For the quarter ending 2026-03-31, CACC had $50,700K increase in cash & cash equivalents over the period. $345,500K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 135,800 | 122,000 | 108,200 | 193,700 |
| Loss on sale of building | - | - | 0 | 0 |
| Provision for credit losses | 139,600 | 129,600 | 152,000 | 334,500 |
| Depreciation | 700 | 700 | 800 | 2,100 |
| Amortization | 5,200 | 5,400 | 6,000 | 11,600 |
| Increase (decrease) in deferred income taxes | - | -34,600 | - | - |
| Provision for deferred income taxes | 24,000 | - | -7,900 | -13,300 |
| Stock-based compensation | 11,300 | 13,000 | 12,100 | 25,600 |
| Loss on extinguishment of debt | 0 | 0 | 0 | -1,200 |
| Loss on sale of building | - | 0 | - | - |
| Other | -100 | -200 | -100 | 100 |
| Increase in accounts payable and accrued liabilities | 13,400 | 14,000 | 35,400 | 33,500 |
| Decrease (increase) in income taxes receivable | -37,800 | 57,500 | 300 | 5,200 |
| Increase in income taxes payable | 0 | -11,900 | -1,900 | -103,400 |
| Decrease in other assets | -300 | 1,600 | 4,900 | -5,500 |
| Net cash provided by operating activities | 346,800 | 269,300 | 299,400 | 485,900 |
| Proceeds from sale of buildings | - | 0 | 0 | 0 |
| Payments to acquire debt securities, available-for-sale | 21,100 | 11,000 | 13,100 | 19,200 |
| Proceeds from sale of restricted securities available for sale | 12,700 | 11,300 | 9,500 | 12,600 |
| Maturities of restricted securities available for sale | 4,400 | 2,500 | 2,200 | 7,500 |
| Principal collected on loans receivable | 928,900 | 805,600 | 850,400 | 1,755,900 |
| Advances to dealers | 739,600 | 594,500 | 652,500 | 1,517,800 |
| Purchases of consumer loans | 329,000 | 226,800 | 271,600 | 592,900 |
| Accelerated payments of dealer holdback | 12,500 | 12,200 | 10,700 | 27,800 |
| Payments of dealer holdback | 34,600 | 35,400 | 41,200 | 103,500 |
| Purchases of property and equipment | 1,300 | 400 | 600 | 600 |
| Net cash used in investing activities | -192,100 | -60,900 | -127,600 | -485,800 |
| Borrowings under revolving secured lines of credit | 1,679,200 | 1,272,000 | 808,600 | 40,500 |
| Repayments under revolving secured lines of credit | 1,566,900 | 1,313,400 | 661,400 | 39,100 |
| Proceeds from secured financing | 251,000 | 751,000 | 0 | 651,000 |
| Repayments of secured financing | 313,200 | 725,900 | 251,400 | 635,800 |
| Proceeds from issuance of senior notes | 0 | 0 | 0 | 500,000 |
| Repayment of senior notes | 0 | 0 | 0 | 400,000 |
| Payments of debt issuance costs | 200 | 3,900 | 3,600 | 12,300 |
| Repurchase of common stock | 178,900 | 191,400 | 107,400 | 426,600 |
| Proceeds from issuance of common stock | 23,000 | 1,500 | 10,900 | 11,100 |
| Other | 2,000 | 3,600 | -32,500 | 29,900 |
| Net cash provided by (used in) financing activities | -104,000 | -206,500 | -236,800 | -281,300 |
| Net increase in cash and cash equivalents and restricted cash and cash equivalents | 50,700 | 1,900 | -65,000 | -281,200 |
| Cash and cash equivalents and restricted cash and cash equivalents beginning of period | 500,700 | 498,800 | 845,000 | - |
| Cash and cash equivalents and restricted cash and cash equivalents end of period | 551,400 | 500,700 | 498,800 | - |
CREDIT ACCEPTANCE CORP (CACC)
CREDIT ACCEPTANCE CORP (CACC)