Credit Acceptance Corporation (CACC)

Credit Acceptance Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	501.9	423.9	247.9	286.1	535.8	958.3
Depreciation & Amortization	24.2	26.6	27.8	26.6	25.6	26.3
Provision for Credit Losses	580.4	616.1	814.7	736.2	481.4	8.4
Stock-Based Compensation	45.1	50.7	45	39.1	36.5	24.8
Change in Accounts Payable	41.2	82.9	6.8	49.7	67.9	-10.7
Change in Income Taxes	-8.5	-180.2	36.3	82.9	102.8	37.8
Change in Other Net Operating Assets	-2.3	-1	5.3	18.8	-3.9	-19.8
Other Operating Activities	43	35.6	-69.6	-35.6	-7.4	44.3
Operating Cash Flow	1,225	1,055	1,138	1,204	1,239	1,069
Operating Cash Flow Growth	10.38%	-7.32%	-5.47%	-2.82%	15.83%	8.55%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-3.9	-1.6	-1.8	-4	-3.1	-7.6
Sale of Property, Plant & Equipment	-	-	3.2	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-537.7	-675	-1,710	-1,394	-442.8	443.2
Other Investing Activities	-10.4	2.3	-12.8	-19	-14.7	1.7
Investing Cash Flow	-552	-674.3	-1,721	-1,417	-460.6	437.3

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	4,023	9,745	10,794	8,165	3,393
Long-Term Debt Repaid	-	-4,027	-8,452	-10,303	-8,194	-3,385
Net Debt Issued (Repaid)	-193.6	-3.9	1,294	490.5	-29	8.5
Issuance of Common Stock	107.5	23.5	15.6	5.2	15.1	11.8
Repurchase of Common Stock	-619.1	-725.4	-313.3	-202.6	-784.5	-1,472
Other Financing Activities	-39.5	-18.8	-38.7	-26.9	3.8	-17.2
Financing Cash Flow	-744.7	-724.6	957.3	266.2	-794.6	-1,469

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-71.7	-344.3	374.1	53.2	-16.5	38

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	1,221	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Growth	10.20%	-7.31%	-5.31%	-2.90%	16.37%	8.71%
Free Cash Flow Margin	93.69%	85.04%	122.40%	133.43%	104.32%	63.08%
Free Cash Flow Per Share	110.36	90.38	91.11	92.22	90.69	65.95

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	428.2	438.4	393.4	242.1	147.3	149.4
Cash Income Tax Paid	109.7	279.3	103.7	31.9	72.7	213.2

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: May 5, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

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