Credit Acceptance Corporation (CACC) — Cash Flow Quality Index
Credit Acceptance Corporation (CACC) has a Cash Flow Quality Index of 2.28x as of June 2026. Operating cash flow of $309.50 Million exceeds net income of $135.90 Million, indicating high earnings quality where cash backs reported profits. Explore Credit Acceptance Corporation (CACC) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Credit Acceptance Corporation Cash Flow Quality Index (1992–2025)
Historical Cash Flow Quality Index for Credit Acceptance Corporation across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CACC operating cash flow.
Annual Cash Flow Quality Index for Credit Acceptance Corporation (1992–2025)
Year-by-year earnings quality comparison for Credit Acceptance Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.49x | $1.05 Billion | $423.90 Million | ▼ -45.8% |
| 2024 | 4.59x | $1.14 Billion | $247.90 Million | ▲ +9.1% |
| 2023 | 4.21x | $1.20 Billion | $286.10 Million | ▲ +82.0% |
| 2022 | 2.31x | $1.24 Billion | $535.80 Million | ▲ +107.2% |
| 2021 | 1.12x | $1.07 Billion | $958.30 Million | ▼ -52.3% |
| 2020 | 2.34x | $985.20 Million | $421.00 Million | ▲ +89.0% |
| 2019 | 1.24x | $812.30 Million | $656.10 Million | ▲ +1.0% |
| 2018 | 1.23x | $703.90 Million | $574.00 Million | ▲ +1.9% |
| 2017 | 1.20x | $566.00 Million | $470.20 Million | ▼ -21.0% |
| 2016 | 1.52x | $507.20 Million | $332.80 Million | ▲ +13.0% |
| 2015 | 1.35x | $404.20 Million | $299.70 Million | ▼ -1.7% |
| 2014 | 1.37x | $365.20 Million | $266.20 Million | ▲ +6.6% |
| 2013 | 1.29x | $325.70 Million | $253.10 Million | ▼ -8.4% |
| 2012 | 1.40x | $308.60 Million | $219.70 Million | ▼ -4.2% |
| 2011 | 1.47x | $275.70 Million | $188.00 Million | ▲ +24.3% |
| 2010 | 1.18x | $200.70 Million | $170.10 Million | ▲ +13.0% |
| 2009 | 1.04x | $152.78 Million | $146.25 Million | ▼ -56.1% |
| 2008 | 2.38x | $159.83 Million | $67.18 Million | ▲ +33.7% |
| 2007 | 1.78x | $97.75 Million | $54.92 Million | ▲ +21.1% |
| 2006 | 1.47x | $86.17 Million | $58.64 Million | ▲ +1.7% |
| 2005 | 1.44x | $104.98 Million | $72.68 Million | ▼ -1.2% |
| 2004 | 1.46x | $83.82 Million | $57.33 Million | ▼ -35.7% |
| 2003 | 2.27x | $64.06 Million | $28.18 Million | ▲ +18.6% |
| 2002 | 1.92x | $59.63 Million | $31.12 Million | ▼ -18.6% |
| 2001 | 2.36x | $68.79 Million | $29.20 Million | ▼ -6.2% |
| 2000 | 2.51x | $59.38 Million | $23.65 Million | ▲ +12.7% |
| 1998 | 2.23x | $55.71 Million | $25.00 Million | ▼ -94.6% |
| 1997 | 41.40x | $62.10 Million | $1.50 Million | ▲ +2255.8% |
| 1996 | 1.76x | $72.93 Million | $41.50 Million | ▲ +7.7% |
| 1995 | 1.63x | $48.30 Million | $29.60 Million | ▲ +3.7% |
| 1994 | 1.57x | $32.40 Million | $20.60 Million | ▲ +16.8% |
| 1993 | 1.35x | $16.70 Million | $12.40 Million | ▼ -13.6% |
| 1992 | 1.56x | $13.40 Million | $8.60 Million | — |