For the year ending 2025-12-31, CACC had -$344,300K decrease in cash & cash equivalents over the period. $1,053,000K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 423,900 |
| Provision for credit losses | 616,100 |
| Depreciation | 3,600 |
| Amortization | 23,000 |
| Increase (decrease) in deferred income taxes | -34,600 |
| Stock-based compensation | 50,700 |
| Loss on extinguishment of debt | -1,200 |
| Loss on sale of building | 0 |
| Adjustment to reconcile net income to cash provided by (used in) operating activity, other item | -200 |
| Increase in accounts payable and accrued liabilities | 82,900 |
| Increase in income taxes receivable | 63,000 |
| Increase (decrease) in income taxes payable | -117,200 |
| Increase in other assets | 1,000 |
| Net cash provided by operating activities | 1,054,600 |
| Purchases of restricted securities available for sale | 43,300 |
| Proceeds from sale of debt securities, available-for-sale | 33,400 |
| Maturities of restricted securities available for sale | 12,200 |
| Principal collected on loans receivable | 3,411,900 |
| Advances to dealers | 2,764,800 |
| Purchases of consumer loans | 1,091,300 |
| Accelerated payments of dealer holdback | 50,700 |
| Payments of dealer holdback | 180,100 |
| Purchases of property and equipment | 1,600 |
| Proceeds from sale of buildings | 0 |
| Net cash used in investing activities | -674,300 |
| Borrowings under revolving secured line of credit | 2,121,100 |
| Repayments under revolving secured line of credit | 2,013,900 |
| Proceeds from secured financing | 1,402,000 |
| Repayments of secured financing | 1,613,100 |
| Proceeds from issuance of senior notes | 500,000 |
| Repayments of senior notes | 400,000 |
| Payments of debt issuance costs and debt issuance costs | 19,800 |
| Repurchase of common stock | 725,400 |
| Proceeds from issuance of common stock | 23,500 |
| Other financing activities | 1,000 |
| Net cash provided by financing activities | -724,600 |
| Net increase in cash and cash equivalents and restricted cash and cash equivalents | -344,300 |
| Cash and cash equivalents at beginning of period | 845,000 |
| Cash and cash equivalents at end of period | 500,700 |
CREDIT ACCEPTANCE CORP (CACC)
CREDIT ACCEPTANCE CORP (CACC)