Credit Acceptance Corporation (CACC) quarterly cash flow statement — complete operating, investing & financing history
Credit Acceptance Corporation (CACC) cash flow statement — 30-year operating, investing & financing cash flows
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Cash from Operations | 656.3M | 346.8M | 269.3M | 299.4M | 139.7M | 346.2M | 306.2M | 317.7M | 204M | 310M | 311.2M | 313.4M | 282.7M | 296.5M | 286.8M | 326.3M | 249.5M | 376.1M | 131.1M | 269.8M |
| Operating CF Growth % | 369.79% | 0.17% | -12.05% | -5.76% | -31.52% | 11.68% | -1.61% | 1.37% | -27.84% | 4.55% | 8.51% | -3.95% | 13.31% | -21.16% | 118.76% | 20.94% | -27.32% | 15.65% | -35.16% | -2.49% |
| Net Income | 271.7M | 135.8M | 122M | 108.2M | 87.4M | 106.3M | 151.9M | 78.8M | -47.1M | 64.3M | 93.6M | 70.8M | 22.2M | 99.5M | 127.3M | 86.8M | 107.4M | 214.3M | 217.6M | 250M |
| Depreciation & Amortization | 11.3M | 700K | 6.1M | 6.8M | 6.8M | 6.9M | 6.9M | 6.9M | 6.9M | 7.1M | 6.7M | 7.1M | 6.4M | 6.4M | 6.3M | 6.2M | 6.5M | 6.6M | 6.6M | 6.8M |
| Deferred Taxes | -4.5M | 2.8M | 55.8M | -7.9M | -14.9M | 1.6M | -103.8M | 13.1M | -11.6M | 31.9M | -73.1M | 13.3M | -2.4M | 24.2M | -11.5M | -1.9M | -5.3M | 11M | 48.8M | -15.1M |
| Other Non-Cash Items | 298.7M | 144.7M | 129.8M | 151.9M | 172.5M | 163.3M | 123.7M | 184.8M | 344.3M | 186.4M | 165.6M | 184.7M | 250.6M | 137.7M | 130.5M | 180.3M | 147.5M | 23.4M | 25.8M | -8.4M |
| Working Capital Changes | 59.1M | 51.5M | -57M | 28.3M | -124.8M | 55.2M | 114.7M | 23.4M | -99.1M | 9.4M | 108.3M | 28.2M | -3.9M | 18.8M | 24.6M | 46.2M | -15.7M | 111.7M | -187.1M | 21.3M |
| Cash from Investing | -363.5M | -192.1M | -60.9M | -127.6M | -194.2M | -291.6M | -187.2M | -424M | -526M | -583.9M | -344.9M | -359.9M | -367.8M | -344.2M | -121.5M | -172.7M | -147.9M | -18.5M | 223.1M | 192.6M |
| Purchase of Investments | -2.11B | -21.1M | -11M | -13.1M | -8.9M | -10.3M | -7.3M | -17.4M | -12.6M | -21.7M | -8.6M | 0 | 0 | -11.4M | -11.9M | -13.8M | -13M | -11.4M | -7.4M | -6.2M |
| Sale/Maturity of Investments | 1.84B | 17.1M | 13.8M | 11.7M | 11.3M | 8.8M | 13M | 12.3M | 6.5M | 14.4M | 400K | 3.9M | 1.7M | 8.1M | 8M | 10.2M | 7.5M | 3.4M | 1.4M | 2.1M |
| Net Investment Activity | -270M | -4M | 2.8M | -1.4M | 2.4M | -1.5M | 5.7M | -5.1M | -6.1M | -7.3M | -8.2M | 3.9M | 1.7M | -3.3M | -3.9M | -3.6M | -5.5M | -8M | -6M | -4.1M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.2M | 0 | 8.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -90.6M | -186.8M | -63.3M | -125.6M | -196.3M | -289.8M | -192.2M | -418.5M | -522.7M | -576.3M | -343.6M | -363.9M | -368M | -340M | -116.4M | -168.2M | -143.1M | -8.8M | 230.6M | 199.7M |
| Cash from Financing | -301.4M | -104M | -206.5M | -236.8M | -502.3M | 221M | 9.7M | 305M | 272M | 370.6M | 66.4M | 72.7M | 9M | 118.1M | -143M | -189M | -169.5M | -293.1M | -362.3M | -881M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -320.3M | -178.9M | -191.4M | -107.4M | -262.2M | -164.4M | -61.4M | 0 | -60.8M | -191.1M | -53.6M | -126.3M | -7.8M | -14.9M | -105.3M | -26.5M | -229.7M | -423M | -377.9M | -704.2M |
| Stock Issued | 95.1M | 23M | 0 | 10.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -225.2M | -155.9M | -191.4M | -96.5M | -262.2M | -164.4M | -61.4M | 0 | -60.8M | -191.1M | -53.6M | -126.3M | -7.8M | -14.9M | -105.3M | -26.5M | -229.7M | -423M | -377.9M | -704.2M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K |
| Other Financing | -146.7M | 1.8M | 1.2M | -32.5M | -400K | 29.1M | -27.5M | 1.9M | -10.8M | 15.9M | -18.2M | 4.6M | -11.4M | 3.3M | -3.5M | 6.3M | 6.2M | 9.9M | 7.5M | -1.3M |
| Net Change in Cash | -8.6M | 50.7M | 1.9M | -65M | -556.8M | 275.6M | 128.7M | 198.7M | -50M | 96.7M | 32.7M | 26.2M | -76.1M | 70.4M | 22.3M | -35.4M | -67.9M | 64.5M | -8.1M | -418.6M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 500.7M | 500.7M | 498.8M | 563.8M | 1.12B | 845M | 716.3M | 517.6M | 567.6M | 470.9M | 438.2M | 412M | 488.1M | 417.7M | 395.4M | 430.8M | 498.7M | 434.2M | 442.3M | 860.9M |
| Cash at End | 492.1M | 551.4M | 500.7M | 498.8M | 563.8M | 1.12B | 845M | 716.3M | 517.6M | 567.6M | 470.9M | 438.2M | 412M | 488.1M | 417.7M | 395.4M | 430.8M | 498.7M | 434.2M | 442.3M |
| Interest Paid | 109.5M | 97.7M | 114.6M | 106.4M | 117.9M | 99.5M | 113.4M | 97.4M | 104.7M | 77.9M | 69.4M | 65.2M | 56.9M | 50.6M | 42.2M | 38.3M | 33.2M | 33.6M | 33.5M | 37.6M |
| Income Taxes Paid | 13.5M | 300K | 47.2M | 48.7M | 176.9M | 6.5M | -102M | 800K | 96M | 5.2M | 12.2M | 1.4M | 14.9M | 3.4M | 22.7M | 12.1M | 37.3M | 600K | 100.9M | 44.4M |
| Free Cash Flow | 653.4M | 345.5M | 268.9M | 298.8M | 139.4M | 345.9M | 305.5M | 317.3M | 203.6M | 309.7M | 309.5M | 313.5M | 281.2M | 295.6M | 285.6M | 325.4M | 250.2M | 374.4M | 129.6M | 266.8M |
| FCF Growth % | 368.72% | -0.12% | -11.98% | -5.83% | -31.53% | 11.69% | -1.29% | 1.21% | -27.6% | 4.77% | 8.37% | -3.66% | 12.39% | -21.05% | 120.37% | 21.96% | -26.63% | 15.41% | -35.65% | -3.09% |