CREDIT ACCEPTANCE CORP Cash Flow Statement
CACC / Financials|15 years of annual SEC 10-K data (FY2011-FY2025)
Covers operating cash flow, capital expenditures, free cash flow, share buybacks, and dividends paid across 15 fiscal years. All figures from audited SEC 10-K filings.
CREDIT ACCEPTANCE CORP generated $1.1B in operating cash flow and $1.1B in free cash flow in FY2025. Free cash flow margin was 45.4% of revenue.
Based on SEC 10-K filings.
Key Data Points
- Altman Z-Score 0.47 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
| Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M | $421.0M | $656.1M | $574.0M | $470.2M | $332.8M | $299.7M | $266.2M | $188.0M | $170.1M | $188.0M |
| Depreciation & Amortization | $3.6M | $6.7M | $8.9M | $9.0M | $9.7M | $8.8M | $7.3M | $5.4M | $6.0M | $6.1M | - | - | $4.1M | $4.4M | - |
| Operating Cash Flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B | $985.2M | $812.3M | $703.9M | $566.0M | $507.2M | $404.2M | $365.2M | $275.7M | $200.7M | $275.7M |
| Capital Expenditures | $1.6M | $1.8M | $4.0M | $3.1M | $7.6M | $8.5M | $26.8M | $25.1M | $8.4M | $5.5M | $4.0M | $4.3M | $6.3M | $3.5M | $6.3M |
| Free Cash Flow | $1.1B | $1.1B | $1.2B | $1.2B | $1.1B | $976.7M | $785.5M | $678.8M | $557.6M | $501.7M | $400.2M | $360.9M | $269.4M | $197.2M | $269.4M |
| Share Buybacks | $725.4M | $313.3M | $202.6M | $784.5M | $1.5B | $480.8M | $300.4M | $129.1M | $123.5M | $121.7M | $86.5M | $343.7M | $130.8M | $202.2M | $130.8M |
| FCF Margin | 45.4% | 52.5% | 63.1% | 67.4% | 57.2% | 58.5% | 52.8% | 52.8% | 50.2% | 51.8% | 48.5% | 49.9% | 51.3% | 44.6% | 51.3% |