Company / Operating Cash Flow
CREDIT ACCEPTANCE CORP Operating Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Cash Flow
$1.1B
FY2025
5-year range
$1.1B / $1.2B
FY2021-FY2025
Trend
-7.3%
vs FY2024
Sector context
#99 of 413
Financials
What the data says
CREDIT ACCEPTANCE CORP's operating cash flow of $1.1B is higher than 76% of companies in the Financials sector (FY2025). Operating Cash Flow has declined for 3 consecutive years, from $1.2B in FY2022 to $1.1B in FY2025.
Based on SEC 10-K filings.
$1.1B in FY2025 with a 5-year CAGR of +1.4%. Top quartile in the Financials sector.
Declined from $1.2B to $1.1B over the past 2 years.
Financials sector context is included.
Operating Cash Flow over time
Growth rates
- 3-Year CAGR
- -5.2%
- 5-Year CAGR
- +1.4%
- 10-Year CAGR
- -
Sector benchmark
+65.7% above sector average
Key checks
Key Insights
- CREDIT ACCEPTANCE CORP's operating cash flow has declined for 3 consecutive years.
- 5-year CAGR of +1.4%, indicating consistent growth.
- In FY2025, operating cash flow decreased 7.3% year-over-year.
- Ranks #99 out of 413 companies in the Financials sector.
Company context
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.
Annual data
| Year | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $1.1B | -7.3% |
| FY2024 | $1.1B | -5.5% |
| FY2023 | $1.2B | -2.8% |
| FY2022 | $1.2B | +15.8% |
| FY2021 | $1.1B | +8.5% |
| FY2020 | $985.2M | +21.3% |
| FY2019 | $812.3M | +15.4% |
| FY2018 | $703.9M | +24.4% |
| FY2017 | $566.0M | +11.6% |
| FY2016 | $507.2M | +25.5% |
As of FY2025 · SEC 10-K · Updated Jul 2, 2026