Credit Acceptance Cash Flow Statement
NASDAQ: CACCFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Credit Acceptance free cash flow
In fiscal 2025, Credit Acceptance generated $1.05 billion of operating cash flow and spent $1.6 million on capital expenditures. That left free cash flow of $1.05 billion, a free-cash-flow margin of 45.4% of revenue. Free cash flow was down 7.3% from the prior year's $1.14 billion.
Credit Acceptance returned $725.4 million to shareholders through share repurchases, equal to 69% of free cash flow.
Summary generated from market data by MetaCap's automated system. Methodology
Credit Acceptance cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 423.90M | 247.90M | 286.10M | 535.80M | 958.30M | 421.00M | 656.10M | 574.00M | 470.20M | 332.80M |
| Net Income growth (YoY) | +71.00% | -13.35% | -46.60% | -44.09% | +127.62% | -35.83% | +14.30% | +22.08% | +41.29% | +11.04% |
| Depreciation & Amortization | 3.60M | 6.70M | 8.90M | 9.00M | 9.70M | 8.80M | 7.30M | 5.40M | 6.00M | 6.10M |
| Stock-Based Compensation | 50.70M | 45.00M | 39.10M | 36.50M | 24.80M | 6.20M | 7.60M | 10.30M | 15.40M | 7.40M |
| Change in Working Capital | 81.90M | 12.10M | 68.50M | 64.00M | -30.50M | -16.90M | 23.30M | 37.20M | 3.80M | 5.90M |
| Operating Cash Flow | 1.05B | 1.14B | 1.20B | 1.24B | 1.07B | 985.20M | 812.30M | 703.90M | 566.00M | 507.20M |
| Capital Expenditures | -1.60M | -1.80M | -4.00M | -3.10M | -7.60M | -8.50M | -26.80M | -25.10M | -8.40M | -5.50M |
| Investing Cash Flow | -674.30M | -1.72B | -1.42B | -460.60M | 437.30M | -673.50M | -1.02B | -1.24B | -871.80M | -878.20M |
| Share Repurchases | -725.40M | -313.30M | -202.60M | -784.50M | -1.47B | -480.80M | -300.40M | -129.10M | -123.50M | -121.70M |
| Debt Issued | 500.00M | 0 | 600.00M | 0 | 0 | 0 | 800.00M | 0 | 0 | 0 |
| Debt Repaid | -400.00M | 0 | -400.00M | 0 | 0 | -401.80M | -148.20M | 0 | 0 | 0 |
| Financing Cash Flow | -724.60M | 957.30M | 266.20M | -794.60M | -1.47B | -433.20M | 400.30M | 599.90M | 330.30M | 436.60M |
| Net Change in Cash | -344.30M | 374.10M | 53.20M | -16.50M | 38.00M | -121.50M | 188.40M | 65.50M | 24.50M | 65.60M |
| Free Cash Flow | 1.05B | 1.14B | 1.20B | 1.24B | 1.06B | 976.70M | 785.50M | 678.80M | 557.60M | 501.70M |
This table shows 10 annual periods of Credit Acceptance's cash flow statement, from FY 2025 back to FY 2016, across 13 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow CACC's reporting calendar. What is a cash flow statement?