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)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 301,900 | 193,700 | 106,300 | 247,900 | 96,000 |
| Depreciation Amortization | 20,500 | 13,700 | 6,900 | 27,800 | 20,900 |
| Income taxes - deferred | -21,200 | -13,300 | 1,600 | -70,400 | 33,400 |
| Other Working Capital | -41,300 | -69,600 | 55,200 | 48,400 | -66,300 |
| Other Operating Activity | 525,400 | 361,400 | 176,200 | 884,200 | 747,700 |
| Operating Cash Flow | $785,300 | $485,900 | $346,200 | $1,137,900 | $831,700 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | -500 | 900 | -1,500 | -12,800 | -18,500 |
| PPE Investments | -1,200 | -600 | -300 | 1,400 | 2,100 |
| Other Investing Activity | -611,700 | -486,100 | -289,800 | -1,709,700 | -1,517,500 |
| Investing Cash Flow | $-613,400 | $-485,800 | $-291,600 | $-1,721,100 | $-1,533,900 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 849,100 | 40,500 | 1,300 | 6,125,900 | 5,988,300 |
| Debt Issued | 1,151,000 | 1,151,000 | 1,151,000 | 3,619,400 | 2,865,400 |
| Debt Repayment | -1,287,200 | -1,035,800 | -796,000 | -2,246,600 | -1,594,700 |
| Common Stock Issued | 22,000 | 11,100 | 5,600 | 15,600 | 14,600 |
| Common Stock Repurchased | -534,000 | -426,600 | -164,400 | -313,300 | -251,900 |
| Other Financing Activity | -719,000 | -21,500 | 23,500 | -6,243,700 | -6,074,100 |
| Financing Cash Flow | $-518,100 | $-281,300 | $221,000 | $957,300 | $947,600 |
| Beginning Cash Position | 845,000 | 845,000 | 845,000 | 470,900 | 470,900 |
| End Cash Position | 498,800 | 563,800 | 1,120,600 | 845,000 | 716,300 |
| Net Cash Flow | $-346,200 | $-281,200 | $275,600 | $374,100 | $245,400 |
| Free Cash Flow | |||||
| Operating Cash Flow | 785,300 | 485,900 | 346,200 | 1,137,900 | 831,700 |
| Capital Expenditure | -1,200 | -600 | -300 | -1,800 | -1,100 |
| Free Cash Flow | 784,100 | 485,300 | 345,900 | 1,136,100 | 830,600 |