Credit Acceptance Corporation (CACC)
NASDAQ: CACC · Real-Time Price · USD
558.55
+5.82 (1.05%)
Jul 28, 2026, 4:00 PM EDT - Market closed
Credit Acceptance Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 453.4 | 423.9 | 247.9 | 286.1 | 535.8 | 958.3 |
Depreciation & Amortization | 25.6 | 26.6 | 27.8 | 26.6 | 25.6 | 26.3 |
Provision for Credit Losses | 593.8 | 616.1 | 814.7 | 736.2 | 481.4 | 8.4 |
Stock-Based Compensation | 49.1 | 50.7 | 45 | 39.1 | 36.5 | 24.8 |
Other Adjustments | 35.3 | 35.6 | -45.9 | -35.6 | -7.1 | 44.3 |
Changes in Accounts Payable | 69 | 82.9 | 6.8 | 49.7 | 67.9 | -10.7 |
Changes in Other Operating Activities | -171 | -181.2 | 41.6 | 101.7 | 98.9 | 18 |
Operating Cash Flow | 1,055 | 1,055 | 1,138 | 1,204 | 1,239 | 1,069 |
Operating Cash Flow Growth | -10.13% | -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 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | -572 | -675 | -1,710 | -1,394 | -442.8 | 443.2 |
Net Change in Securities and Investments | -0.2 | 2.3 | -12.8 | -19 | -14.7 | 1.7 |
Capital Expenditures | -2.6 | -1.6 | -1.8 | -4 | -3.1 | -7.6 |
Sale of Property, Plant & Equipment | - | - | 3.2 | - | - | - |
Investing Cash Flow | -574.8 | -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 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | 3,792 | 2,121 | 6,126 | 7,432 | 6,623 | 1,563 |
Short-Term Debt Repaid | -3,573 | -2,014 | -6,205 | -7,384 | -6,594 | -1,656 |
Net Short-Term Debt Issued (Repaid) | 218.2 | 107.2 | -79.1 | 48.3 | 28.3 | -93.3 |
Long-Term Debt Issued | 1,002 | 1,902 | 3,619 | 3,362 | 1,542 | 1,831 |
Long-Term Debt Repaid | -1,530 | -2,013 | -2,247 | -2,920 | -1,599 | -1,745 |
Net Long-Term Debt Issued (Repaid) | -528.3 | -111.1 | 1,373 | 442.2 | -57.3 | 85.4 |
Issuance of Common Stock | 40.9 | 23.5 | 15.6 | 5.2 | 15.1 | 11.8 |
Repurchase of Common Stock | -739.9 | -725.4 | -313.3 | -202.6 | -784.5 | -1,472 |
Net Common Stock Issued (Repurchased) | -699 | -701.9 | -297.7 | -197.4 | -769.4 | -1,460 |
Other Financing Activities | -40.5 | -18.8 | -38.7 | -26.9 | 3.8 | -2.2 |
Financing Cash Flow | -1,050 | -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 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -569.2 | -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 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 1,053 | 1,053 | 1,136 | 1,200 | 1,236 | 1,062 |
Free Cash Flow Growth | -10.21% | -7.31% | -5.31% | -2.90% | 16.37% | 8.71% |
FCF Margin | 60.76% | 61.90% | 84.30% | 102.92% | 91.46% | 57.47% |
Free Cash Flow Per Share | 92.94 | 90.38 | 91.11 | 92.22 | 90.69 | 65.95 |