Financial Statements — CACC
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.03 | 0.02 | 0.07 | 0.53 | 0.16 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.02 | 0.01 | 0.38 | 0.05 |
| Net Loans & Leases | 7.96 | 7.98 | 8.00 | 7.98 | 7.78 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 8.69 | 8.64 | 8.72 | 9.26 | 8.68 | 8.26 | 8.10 | 7.40 | 7.21 | 7.15 | 6.89 | 6.98 | 7.04 | 7.20 | 7.80 | 7.71 |
| Total Liabilities | 7.18 | 7.06 | 7.17 | 7.55 | 7.04 | 6.70 | 6.44 | 5.70 | 5.46 | 5.43 | 5.30 | 5.46 | 5.41 | 5.25 | 5.41 | 5.34 |
| Retained Earnings | 1.08 | 1.19 | 1.18 | 1.36 | 1.32 | 1.24 | 1.35 | 1.43 | 1.49 | 1.47 | 1.36 | 1.30 | 1.42 | 1.79 | 2.24 | 2.21 |
| Total Stockholder Equity | 1.51 | 1.58 | 1.55 | 1.71 | 1.65 | 1.55 | 1.65 | 1.70 | 1.75 | 1.72 | 1.59 | 1.52 | 1.63 | 1.95 | 2.39 | 2.37 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest Expense | 108.40 | 113.80 | 116.30 | 118.10 | 114.70 | 111.30 | 111.20 | 104.50 | 92.50 | 78.80 | 70.50 | 62.80 | 54.40 | 49.40 | 41.80 | 38.90 | 36.50 | 38.60 | 39.80 | 42.00 |
| Provision for Credit Losses | 139.60 | 129.60 | 152.00 | 172.60 | 161.90 | 123.40 | 184.70 | 320.60 | 186.00 | 163.70 | 184.60 | 250.50 | 137.40 | 130.30 | 180.30 | 147.50 | 23.30 | 25.90 | (8.30) | (30.50) |
| Pretax Income | 175.00 | 157.00 | 148.90 | 117.80 | 141.70 | 191.90 | 106.50 | (55.30) | 86.40 | 116.40 | 96.50 | 27.90 | 126.80 | 163.00 | 122.10 | 142.10 | 284.50 | 284.70 | 332.20 | 379.70 |
| Tax Provision | 39.20 | 35.00 | 40.70 | 30.40 | 35.40 | 40.00 | 27.70 | (8.20) | 22.10 | 22.80 | 25.70 | 5.70 | 27.30 | 35.70 | 35.30 | 34.70 | 70.20 | 67.10 | 82.20 | 91.10 |
| Net Income | 135.80 | 122.00 | 108.20 | 87.40 | 106.30 | 151.90 | 78.80 | (47.10) | 64.30 | 93.60 | 70.80 | 22.20 | 99.50 | 127.30 | 86.80 | 107.40 | 214.30 | 217.60 | 250.00 | 288.60 |
| Basic EPS | 12.64 | 11.06 | 9.62 | 7.55 | 8.79 | 12.38 | 6.42 | (3.83) | 5.15 | 7.30 | 5.47 | 1.70 | 7.62 | 9.96 | 6.53 | 7.99 | 15.02 | 14.70 | 15.83 | 17.19 |
| Diluted EPS | 12.40 | 10.87 | 9.43 | 7.42 | 8.66 | 12.28 | 6.35 | (3.83) | 5.08 | 7.26 | 5.43 | 1.69 | 7.61 | 9.95 | 6.49 | 7.94 | 14.94 | 14.73 | 15.79 | 17.18 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 346.80 | 269.30 | 299.40 | 139.70 | 346.20 | 306.20 | 317.70 | 204.00 | 310.00 | 311.20 | 313.40 | 282.70 | 296.50 | 286.80 | 326.30 | 249.50 | 376.10 | 131.10 | 269.80 | 343.30 |
| Capital Expenditures | 1.30 | 0.40 | 0.60 | 0.30 | 0.30 | 0.70 | 0.40 | 0.40 | 0.30 | 1.70 | (0.10) | 1.50 | 0.90 | 1.20 | 0.90 | (0.70) | 1.70 | 1.50 | 3.00 | 2.30 |
| Free Cash Flow* | 345.50 | 268.90 | 298.80 | 139.40 | 345.90 | 305.50 | 317.30 | 203.60 | 309.70 | 309.50 | 313.50 | 281.20 | 295.60 | 285.60 | 325.40 | 250.20 | 374.40 | 129.60 | 266.80 | 341.00 |
| Investing Cash Flow | (192.10) | (60.90) | (127.60) | (194.20) | (291.60) | (187.20) | (424.00) | (526.00) | (583.90) | (344.90) | (359.90) | (367.80) | (344.20) | (121.50) | (172.70) | (147.90) | (18.50) | 223.10 | 192.60 | 134.20 |
| Financing Cash Flow | (104.00) | (206.50) | (236.80) | (502.30) | 221.00 | 9.70 | 305.00 | 272.00 | 370.60 | 66.40 | 72.70 | 9.00 | 118.10 | (143.00) | (189.00) | (169.50) | (293.10) | (362.30) | (881.00) | (200.80) |
* Derived from reported values
