Financial Statements for Credit Acceptance Corp.

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Credit Acceptance Corp. financials

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Income Statement

Balance Sheet

Cash Flow

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In Millions of USD (except for per share items)	3 months ending 2013-03-31	3 months ending 2012-12-31	3 months ending 2012-09-30	3 months ending 2012-06-30	3 months ending 2012-03-31
Revenue	154.90	152.70	149.70	146.01	136.84
Other Revenue, Total	9.80	6.60	5.98	5.77	5.57
Total Revenue	164.70	159.30	155.68	151.78	142.40
Cost of Revenue, Total	-	-	-	-	-
Gross Profit	154.90	152.70	149.70	146.01	136.84
Selling/General/Admin. Expenses, Total	53.60	51.70	55.53	47.00	48.37
Research & Development	-	-	-	-	-
Depreciation/Amortization	-	-	-	-	-
Interest Expense(Income) - Net Operating	-	-	-	-	-
Unusual Expense (Income)	-	-	-	-	-
Other Operating Expenses, Total	-	-	-	-	-
Total Operating Expense	69.60	68.00	71.82	62.65	63.58
Operating Income	95.10	91.30	83.86	89.13	78.83
Interest Income(Expense), Net Non-Operating	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-	-
Other, Net	-	-	-	-	-
Income Before Tax	95.10	91.30	83.86	89.13	78.83
Income After Tax	60.60	59.90	52.99	56.51	50.34
Minority Interest	-	-	-	-	-
Equity In Affiliates	-	-	-	-	-
Net Income Before Extra. Items	60.60	59.90	52.99	56.51	50.34
Accounting Change	-	-	-	-	-
Discontinued Operations	-	-	-	-	-
Extraordinary Item	-	-	-	-	-
Net Income	60.60	59.90	52.99	56.51	50.34
Preferred Dividends	-	-	-	-	-
Income Available to Common Excl. Extra Items	60.60	59.90	52.99	56.51	50.34
Income Available to Common Incl. Extra Items	60.60	59.90	52.99	56.51	50.34
Basic Weighted Average Shares	-	-	-	-	-
Basic EPS Excluding Extraordinary Items	-	-	-	-	-
Basic EPS Including Extraordinary Items	-	-	-	-	-
Dilution Adjustment	-	-	-	-	-
Diluted Weighted Average Shares	24.43	24.93	24.96	25.98	26.28
Diluted EPS Excluding Extraordinary Items	2.48	2.40	2.12	2.18	1.92
Diluted EPS Including Extraordinary Items	-	-	-	-	-
Dividends per Share - Common Stock Primary Issue	0.00	0.00	0.00	0.00	0.00
Gross Dividends - Common Stock	-	-	-	-	-
Net Income after Stock Based Comp. Expense	-	-	-	-	-
Basic EPS after Stock Based Comp. Expense	-	-	-	-	-
Diluted EPS after Stock Based Comp. Expense	-	-	-	-	-
Depreciation, Supplemental	-	-	-	-	-
Total Special Items	-	-	-	-	-
Normalized Income Before Taxes	-	-	-	-	-
Effect of Special Items on Income Taxes	-	-	-	-	-
Income Taxes Ex. Impact of Special Items	-	-	-	-	-
Normalized Income After Taxes	-	-	-	-	-
Normalized Income Avail to Common	-	-	-	-	-
Basic Normalized EPS	-	-	-	-	-
Diluted Normalized EPS	2.48	2.40	2.12	2.18	1.92

In Millions of USD (except for per share items)	12 months ending 2012-12-31	12 months ending 2011-12-31	12 months ending 2010-12-31	12 months ending 2009-12-31
Revenue	585.30	500.64	420.71	363.04
Other Revenue, Total	23.90	24.55	21.43	17.62
Total Revenue	609.20	525.19	442.13	380.66
Cost of Revenue, Total	-	-	-	-
Gross Profit	585.30	500.64	420.71	363.04
Selling/General/Admin. Expenses, Total	202.70	171.54	140.89	119.23
Research & Development	-	-	-	-
Depreciation/Amortization	-	-	-	-
Interest Expense(Income) - Net Operating	-	-	-	-
Unusual Expense (Income)	-	-	-	-
Other Operating Expenses, Total	-	-	-	-
Total Operating Expense	266.10	228.77	188.64	151.63
Operating Income	343.10	296.42	253.50	229.04
Interest Income(Expense), Net Non-Operating	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	-
Other, Net	-	-	-	-
Income Before Tax	343.10	296.42	253.50	229.04
Income After Tax	219.70	188.04	170.11	146.05
Minority Interest	-	-	-	-
Equity In Affiliates	-	-	-	-
Net Income Before Extra. Items	219.70	188.04	170.11	146.05
Accounting Change	-	-	-	-
Discontinued Operations	-	-	-	-
Extraordinary Item	-	-	-	-
Net Income	219.70	188.04	170.08	146.25
Preferred Dividends	-	-	-	-
Income Available to Common Excl. Extra Items	219.70	188.04	170.11	146.05
Income Available to Common Incl. Extra Items	219.70	188.04	170.08	146.25
Basic Weighted Average Shares	-	-	-	-
Basic EPS Excluding Extraordinary Items	-	-	-	-
Basic EPS Including Extraordinary Items	-	-	-	-
Dilution Adjustment	-	-	-	-
Diluted Weighted Average Shares	25.60	26.60	29.98	31.67
Diluted EPS Excluding Extraordinary Items	8.58	7.07	5.67	4.61
Diluted EPS Including Extraordinary Items	-	-	-	-
Dividends per Share - Common Stock Primary Issue	0.00	0.00	0.00	0.00
Gross Dividends - Common Stock	-	-	-	-
Net Income after Stock Based Comp. Expense	-	-	-	-
Basic EPS after Stock Based Comp. Expense	-	-	-	-
Diluted EPS after Stock Based Comp. Expense	-	-	-	-
Depreciation, Supplemental	-	-	-	-
Total Special Items	-	-	-	-
Normalized Income Before Taxes	-	-	-	-
Effect of Special Items on Income Taxes	-	-	-	-
Income Taxes Ex. Impact of Special Items	-	-	-	-
Normalized Income After Taxes	-	-	-	-
Normalized Income Avail to Common	-	-	-	-
Basic Normalized EPS	-	-	-	-
Diluted Normalized EPS	8.58	7.07	5.67	4.61

In Millions of USD (except for per share items)	As of 2013-03-31	As of 2012-12-31	As of 2012-09-30	As of 2012-06-30	As of 2012-03-31
Cash & Equivalents	7.80	9.00	5.72	5.15	4.69
Short Term Investments	-	-	-	-	-
Cash and Short Term Investments	7.80	9.00	5.72	5.15	4.69
Accounts Receivable - Trade, Net	2,028.60	1,933.50	1,876.72	1,815.89	1,737.80
Receivables - Other	-	-	-	-	-
Total Receivables, Net	2,029.20	1,934.60	1,876.72	1,816.41	1,738.20
Total Inventory	-	-	-	-	-
Prepaid Expenses	-	-	-	-	-
Other Current Assets, Total	-	-	-	-	-
Total Current Assets	-	-	-	-	-
Property/Plant/Equipment, Total - Gross	-	-	-	-	-
Accumulated Depreciation, Total	-	-	-	-	-
Goodwill, Net	-	-	-	-	-
Intangibles, Net	-	-	-	-	-
Long Term Investments	-	-	-	-	-
Other Long Term Assets, Total	116.30	92.40	186.51	146.78	160.07
Total Assets	2,248.30	2,133.20	2,103.32	2,002.93	1,955.03
Accounts Payable	-	-	-	-	-
Accrued Expenses	-	-	-	-	-
Notes Payable/Short Term Debt	115.90	43.50	115.80	13.10	173.60
Current Port. of LT Debt/Capital Leases	-	-	-	-	-
Other Current liabilities, Total	25.00	6.30	9.99	5.90	13.02
Total Current Liabilities	-	-	-	-	-
Long Term Debt	1,240.10	1,207.30	1,146.26	1,118.95	959.13
Capital Lease Obligations	-	-	-	-	-
Total Long Term Debt	1,240.10	1,207.30	1,146.26	1,118.95	959.13
Total Debt	1,356.00	1,250.80	1,262.06	1,132.05	1,132.73
Deferred Income Tax	137.50	148.40	135.33	134.45	129.39
Minority Interest	-	-	-	-	-
Other Liabilities, Total	-	-	-	-	-
Total Liabilities	1,623.70	1,511.30	1,505.52	1,462.57	1,382.47
Redeemable Preferred Stock, Total	0.00	0.00	0.00	0.00	0.00
Preferred Stock - Non Redeemable, Net	-	-	-	-	-
Common Stock, Total	0.20	0.20	0.25	0.24	0.26
Additional Paid-In Capital	54.50	53.40	49.45	44.95	40.76
Retained Earnings (Accumulated Deficit)	569.90	568.40	548.10	495.15	531.54
Treasury Stock - Common	-	-	-	-	-
Other Equity, Total	0.00	-0.10	0.00	0.02	0.01
Total Equity	624.60	621.90	597.80	540.36	572.57
Total Liabilities & Shareholders' Equity	2,248.30	2,133.20	2,103.32	2,002.93	1,955.03
Shares Outs - Common Stock Primary Issue	-	-	-	-	-
Total Common Shares Outstanding	23.59	24.11	24.55	24.54	25.63

In Millions of USD (except for per share items)	As of 2012-12-31	As of 2011-12-31	As of 2010-12-31	As of 2009-12-31
Cash & Equivalents	9.00	4.66	3.79	2.17
Short Term Investments	-	-	-	-
Cash and Short Term Investments	9.00	4.66	3.79	2.17
Accounts Receivable - Trade, Net	1,933.50	1,598.57	1,218.01	1,050.01
Receivables - Other	-	-	-	-
Total Receivables, Net	1,934.60	1,599.08	1,230.02	1,053.97
Total Inventory	-	-	-	-
Prepaid Expenses	-	-	-	-
Other Current Assets, Total	-	-	-	-
Total Current Assets	-	-	-	-
Property/Plant/Equipment, Total - Gross	61.80	54.69	50.68	51.85
Accumulated Depreciation, Total	-39.60	-36.22	-34.37	-33.12
Goodwill, Net	-	-	-	-
Intangibles, Net	-	-	-	-
Long Term Investments	-	-	-	-
Other Long Term Assets, Total	92.40	104.68	66.54	82.46
Total Assets	2,133.20	1,758.60	1,343.52	1,176.24
Accounts Payable	-	-	-	-
Accrued Expenses	-	-	-	-
Notes Payable/Short Term Debt	43.50	43.90	136.70	97.30
Current Port. of LT Debt/Capital Leases	-	-	-	-
Other Current liabilities, Total	6.30	1.49	0.00	0.00
Total Current Liabilities	-	-	-	-
Long Term Debt	1,207.30	953.95	548.97	409.68
Capital Lease Obligations	-	-	-	-
Total Long Term Debt	1,207.30	953.95	548.97	409.68
Total Debt	1,250.80	997.85	685.67	506.98
Deferred Income Tax	148.40	123.45	108.08	93.75
Minority Interest	-	-	-	-
Other Liabilities, Total	-	-	-	-
Total Liabilities	1,511.30	1,218.65	869.04	678.03
Redeemable Preferred Stock, Total	-	-	-	-
Preferred Stock - Non Redeemable, Net	-	-	-	-
Common Stock, Total	0.20	0.26	0.27	0.31
Additional Paid-In Capital	53.40	38.80	30.98	24.37
Retained Earnings (Accumulated Deficit)	568.40	500.89	443.33	474.43
Treasury Stock - Common	-	-	-	-
Other Equity, Total	-0.10	0.01	-0.11	-0.90
Total Equity	621.90	539.95	474.47	498.21
Total Liabilities & Shareholders' Equity	2,133.20	1,758.60	1,343.52	1,176.24
Shares Outs - Common Stock Primary Issue	-	-	-	-
Total Common Shares Outstanding	24.11	25.62	27.30	31.04

In Millions of USD (except for per share items)	3 months ending 2013-03-31	12 months ending 2012-12-31	9 months ending 2012-09-30	6 months ending 2012-06-30	3 months ending 2012-03-31
Net Income/Starting Line	60.60	219.70	159.84	106.85	50.34
Depreciation/Depletion	1.40	5.10	3.69	2.49	1.24
Amortization	1.80	7.10	5.13	3.33	1.60
Deferred Taxes	-11.00	25.00	11.88	10.99	5.93
Non-Cash Items	7.30	36.20	26.33	12.52	6.07
Changes in Working Capital	20.80	15.50	11.64	15.40	24.09
Cash from Operating Activities	80.90	308.60	218.51	151.58	89.27
Capital Expenditures	-1.20	-8.80	-7.09	-6.01	-3.93
Other Investing Cash Flow Items, Total	-126.20	-392.10	-358.08	-249.03	-199.86
Cash from Investing Activities	-127.40	-400.90	-365.17	-255.04	-203.79
Financing Cash Flow Items	-0.20	-4.50	-4.13	-2.17	-0.52
Total Cash Dividends Paid	-	-	-	-	-
Issuance (Retirement) of Stock, Net	-59.70	-151.90	-112.43	-28.12	-19.83
Issuance (Retirement) of Debt, Net	105.20	253.00	264.29	134.25	134.91
Cash from Financing Activities	45.30	96.60	147.73	103.95	114.56
Foreign Exchange Effects	-	-	-	-	-
Net Change in Cash	-1.20	4.30	1.07	0.49	0.03
Cash Interest Paid, Supplemental	22.20	56.20	49.79	27.57	13.41
Cash Taxes Paid, Supplemental	25.70	92.40	68.90	44.09	9.66

In Millions of USD (except for per share items)	12 months ending 2012-12-31	12 months ending 2011-12-31	12 months ending 2010-12-31	12 months ending 2009-12-31
Net Income/Starting Line	219.70	188.00	170.08	146.25
Depreciation/Depletion	5.10	4.10	4.44	5.14
Amortization	7.10	5.90	6.64	4.52
Deferred Taxes	25.00	15.30	13.86	17.74
Non-Cash Items	36.20	30.90	15.59	-5.26
Changes in Working Capital	15.50	31.50	-9.91	-8.04
Cash from Operating Activities	308.60	275.70	200.70	160.36
Capital Expenditures	-8.80	-6.30	-3.44	-2.92
Other Investing Cash Flow Items, Total	-392.10	-447.70	-159.81	-21.84
Cash from Investing Activities	-400.90	-454.00	-163.25	-24.76
Financing Cash Flow Items	-4.50	-5.00	-14.56	-3.24
Total Cash Dividends Paid	-	-	-	-
Issuance (Retirement) of Stock, Net	-151.90	-127.90	-199.34	1.40
Issuance (Retirement) of Debt, Net	253.00	312.10	178.08	-134.74
Cash from Financing Activities	96.60	179.20	-35.82	-136.57
Foreign Exchange Effects	-	-	0.00	-0.01
Net Change in Cash	4.30	0.90	1.62	-0.98
Cash Interest Paid, Supplemental	56.20	51.40	42.55	27.56
Cash Taxes Paid, Supplemental	92.40	76.50	81.75	67.56