Credit Acceptance annual free cash flow
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2025
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 | $22.9M | +47.97% | +51.17% |
| Q3 2011 | 2011-09-30 | $61.4M | — | — | +45.91% |
| Q2 2011 | 2011-06-30 | $52.9M | — | — | +40.70% |
| 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 SEC-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 filings at SEC.gov ↗