stockrowCredit Acceptance Corporation
CACC Financial Credit Services
Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024.
- Revenue
- +2.09%
- EPS
- −156.4%
- Free cash flow
- +11.8%
- Total debt
- +5.57%
Quarter to September 2026, against a year earlier
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Credit Acceptance Corporation (CACC) Operating cash flow
Credit Acceptance Corporation's operating cash flow for fiscal 2025 was $1.1B, down 7.32% from $1.1B in fiscal 2024. Over the twelve months to 30 September 2026 it was $1.3B. Over the past ten years it has ranged from $404.2M (fiscal 2015) to $1.2B (fiscal 2022); the current reading is higher than 64% of that period. Operating cash flow has fallen for 3 consecutive fiscal years. Credit Acceptance Corporation ranks 12th of 52 Credit Services companies by operating cash flow.
Operating cash flow, annual
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Annual newest first
| Period | Operating cash flow | Change |
|---|---|---|
| FY2025 | $1.1B | (7.32%) |
| FY2024 | $1.1B | (5.47%) |
| FY2023 | $1.2B | (2.82%) |
| FY2022 | $1.2B | 15.83% |
| FY2021 | $1.1B | 8.55% |
| FY2020 | $985.2M | 21.29% |
| FY2019 | $812.3M | 15.40% |
| FY2018 | $703.9M | 24.36% |
| FY2017 | $566.0M | 11.59% |
| FY2016 | $507.2M | 25.48% |
Quarterly newest first
| Period | Operating cash flow | Change |
|---|---|---|
| Sep 2026 | $335.5M | 8.40% |
| Jun 2026 | $309.5M | (10.76%) |
| Mar 2026 | $346.8M | 28.78% |
| Dec 2025 | $269.3M | (10.05%) |
| 43 more quarters | Free account |
Against its own ten years
Operating cash flow against peers
| Company | Operating cash flow |
|---|---|
| OMF OneMain Holdings, Inc. compare | $3.2B |
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ENVA Enova International, Inc. compare | $2.1B |
| CACC Credit Acceptance Corporation | $1.3B |
| FCFS FirstCash Holdings, Inc. compare | $679.0M |
| NNI Nelnet, Inc. compare | $478.8M |
| SEZL Sezzle Inc. compare | $275.6M |
| SLM SLM Corporation compare | −$381.6M |
| KLAR Klarna Group plc compare | −$3.8B |
What Operating cash flow is
Operating Cash Flow shows how much cash a company’s day-to-day business actually brings in, after paying suppliers, staff and taxes.
Reported line item
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
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- Piotroski F-score
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