Credit Acceptance annual free cash flow
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Credit Acceptance Free Cash Flow (FCF) History (CACC)
Credit Acceptance reported $1.05B in free cash flow for fiscal 2025, a decrease of 7.31% from the previous fiscal year, with a free cash flow margin of 45.44%.
View full Credit Acceptance company overviewCredit Acceptance free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $1.05B | −$83.1M | −7.31% | +45.44% |
| 2024 | 2024-12-31 | $1.14B | −$63.7M | −5.31% | +52.54% |
| 2023 | 2023-12-31 | $1.20B | −$35.8M | −2.90% | +63.08% |
| 2022 | 2022-12-31 | $1.24B | $173.8M | +16.37% | +67.43% |
| 2021 | 2021-12-31 | $1.06B | $85.1M | +8.71% | +57.21% |
| 2020 | 2020-12-31 | $976.7M | $191.2M | +24.34% | +58.51% |
| 2019 | 2019-12-31 | $785.5M | $106.7M | +15.72% | +52.75% |
| 2018 | 2018-12-31 | $678.8M | $121.2M | +21.74% | +52.79% |
| 2017 | 2017-12-31 | $557.6M | $55.9M | +11.14% | +50.23% |
| 2016 | 2016-12-31 | $501.7M | $101.5M | +25.36% | +51.76% |
| 2015 | 2015-12-31 | $400.2M | $39.3M | +10.89% | +48.49% |
| 2014 | 2014-12-31 | $360.9M | $40.8M | +12.75% | +49.88% |
| 2013 | 2013-12-31 | $320.1M | $20.3M | +6.77% | +46.93% |
| 2012 | 2012-12-31 | $299.8M | $30.4M | +11.28% | +49.21% |
| 2011 | 2011-12-31 | $269.4M | $72.2M | +36.61% | +51.29% |
| 2010 | 2010-12-31 | $197.2M | $39.8M | +25.26% | +44.61% |
| 2009 | 2009-12-31 | $157.4M | — | — | +41.36% |
Credit Acceptance quarterly free cash flow
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| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $307.9M | $168.5M | +120.88% | +52.42% |
| Q1 2026 | 2026-03-31 | $345.5M | −$400,000 | −0.12% | +59.57% |
| Q4 2025 | 2025-12-31 | $268.9M | −$36.6M | −11.98% | +46.37% |
| Q3 2025 | 2025-09-30 | $298.8M | −$18.5M | −5.83% | +51.30% |
| Q2 2025 | 2025-06-30 | $139.4M | −$64.2M | −31.53% | +23.88% |
| Q1 2025 | 2025-03-31 | $345.9M | $36.2M | +11.69% | +60.57% |
| Q4 2024 | 2024-12-31 | $305.5M | −$4.0M | −1.29% | +53.98% |
| Q3 2024 | 2024-09-30 | $317.3M | $4.0M | +1.28% | +57.66% |
| Q2 2024 | 2024-06-30 | $203.6M | −$77.6M | −27.60% | +37.83% |
| Q1 2024 | 2024-03-31 | $309.7M | $14.1M | +4.77% | +60.96% |
| Q4 2023 | 2023-12-31 | $309.5M | $23.9M | +8.37% | +62.96% |
| Q3 2023 | 2023-09-30 | $313.3M | −$12.1M | −3.72% | +65.46% |
| Q2 2023 | 2023-06-30 | $281.2M | $32.4M | +13.02% | +58.84% |
| Q1 2023 | 2023-03-31 | $295.6M | −$78.8M | −21.05% | +65.14% |
| Q4 2022 | 2022-12-31 | $285.6M | $156.0M | +120.37% | +62.22% |
| Q3 2022 | 2022-09-30 | $325.4M | $58.6M | +21.96% | +70.69% |
| Q2 2022 | 2022-06-30 | $248.8M | −$92.2M | −27.04% | +54.39% |
| Q1 2022 | 2022-03-31 | $374.4M | $50.0M | +15.41% | +82.16% |
| Q4 2021 | 2021-12-31 | $129.6M | −$71.8M | −35.65% | +27.98% |
| Q3 2021 | 2021-09-30 | $266.8M | −$8.5M | −3.09% | +56.75% |
| Q2 2021 | 2021-06-30 | $341.0M | $67.9M | +24.86% | +72.29% |
| Q1 2021 | 2021-03-31 | $324.4M | $97.5M | +42.97% | +71.93% |
| Q4 2020 | 2020-12-31 | $201.4M | $300,000 | +0.15% | +45.02% |
| Q3 2020 | 2020-09-30 | $275.3M | $75.2M | +37.58% | +64.55% |
| Q2 2020 | 2020-06-30 | $273.1M | $113.8M | +71.44% | +67.22% |
| Q1 2020 | 2020-03-31 | $226.9M | $1.9M | +0.84% | +58.31% |
| Q4 2019 | 2019-12-31 | $201.1M | $1.2M | +0.60% | +52.11% |
| Q3 2019 | 2019-09-30 | $200.1M | $26.0M | +14.93% | +52.84% |
| Q2 2019 | 2019-06-30 | $159.3M | $60.7M | +61.56% | +42.98% |
| Q1 2019 | 2019-03-31 | $225.0M | $18.8M | +9.12% | +63.60% |
| Q4 2018 | 2018-12-31 | $199.9M | $50.0M | +33.36% | +58.31% |
| Q3 2018 | 2018-09-30 | $174.1M | $22.3M | +14.69% | +52.44% |
| Q2 2018 | 2018-06-30 | $98.6M | $1.4M | +1.44% | +31.26% |
| Q1 2018 | 2018-03-31 | $206.2M | $47.5M | +29.93% | +69.76% |
| Q4 2017 | 2017-12-31 | $149.9M | $8.1M | +5.71% | +52.18% |
| Q3 2017 | 2017-09-30 | $151.8M | $17.5M | +13.03% | +53.47% |
| Q2 2017 | 2017-06-30 | $97.2M | −$38.4M | −28.32% | +35.22% |
| Q1 2017 | 2017-03-31 | $158.7M | $68.7M | +76.33% | +60.39% |
| Q4 2016 | 2016-12-31 | $141.8M | $38.7M | +37.54% | +55.35% |
| Q3 2016 | 2016-09-30 | $134.3M | $24.5M | +22.31% | +54.46% |
| Q2 2016 | 2016-06-30 | $135.6M | $64.4M | +90.45% | +56.86% |
| Q1 2016 | 2016-03-31 | $90.0M | −$26.1M | −22.48% | +39.49% |
| Q4 2015 | 2015-12-31 | $103.1M | $9.0M | +9.56% | +47.34% |
| Q3 2015 | 2015-09-30 | $109.8M | $14.0M | +14.61% | +52.24% |
| Q2 2015 | 2015-06-30 | $71.2M | −$8.4M | −10.55% | +35.06% |
| Q1 2015 | 2015-03-31 | $116.1M | $24.7M | +27.02% | +59.78% |
| Q4 2014 | 2014-12-31 | $94.1M | −$8.9M | −8.64% | +50.84% |
| Q3 2014 | 2014-09-30 | $95.8M | $16.4M | +20.65% | +52.72% |
| Q2 2014 | 2014-06-30 | $79.6M | $21.6M | +37.24% | +44.27% |
| Q1 2014 | 2014-03-31 | $91.4M | $11.7M | +14.68% | +51.67% |
| Q4 2013 | 2013-12-31 | $103.0M | $14.6M | +16.52% | +58.76% |
| Q3 2013 | 2013-09-30 | $79.4M | $13.6M | +20.67% | +45.98% |
| Q2 2013 | 2013-06-30 | $58.0M | −$2.4M | −3.97% | +34.24% |
| Q1 2013 | 2013-03-31 | $79.7M | −$5.5M | −6.46% | +48.39% |
| Q4 2012 | 2012-12-31 | $88.4M | $17.8M | +25.19% | +55.49% |
| Q3 2012 | 2012-09-30 | $65.8M | $4.4M | +7.17% | +42.26% |
| Q2 2012 | 2012-06-30 | $60.4M | $7.5M | +14.18% | +39.79% |
| Q1 2012 | 2012-03-31 | $85.2M | $711,000 | +0.84% | +59.83% |
| Q4 2011 | 2011-12-31 | $70.6M | — | — | +51.17% |
| Q3 2011 | 2011-09-30 | $61.4M | $13.7M | +28.67% | +45.92% |
| Q2 2011 | 2011-06-30 | $52.9M | — | — | +40.69% |
| Q1 2011 | 2011-03-31 | $84.5M | — | — | +68.41% |
| Q3 2010 | 2010-09-30 | $47.7M | — | — | +42.74% |
Credit Acceptance free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $976.7M to $1.05B, a compound annual growth rate of 1.52%. Credit Acceptance's latest reported quarter, Q2 2026, generated $307.9M in free cash flow, an increase of 120.88% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Credit Acceptance source filings ↗Community posts
Credit Acceptance reaches multistate resolution with $75.5 million in payments
Credit Acceptance ($CACC) reached consent judgments with New York and 40 other state attorneys general involving $60 million of consumer relief and $15.5 million for investigative and legal expenses. The arrangement also includes waiving sp ...
