Credit Acceptance (CACC) Free Cash Flow (2010 - 2026)
Credit Acceptance's (CACC) quarterly Free Cash Flow came in at $307.9 million in Q2 2026, up 120.88% year-over-year from $139.4 million in Q2 2025, and down 10.88% quarter-over-quarter from $345.5 million in Q1 2026.
Analysis
Credit Acceptance (CACC) Free Cash Flow (2010 - 2026) Analysis & Trends
Credit Acceptance has disclosed Free Cash Flow across 17 years of filings, most recently posting $307.9 million for Q2 2026.
- In Q2 2026, Free Cash Flow rose 120.88% year-over-year to $307.9 million; the TTM figure through Jun 2026 stood at $1.2 billion (up 10.2% YoY), while the FY2025 annual figure was $1.1 billion, down 7.31% from the prior year.
- Free Cash Flow came in at $307.9 million for Q2 2026 at Credit Acceptance, down from $345.5 million in the prior quarter.
- In the past five years, Free Cash Flow ranged from a high of $374.4 million in Q1 2022 to a low of $139.4 million in Q2 2025.
- Average Free Cash Flow over 5 years is $293.2 million, with a median of $306.7 million recorded in 2024.
- Year-over-year, Free Cash Flow sank 31.53% in 2025 and surged 120.88% in 2026.
- Over 5 years, Free Cash Flow stood at $285.6 million in 2022, then gained by 8.37% to $309.5 million in 2023, then decreased by 1.29% to $305.5 million in 2024, then declined by 11.98% to $268.9 million in 2025, then advanced by 14.5% to $307.9 million in 2026.
- Per Business Quant data, the three most recent Free Cash Flow figures were $307.9 million in Q2 2026, $345.5 million in Q1 2026, and $268.9 million in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.42 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -12.97 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 83.04 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 307.90 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -134.83 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 531.42 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 533.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 367.51 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 32.88 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 143.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 307.90 Mn |
| Mar 31, 2026 | 345.50 Mn |
| Dec 31, 2025 | 268.90 Mn |
| Sep 30, 2025 | 298.80 Mn |
| Jun 30, 2025 | 139.40 Mn |
| Mar 31, 2025 | 345.90 Mn |
| Dec 31, 2024 | 305.50 Mn |
| Sep 30, 2024 | 317.30 Mn |
| Jun 30, 2024 | 203.60 Mn |
| Mar 31, 2024 | 309.70 Mn |
| Dec 31, 2023 | 309.50 Mn |
| Sep 30, 2023 | 313.50 Mn |
| Jun 30, 2023 | 281.20 Mn |
| Mar 31, 2023 | 295.60 Mn |
| Dec 31, 2022 | 285.60 Mn |
| Sep 30, 2022 | 325.40 Mn |
| Jun 30, 2022 | 250.20 Mn |
| Mar 31, 2022 | 374.40 Mn |
| Dec 31, 2021 | 129.60 Mn |
| Sep 30, 2021 | 266.80 Mn |