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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	337.1	423.9	247.9	286.1	535.8	958.3
Depreciation & Amortization	23	26.6	27.8	26.6	25.6	26.3
Provision for Credit Losses	839.3	616.1	814.7	736.2	481.4	8.4
Stock-Based Compensation	43.6	50.7	45	39.1	36.5	24.8
Change in Accounts Payable	34.3	82.9	6.8	49.7	67.9	-10.7
Change in Income Taxes	-55.6	-180.2	36.3	82.9	102.8	37.8
Change in Other Net Operating Assets	-0.9	-1	5.3	18.8	-3.9	-19.8
Other Operating Activities	40.3	35.6	-69.6	-35.6	-7.4	44.3
Operating Cash Flow	1,261	1,055	1,138	1,204	1,239	1,069
Operating Cash Flow Growth	15.54%	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-4.7	-1.6	-1.8	-4	-3.1	-7.6
Sale of Property, Plant & Equipment	-	-	3.2	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-991	-675	-1,710	-1,394	-442.8	443.2
Other Investing Activities	-24.1	2.3	-12.8	-19	-14.7	1.7
Investing Cash Flow	-1,020	-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	Sep 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)	350.2	-3.9	1,294	490.5	-29	8.5
Issuance of Common Stock	106.7	23.5	15.6	5.2	15.1	11.8
Repurchase of Common Stock	-673.3	-725.4	-313.3	-202.6	-784.5	-1,472
Other Financing Activities	-5.5	-18.8	-38.7	-26.9	3.8	-17.2
Financing Cash Flow	-221.9	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	19.4	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	1,256	1,053	1,136	1,200	1,236	1,062
Free Cash Flow Growth	15.31%	-7.31%	-5.31%	-2.90%	16.37%	8.71%
Free Cash Flow Margin	117.88%	85.04%	122.40%	133.43%	104.32%	63.08%
Free Cash Flow Per Share	115.56	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	417	438.4	393.4	242.1	147.3	149.4
Cash Income Tax Paid	103.1	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: Oct 29, 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:

Nov 4, 2026

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