Credit Acceptance Corporation

CACCNASDAQFinancial Services● Active

$544.71

$-3.69(-0.67%)

Market Cap$5.7B

P/E Ratio—

52W High$579.8

52W Low$401.9

Avg Volume169K

Open$545.00

Beta1.39

Free Cash Flow Financials Revenue

Credit Acceptance Corporation (CACC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CACC · free cash flow · updated Jun 8, 2026

Core FCF metrics

CACC · FCF · TTM · margin & CAGR

Free cash flow was $1.05B for FY2025 (fiscal year ending 2025-12-31), down 7.3% year-over-year The FCF margin was 45.4%. Five-year CAGR stands at +1.5%.

FY2025 Free Cash Flow$1.05B▼ -7.3% YoY

Trailing 12M (TTM)$1.05Btrailing 4 quarters sum

FCF Margin45.4%$1.05B ÷ revenue

3-Year CAGR-5.2%FY2022 → FY2025

5-Year CAGR+1.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CACC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$1.05B(2M)$1.05B▼ 7.3%45.4%

FY2024$1.14B(2M)$1.14B▼ 5.3%53.2%

FY2023$1.20B(4M)$1.20B▼ 2.9%63.8%

FY2022$1.24B(3M)$1.24B▲ +16.4%67.8%

FY2021$1.07B(8M)$1.06B▲ +8.7%57.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CACC · P/FCF · FCF yield · FCF per share

Credit Acceptance Corporation (CACC) trades at a FCF yield of 18.47% and a price-to-free-cash-flow ratio of 5.7x. FCF per share stands at $95.01, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

18.47%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$95.01

TTM FCF ÷ Shares Outstanding

Price / FCF

x5.7

Share Price ÷ FCF per Share

EV / FCF (TTM)

x11.5

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CACC · cash flow statement · operating / investing / financing

For FY2025, Credit Acceptance Corporation generated $1.05B in operating cash flow and spent 2M in capital expenditures, yielding $1.05B in free cash flow.

Operating Activities

+$1.05B

Cash from core business operations

2025-12-31

Investing Activities

−$674.3M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$724.6M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($1.05B) − |CapEx| (2M) = FCF ($1.05B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CACC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Credit Acceptance CorporationYOU

CACC

$1.05B-7.3%45.4%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Credit Acceptance Corporation (CACC) reported free cash flow of $1.05B for FY2025 (fiscal year ending 2025-12-31), down 7.3% year-over-year. The FCF margin was 45.4%.

Based on available data, Credit Acceptance Corporation has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $1.24B in FY2022. The 5-year CAGR stands at +1.5%.

Credit Acceptance Corporation's FCF yield is 18.47% and price-to-FCF ratio is 5.7x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CACC free cash flow · 8 questions

Credit Acceptance Corporation free cash flow was $1.05B for FY2025, down 7.3% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $1.05B.

CACC free cash flowCACC FCFCACC FCF 2025CACC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Credit Acceptance Corporation · Credit Acceptance Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026