| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 301,900 | 193,700 |
| Provision for credit losses | 486,500 | 334,500 |
| Depreciation | 2,900 | 2,100 |
| Amortization | 17,600 | 11,600 |
| Provision (credit) for deferred income taxes | -21,200 | -13,300 |
| Stock-based compensation | 37,700 | 25,600 |
| Loss on extinguishment of debt | -1,200 | -1,200 |
| Loss on sale of building | 0 | 0 |
| Other | 0 | 100 |
| Increase in accounts payable and accrued liabilities | 68,900 | 33,500 |
| Increase in income taxes receivable | 5,500 | 5,200 |
| Decrease in income taxes payable | -105,300 | -103,400 |
| Decrease in other assets | -600 | -5,500 |
| Net cash provided by operating activities | 785,300 | 485,900 |
| Payments to acquire debt securities, available-for-sale | 32,300 | 19,200 |
| Proceeds from sale of restricted securities available for sale | 22,100 | 12,600 |
| Maturities of restricted securities available for sale | 9,700 | 7,500 |
| Principal collected on loans receivable | 2,606,300 | 1,755,900 |
| Advances to dealers | 2,170,300 | 1,517,800 |
| Purchases of consumer loans | 864,500 | 592,900 |
| Accelerated payments of dealer holdback | 38,500 | 27,800 |
| Payments of dealer holdback | 144,700 | 103,500 |
| Purchases of property and equipment | 1,200 | 600 |
| Proceeds from sale of buildings | 0 | 0 |
| Net cash used in investing activities | -613,400 | -485,800 |
| Borrowings under revolving secured lines of credit | 849,100 | 40,500 |
| Repayments under revolving secured lines of credit | 700,500 | 39,100 |
| Proceeds from secured financing | 651,000 | 651,000 |
| Repayments of secured financing | 887,200 | 635,800 |
| Proceeds from issuance of senior notes | 500,000 | 500,000 |
| Repayment of senior notes | 400,000 | 400,000 |
| Payments of debt issuance costs | 15,900 | 12,300 |
| Repurchase of common stock | 534,000 | 426,600 |
| Proceeds from issuance of common stock | 22,000 | 11,100 |
| Other | -2,600 | 29,900 |
| Net cash provided by (used in) financing activities | -518,100 | -281,300 |
| Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents | -346,200 | -281,200 |
| Cash and cash equivalents at beginning of period | 845,000 | - |
| Cash and cash equivalents at end of period | 498,800 | - |
CREDIT ACCEPTANCE CORP (CACC)
CREDIT ACCEPTANCE CORP (CACC)