Credit Acceptance
(CACC)
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by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2024 | 12-2023 | 12-2022 | 12-2021 | 12-2020 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 247,900 | 286,100 | 535,800 | 958,300 | 421,000 |
| Depreciation Amortization | 27,800 | 26,600 | 25,600 | 26,300 | 23,800 |
| Income taxes - deferred | -70,400 | -38,000 | -7,700 | 44,700 | 68,300 |
| Other Working Capital | 48,400 | 151,400 | 166,800 | 7,300 | -97,700 |
| Other Operating Activity | 884,200 | 777,700 | 518,200 | 32,800 | 569,800 |
| Operating Cash Flow | $1,137,900 | $1,203,800 | $1,238,700 | $1,069,400 | $985,200 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -12,800 | -19,000 | -14,700 | 1,700 | -5,400 |
| PPE Investments | 1,400 | -4,000 | -3,100 | -7,600 | -8,500 |
| Other Investing Activity | -1,709,700 | -1,393,800 | -442,800 | 443,200 | -659,600 |
| Investing Cash Flow | $-1,721,100 | $-1,416,800 | $-460,600 | $437,300 | $-673,500 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 6,125,900 | 7,431,900 | 6,622,600 | 1,562,600 | 5,376,000 |
| Debt Issued | 3,619,400 | 3,362,000 | 1,541,900 | 1,830,800 | 2,800,200 |
| Debt Repayment | -2,246,600 | -2,919,800 | -1,599,200 | -1,729,000 | -2,829,000 |
| Common Stock Issued | 15,600 | 5,200 | 15,100 | 11,800 | N/A |
| Common Stock Repurchased | -313,300 | -202,600 | -784,500 | -1,471,800 | -480,800 |
| Other Financing Activity | -6,243,700 | -7,410,500 | -6,590,500 | -1,673,100 | -5,299,600 |
| Financing Cash Flow | $957,300 | $266,200 | $-794,600 | $-1,468,700 | $-433,200 |
| Beginning Cash Position | 470,900 | 417,700 | 434,200 | 396,200 | 517,700 |
| End Cash Position | 845,000 | 470,900 | 417,700 | 434,200 | 396,200 |
| Net Cash Flow | $374,100 | $53,200 | $-16,500 | $38,000 | $-121,500 |
| Free Cash Flow | |||||
| Operating Cash Flow | 1,137,900 | 1,203,800 | 1,238,700 | 1,069,400 | 985,200 |
| Capital Expenditure | -1,800 | -4,000 | -3,100 | -7,600 | -8,500 |
| Free Cash Flow | 1,136,100 | 1,199,800 | 1,235,600 | 1,061,800 | 976,700 |