Credit Acceptance Quarterly Cash Flow Statement
NASDAQ: CACCFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Credit Acceptance free cash flow
In the quarter ended Jun 30, 2026, Credit Acceptance generated $309.5 million of operating cash flow and spent $1.6 million on capital expenditures. That left free cash flow of $307.9 million, a free-cash-flow margin of 52.4% of revenue. Free cash flow was up 120.9% from the prior year's $139.4 million.
Credit Acceptance returned $141.4 million to shareholders through share repurchases, equal to 46% of free cash flow.
Summary generated from market data by MetaCap's automated system. Methodology
Credit Acceptance cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 135.90M | 135.80M | 122.00M | 108.20M | 87.40M | 106.30M | 151.90M | 78.80M | -47.10M | 64.30M | 93.60M | 70.80M |
| Net Income growth (YoY) | +55.49% | +27.75% | -19.68% | +37.31% | — | +65.32% | +62.29% | +11.30% | -312.16% | -35.38% | -26.47% | -18.43% |
| Depreciation & Amortization | 700.00K | 700.00K | 700.00K | 800.00K | 900.00K | 1.20M | 1.20M | 1.30M | 2.00M | 2.20M | 2.30M | 2.20M |
| Stock-Based Compensation | 8.70M | 11.30M | 13.00M | 12.10M | 12.70M | 12.90M | 12.80M | 10.70M | 10.60M | 10.90M | 10.10M | 9.30M |
| Change in Working Capital | -17.70M | 13.70M | 12.40M | 30.50M | 8.40M | 30.60M | -24.50M | 9.90M | -1.00M | 27.70M | 26.90M | 19.40M |
| Operating Cash Flow | 309.50M | 346.80M | 269.30M | 299.40M | 139.70M | 346.20M | 306.20M | 317.70M | 204.00M | 310.00M | 311.20M | 313.40M |
| Capital Expenditures | -1.60M | -1.30M | -400.00K | -600.00K | -300.00K | -300.00K | -700.00K | -400.00K | -400.00K | -300.00K | -1.70M | 100.00K |
| Investing Cash Flow | -171.40M | -192.10M | -60.90M | -127.60M | -194.20M | -291.60M | -187.20M | -424.00M | -526.00M | -583.90M | -344.90M | -359.90M |
| Share Repurchases | -141.40M | -178.90M | -191.40M | -107.40M | -262.20M | -164.40M | -61.40M | 0 | -60.80M | -191.10M | -53.60M | -126.30M |
| Debt Issued | 0 | 0 | 0 | 0 | 0 | 500.00M | 0 | 0 | 0 | 0 | — | — |
| Debt Repaid | 0 | 0 | 0 | 0 | 0 | -400.00M | 0 | 0 | 0 | 0 | — | — |
| Financing Cash Flow | -197.40M | -104.00M | -206.50M | -236.80M | -502.30M | 221.00M | 9.70M | 305.00M | 272.00M | 370.60M | 66.40M | 72.70M |
| Net Change in Cash | -59.30M | 50.70M | 1.90M | -65.00M | -556.80M | 275.60M | 128.70M | 198.70M | -50.00M | 96.70M | 32.70M | 26.20M |
| Free Cash Flow | 307.90M | 345.50M | 268.90M | 298.80M | 139.40M | 345.90M | 305.50M | 317.30M | 203.60M | 309.70M | 309.50M | 313.50M |
This table shows 12 quarterly periods of Credit Acceptance's cash flow statement, from Q2 2026 back to Q3 2023, 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?