
        		                          
          net decrease in other loans
        		                          
          principal payments under mortgage note and capital lease obligations
        		                          
          proceeds from sale of senior notes
        		                          
          advances to dealer-partners
        		                          
          net decrease (increase) in other loans
        		                          
          effect of exchange rate changes on cash
        		                          
          depreciation and amortization
        		                          
          increase in income taxes receivable / increase in income taxes payable
        		                          
          borrowings under line of credit
        		                          
          repayments under line of credit