Credit Acceptance Corporation (CACC)

Credit Acceptance Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	247.9	286.1	535.8	958.3	421
Depreciation & Amortization	27.8	26.6	25.6	26.3	23.8
Provision for Credit Losses	814.7	736.2	481.4	8.4	556.9
Stock-Based Compensation	45	39.1	36.5	24.8	6.2
Change in Accounts Payable	6.8	49.7	67.9	-10.7	-18.4
Change in Income Taxes	36.3	82.9	102.8	37.8	-80.8
Change in Other Net Operating Assets	5.3	18.8	-3.9	-19.8	1.5
Other Operating Activities	-69.6	-35.6	-7.4	44.3	75
Operating Cash Flow	1,138	1,204	1,239	1,069	985.2
Operating Cash Flow Growth	-5.47%	-2.82%	15.83%	8.55%	21.29%
Capital Expenditures	-1.8	-4	-3.1	-7.6	-8.5
Sale of Property, Plant & Equipment	3.2	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,710	-1,394	-442.8	443.2	-659.6
Other Investing Activities	-12.8	-19	-14.7	1.7	-5.4
Investing Cash Flow	-1,721	-1,417	-460.6	437.3	-673.5
Long-Term Debt Issued	9,745	10,794	8,165	3,393	8,176
Long-Term Debt Repaid	-8,452	-10,303	-8,194	-3,385	-8,109
Net Debt Issued (Repaid)	1,294	490.5	-29	8.5	67.1
Issuance of Common Stock	15.6	5.2	15.1	11.8	-
Repurchase of Common Stock	-313.3	-202.6	-784.5	-1,472	-480.8
Other Financing Activities	-38.7	-26.9	3.8	-17.2	-19.5
Financing Cash Flow	957.3	266.2	-794.6	-1,469	-433.2
Net Cash Flow	374.1	53.2	-16.5	38	-121.5
Free Cash Flow	1,136	1,200	1,236	1,062	976.7
Free Cash Flow Growth	-5.31%	-2.90%	16.37%	8.71%	24.34%
Free Cash Flow Margin	122.40%	133.43%	104.32%	63.07%	106.12%
Free Cash Flow Per Share	91.11	92.22	90.69	65.95	54.46
Cash Interest Paid	393.4	242.1	147.3	149.4	191.6
Cash Income Tax Paid	103.7	31.9	72.7	213.2	141.5

Source: S&P Capital IQ. Financial Services template. Financial Sources.