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Credit Acceptance Corp cash flow statement

In fiscal 2025, Credit Acceptance Corp's operations generated $1.05bn of cash; it spent $1.6m on capital projects, leaving free cash flow of $1.05bn. It returned $725m through buybacks.

Cash flow statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Cash from operations1602012763093263654045075667048129851,0691,2391,2041,1381,0551,261
Depreciation and amortisation5445566665791099743
Stock-based pay74212915127151086253739455144
Capital spending34696446825279834225
Free cash flow1571972693003203614005025586797869771,0621,2361,2001,1361,0531,256
Free cash flow after stock pay1511932682883123463884945426697789711,0371,1991,1611,0911,0021,213
Share buybacks1202131153135344871221241293004811,472785203313725673
Shares issued——————————00121551624107

Free cash flow is cash from operations minus capital spending. Free cash flow after stock pay also subtracts stock-based compensation, a real cost to shareholders that the cash flow statement adds back. Dividends, buybacks and shares issued are cash amounts for the period.

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Figures from Credit Acceptance Corp's SEC filings (10-K and 10-Q), retrieved October 30, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Credit Acceptance Corp.