CACC - NASDAQ
Credit Acceptance Corporation
$541.58
-3.6%Credit Acceptance Corporation provides financing programs, and related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers. It is also involved in the business of reinsuring coverage under vehicle service contracts sold to consumers by dealers on vehicles financed by the company. The company was founded in 1972 and is headquartered in Southfield, Michigan.
At a Glance
Live SnapshotCredit Acceptance Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Neutral working capital impact. Changes in current assets and liabilities balanced out.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Credit Acceptance Corporation Cash Flow Statement
CACC • NASDAQ
| Credit Acceptance Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
423.9M | 247.9M | 286.1M | 535.8M | 958.3M | 421M | 656.1M | 574M | 470.2M | 332.8M | 299.7M | 266.2M | 253.1M | 219.7M | 188M | 170.1M | 146.3M | 67.2M | 54.9M | 58.6M | |
3.6M | 27.8M | 26.6M | 25.6M | 26.3M | 23.8M | 22.4M | 19.5M | 16.4M | 15.3M | 14.2M | 13.2M | 13.2M | 12.2M | 10M | 11M | 5.1M | 9.6M | 4.1M | 4.6M | |
34.6M | -70.4M | -38M | -7.7M | 44.7M | 68.3M | 85.5M | 49.3M | -85.6M | 24.2M | 35.6M | 56.1M | 8.8M | 25M | 15.3M | 13.9M | 17.7M | 11.8M | 20.3M | 636K | |
50.7M | 45M | 39.1M | 36.5M | 24.8M | 6.2M | 7.6M | 10.3M | 15.4M | 7.4M | 12.4M | 15.3M | 8.5M | 12.2M | 1.9M | 4.1M | 6.8M | 4.3M | 4.7M | 87K | |
541.8M | 839.2M | 738.6M | 481.7M | 8M | 563.6M | 78M | 56.7M | 129.4M | 90.3M | 41.8M | 34.8M | 22M | 24M | 29M | 11.5M | -12.1M | 46.1M | 20.1M | 10.7M | |
(0.0) | (103.7M) | (31.9M) | (72.7M) | (213.2M) | (141.5M) | (172.4M) | (168.8M) | (175M) | (111.2M) | (146.9M) | (99.9M) | (119.6M) | (92.4M) | (76.5M) | (81.8M) | (67.6M) | (3.7M) | (14.5M) | (25.4M) | |
0.0 | 48.4M | 151.4M | 166.8M | 7.3M | -97.7M | -37.3M | -5.9M | 20.2M | 37.2M | 500K | -20.4M | 20.1M | 15.5M | 31.5M | -9.9M | -11.1M | 20.9M | -6.4M | 11.5M | |
1.1B | 1.1B | 1.2B | 1.2B | 1.1B | 985.2M | 812.3M | 703.9M | 566M | 507.2M | 404.2M | 365.2M | 325.7M | 308.6M | 275.7M | 200.7M | 152.8M | 159.8M | 97.8M | 86.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-1.6M | -1.8M | -4M | -3.1M | -7.6M | -8.5M | -26.8M | -25.1M | -8.4M | -5.5M | -4M | -4.3M | -5.6M | -8.8M | -6.3M | -3.5M | -2.9M | -6.3M | -7.7M | -1.5M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -85.2M | -44.2M | -44.3M | -58.5M | -71M | -70.1M | |
-43.3M | -59M | -43.3M | -50.1M | -38.8M | -43.2M | -40.1M | -43.8M | -34.5M | -39.1M | -34.1M | -65.4M | -105.7M | -57.1M | -500K | -1.1M | -1.5M | -1.5M | -550K | -795K | |
45.6M | 46.2M | 8.5M | 35.4M | 40.5M | 13M | 41M | 11.5M | 5.6M | 5.8M | 38.5M | 49.6M | 86.2M | 9.6M | 400K | 1.3M | 1.7M | 1.1M | 898K | 278K | |
-675M | -1.7B | -1.4B | -442.8M | 443.2M | -634.8M | -998.3M | -1.2B | -834.5M | -839.4M | -639.9M | -343.3M | -308.5M | -344.6M | -362.4M | -115.8M | 22.2M | -200.8M | -162.2M | -35.4M | |
-674.3M | -1.7B | -1.4B | -460.6M | (437.3M) | -673.5M | -1B | -1.2B | -871.8M | -878.2M | -639.5M | -363.4M | -333.6M | -400.9M | -454M | -163.3M | -24.8M | -266M | -240.5M | -107.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | -313.3M | -202.6M | -784.5M | -1.5B | -480.8M | -300.4M | -129.1M | -123.5M | -121.7M | -86.5M | -343.7M | -135.2M | -152.5M | -130.8M | -202.2M | -541K | -66K | -9.5M | -247.2M | |
0.0 | 1.3B | 490.5M | -29M | 8.5M | 67.1M | 726.8M | 749.7M | 470.9M | 535.8M | 332M | 364.1M | 141.9M | 253M | 312.1M | 178.1M | -134.7M | 109.6M | 139.4M | 244.2M | |
(0.0) | -313.3M | -202.6M | -784.5M | -1.5B | -480.8M | -300.4M | -129.1M | -123.5M | -121.7M | -86.5M | -343.7M | -135.2M | -152.5M | -130.8M | -202.2M | -541K | -66K | -9.5M | -247.2M | |
-724.6M | -23.1M | -21.7M | 18.9M | -5.4M | -19.5M | -26.1M | -20.7M | -17.1M | 22.5M | -10.3M | -20M | -3.6M | -3.9M | -2.1M | -11.7M | 6.3M | -894K | 5.1M | 25.8M | |
-724.6M | 957.3M | 266.2M | -794.6M | -1.5B | -433.2M | 400.3M | 599.9M | 330.3M | 436.6M | 235.2M | 400K | 3.1M | 96.6M | 179.2M | -35.8M | -129M | 108.6M | 135M | 22.8M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -3K | -9K | 23K | -41K | 15K | |
-344.3M | 374.1M | 53.2M | -16.5M | 38M | -121.5M | 188.4M | 65.5M | 24.5M | 65.6M | -100K | 2.2M | -4.8M | 4.3M | 900K | 1.6M | -984K | 2.4M | -7.8M | 1.4M | |
845M | 470.9M | 417.7M | 434.2M | 396.2M | 517.7M | 329.3M | 263.8M | 239.3M | 173.7M | 6.4M | 4.2M | 9M | 4.7M | 3.8M | 2.2M | 3.2M | 712K | 8.5M | 7.1M | |
500.7M | 845M | 470.9M | 417.7M | 434.2M | 396.2M | 517.7M | 329.3M | 263.8M | 239.3M | 6.3M | 6.4M | 4.2M | 9M | 4.7M | 3.8M | 2.2M | 3.2M | 712K | 8.5M | |
1.1B | 1.1B | 1.2B | 1.2B | 1.1B | 976.7M | 785.5M | 678.8M | 557.6M | 501.7M | 400.2M | 360.9M | 320.1M | 299.8M | 269.4M | 197.2M | 149.9M | 153.5M | 90.1M | 84.6M |
SEC Filings
CACC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 11, 2026 | May 05, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 05, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 28, 2026 | June 10, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 03, 2026 | April 03, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 26, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 15, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 19, 2025 | November 13, 2025 | 2025 |
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