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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$59,300K
Free Cash flow
$307,900K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Borrowings under revolving secur...
Principal collected on loans rec...
Proceeds from secured financing
Others
Negative Cash Flow Breakdown
Repayments under revolving secur...
Repayments of secured financing
Advances to dealers
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
135,900
135,800
122,000
108,200
Provision for credit losses
159,200
139,600
129,600
152,000
Depreciation
700
700
700
800
Amortization
4,700
5,200
5,400
6,000
Increase (decrease) in deferred income taxes
-
-
-34,600
-
Provision for deferred income taxes
-7,300
24,000
-
-7,900
Stock-based compensation
8,700
11,300
13,000
12,100
Loss on extinguishment of debt
0
0
0
0
Loss on sale of building
-
-
0
0
Other
0
-100
-200
-100
Increase (decrease) in accounts payable and accrued liabilities
-21,600
13,400
14,000
35,400
Decrease (increase) in income taxes receivable
-21,000
-37,800
57,500
300
Increase (decrease) in income taxes payable
4,300
0
-11,900
-1,900
Decrease in other assets
-3,900
-300
1,600
4,900
Net cash provided by operating activities
309,500
346,800
269,300
299,400
Payments to acquire debt securities, available-for-sale
17,500
21,100
11,000
13,100
Proceeds from sale of restricted securities available for sale
5,600
12,700
11,300
9,500
Maturities of restricted securities available for sale
4,100
4,400
2,500
2,200
Principal collected on loans receivable
880,700
928,900
805,600
850,400
Advances to dealers
651,200
739,600
594,500
652,500
Purchases of consumer loans
348,000
329,000
226,800
271,600
Accelerated payments of dealer holdback
12,500
12,500
12,200
10,700
Payments of dealer holdback
31,000
34,600
35,400
41,200
Purchases of property and equipment
1,600
1,300
400
600
Proceeds from sale of buildings
-
-
0
0
Net cash used in investing activities
-171,400
-192,100
-60,900
-127,600
Borrowings under revolving secured lines of credit
2,390,600
1,679,200
1,272,000
808,600
Repayments under revolving secured lines of credit
2,432,400
1,566,900
1,313,400
661,400
Proceeds from secured financing
575,000
251,000
751,000
0
Repayments of secured financing
656,400
313,200
725,900
251,400
Proceeds from issuance of senior notes
0
0
0
0
Repayment of senior notes
0
0
0
0
Payments of debt issuance costs
5,500
200
3,900
3,600
Repurchase of common stock
141,400
178,900
191,400
107,400
Proceeds from issuance of common stock
72,100
23,000
1,500
10,900
Other
600
2,000
3,600
-32,500
Net cash used in financing activities
-197,400
-104,000
-206,500
-236,800
Net decrease in cash and cash equivalents and restricted cash and cash equivalents
-59,300
50,700
1,900
-65,000
Cash and cash equivalents and restricted cash and cash equivalents beginning of period
551,400
500,700
498,800
845,000
Cash and cash equivalents and restricted cash and cash equivalents end of period
492,100
551,400
500,700
498,800
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Provision for credit
losses
$159,200K
(-52.41%↓ Y/Y)
Net income
$135,900K
(-29.84%↓ Y/Y)
Decrease (increase) in
income taxes...
-$21,000K
(-503.85%↓ Y/Y)
Stock-based compensation
$8,700K
(-66.02%↓ Y/Y)
Amortization
$4,700K
(-59.48%↓ Y/Y)
Increase (decrease) in
income taxes payable
$4,300K
(104.16%↑ Y/Y)
Decrease in other assets
-$3,900K
(29.09%↑ Y/Y)
Depreciation
$700K
(-66.67%↓ Y/Y)
Net cash provided by
operating activities
$309,500K
(-36.30%↓ Y/Y)
Canceled cashflow
$28,900K
Net decrease in cash
and cash...
-$59,300K
(78.91%↑ Y/Y)
Canceled cashflow
$309,500K
Borrowings under revolving
secured lines of credit
$2,390,600K
(5802.72%↑ Y/Y)
Proceeds from secured
financing
$575,000K
(-11.67%↓ Y/Y)
Proceeds from issuance of
common stock
$72,100K
(549.55%↑ Y/Y)
Other
$600K
(-97.99%↓ Y/Y)
Principal collected on
loans receivable
$880,700K
(-49.84%↓ Y/Y)
Proceeds from sale of
restricted securities...
$5,600K
(-55.56%↓ Y/Y)
Maturities of restricted
securities available for...
$4,100K
(-45.33%↓ Y/Y)
Increase (decrease) in
accounts payable and...
-$21,600K
(-164.48%↓ Y/Y)
Provision for deferred
income taxes
-$7,300K
(45.11%↑ Y/Y)
Net cash used in
financing activities
-$197,400K
(29.83%↑ Y/Y)
Canceled cashflow
$3,038,300K
Net cash used in
investing activities
-$171,400K
(64.72%↑ Y/Y)
Canceled cashflow
$890,400K
Repayments under revolving
secured lines of credit
$2,432,400K
(6120.97%↑ Y/Y)
Repayments of secured
financing
$656,400K
(3.24%↑ Y/Y)
Repurchase of common stock
$141,400K
(-66.85%↓ Y/Y)
Payments of debt issuance
costs
$5,500K
(-55.28%↓ Y/Y)
Advances to dealers
$651,200K
(-57.10%↓ Y/Y)
Purchases of consumer
loans
$348,000K
(-41.31%↓ Y/Y)
Payments of dealer
holdback
$31,000K
(-70.05%↓ Y/Y)
Payments to acquire debt
securities,...
$17,500K
(-8.85%↓ Y/Y)
Accelerated payments of
dealer holdback
$12,500K
(-55.04%↓ Y/Y)
Purchases of property and
equipment
$1,600K
(166.67%↑ Y/Y)
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CREDIT ACCEPTANCE CORP (CACC)
CREDIT ACCEPTANCE CORP (CACC)