Credit Acceptance Corporation
Cash Flow Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Net Income | $423.9M | $247.9M | $286.1M | $535.8M | $958.3M | $421.0M | $656.1M | $574.0M |
| Depreciation & Amortization | — | — | — | — | — | — | — | — |
| Depreciation | $3.6M | $6.7M | $8.9M | $9.0M | $9.7M | $8.8M | $7.3M | $5.4M |
| Amortization | — | — | — | — | — | — | — | — |
| Stock-Based Compensation | $50.7M | $45.0M | $39.1M | $36.5M | $24.8M | $6.2M | $7.6M | $10.3M |
| Net Cash from Operating Activities | $1.05B | $1.14B | $1.20B | $1.24B | $1.07B | $985.2M | $812.3M | $703.9M |
| Investing Activities | ||||||||
| Capital Expenditures | $1.6M | $1.8M | $4.0M | $3.1M | $7.6M | $8.5M | $26.8M | $25.1M |
| Business Acquisitions | — | — | — | — | — | — | — | — |
| Net Cash from Investing Activities | $-674.3M | $-1.72B | $-1.42B | $-460.6M | $437.3M | $-673.5M | $-1.02B | $-1.24B |
| Financing Activities | ||||||||
| Dividends Paid | — | — | — | — | — | — | — | — |
| Stock Repurchases | $725.4M | $313.3M | $202.6M | $784.5M | $1.47B | $480.8M | $300.4M | $129.1M |
| Net Cash from Financing Activities | $-724.6M | $957.3M | $266.2M | $-794.6M | $-1.47B | $-433.2M | $400.3M | $599.9M |
| Net Change in Cash | $-344.3M | $374.1M | $53.2M | $-16.5M | $38.0M | $-121.5M | $188.4M | $65.5M |
| Free Cash Flow | $1.05B | $1.14B | $1.20B | $1.24B | $1.06B | $976.7M | $785.5M | $678.8M |