Credit Acceptance Corporation (CACC)
NASDAQ: CACC · Real-Time Price · USD
464.68
+3.75 (0.81%)
At close: Dec 5, 2025, 4:00 PM EST
464.00
-0.68 (-0.15%)
After-hours: Dec 5, 2025, 4:22 PM EST
Credit Acceptance Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| TTM
| FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
| Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
| Net Income | 453.8 | 247.9 | 286.1 | 535.8 | 958.3 | 421 | |
| Depreciation & Amortization | 27.4 | 27.8 | 26.6 | 25.6 | 26.3 | 23.8 | |
| Provision for Credit Losses | 609.9 | 814.7 | 736.2 | 481.4 | 8.4 | 556.9 | |
| Stock-Based Compensation | 50.5 | 45 | 39.1 | 36.5 | 24.8 | 6.2 | |
| Change in Accounts Payable | 49 | 6.8 | 49.7 | 67.9 | -10.7 | -18.4 | |
| Change in Income Taxes | 28.4 | 36.3 | 82.9 | 102.8 | 37.8 | -80.8 | |
| Change in Other Net Operating Assets | -4 | 5.3 | 18.8 | -3.9 | -19.8 | 1.5 | |
| Other Operating Activities | -123.5 | -69.6 | -35.6 | -7.4 | 44.3 | 75 | |
| Operating Cash Flow | 1,092 | 1,138 | 1,204 | 1,239 | 1,069 | 985.2 | |
| Operating Cash Flow Growth | -4.50% | -5.47% | -2.82% | 15.83% | 8.55% | 21.29% | |
| Capital Expenditures | -1.9 | -1.8 | -4 | -3.1 | -7.6 | -8.5 | |
| Sale of Property, Plant & Equipment | - | 3.2 | - | - | - | - | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -803.9 | -1,710 | -1,394 | -442.8 | 443.2 | -659.6 | |
| Other Investing Activities | 5.2 | -12.8 | -19 | -14.7 | 1.7 | -5.4 | |
| Investing Cash Flow | -800.6 | -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) | 113.6 | 1,294 | 490.5 | -29 | 8.5 | 67.1 | |
| Issuance of Common Stock | 23 | 15.6 | 5.2 | 15.1 | 11.8 | - | |
| Repurchase of Common Stock | -595.4 | -313.3 | -202.6 | -784.5 | -1,472 | -480.8 | |
| Other Financing Activities | -49.6 | -38.7 | -26.9 | 3.8 | -17.2 | -19.5 | |
| Financing Cash Flow | -508.4 | 957.3 | 266.2 | -794.6 | -1,469 | -433.2 | |
| Net Cash Flow | -217.5 | 374.1 | 53.2 | -16.5 | 38 | -121.5 | |
| Free Cash Flow | 1,090 | 1,136 | 1,200 | 1,236 | 1,062 | 976.7 | |
| Free Cash Flow Growth | -4.43% | -5.31% | -2.90% | 16.37% | 8.71% | 24.34% | |
| Free Cash Flow Margin | 88.38% | 122.40% | 133.43% | 104.32% | 63.08% | 106.12% | |
| Free Cash Flow Per Share | 90.97 | 91.11 | 92.22 | 90.69 | 65.95 | 54.45 | |
| Cash Interest Paid | 437.2 | 393.4 | 242.1 | 147.3 | 149.4 | 191.6 | |
| Cash Income Tax Paid | 233.8 | 103.7 | 31.9 | 72.7 | 213.2 | 141.5 | |
Source: S&P Capital IQ. Financial Services template.
Financial Sources.