Credit Acceptance Corporation (CACC) — Financial Flexibility Index
Credit Acceptance Corporation (CACC) has a Financial Flexibility Index of 0.05x as of March 2026. Free cash flow of $348.10 Million (operating CF $346.80 Million minus capex $1.30 Million) represents 0% of total liabilities ($7.18 Billion). Check Credit Acceptance Corporation strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Credit Acceptance Corporation Financial Flexibility Index (1992–2025)
Historical Financial Flexibility Index trend for Credit Acceptance Corporation across 34 annual periods. See Credit Acceptance Corporation (CACC) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Credit Acceptance Corporation (1992–2025)
Year-by-year free cash flow to debt coverage for Credit Acceptance Corporation. For the full company profile including market capitalisation, see CACC market cap.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.13x | $1.06 Billion | $1.05 Billion | $8.07 Billion | ▼ -8.3% |
| 2024 | 0.14x | $1.14 Billion | $1.14 Billion | $7.99 Billion | ▼ -21.6% |
| 2023 | 0.18x | $1.21 Billion | $1.20 Billion | $6.64 Billion | ▼ -22.7% |
| 2022 | 0.24x | $1.24 Billion | $1.24 Billion | $5.28 Billion | ▲ +14.1% |
| 2021 | 0.21x | $1.08 Billion | $1.07 Billion | $5.23 Billion | ▲ +7.5% |
| 2020 | 0.19x | $993.70 Million | $985.20 Million | $5.19 Billion | ▲ +15.7% |
| 2019 | 0.17x | $839.10 Million | $812.30 Million | $5.07 Billion | ▼ -3.6% |
| 2018 | 0.17x | $729.00 Million | $703.90 Million | $4.25 Billion | ▲ +3.1% |
| 2017 | 0.17x | $574.40 Million | $566.00 Million | $3.45 Billion | ▼ -1.1% |
| 2016 | 0.17x | $512.70 Million | $507.20 Million | $3.04 Billion | ▲ +1.5% |
| 2015 | 0.17x | $408.20 Million | $404.20 Million | $2.46 Billion | ▼ -6.5% |
| 2014 | 0.18x | $369.50 Million | $365.20 Million | $2.08 Billion | ▼ -9.9% |
| 2013 | 0.20x | $331.30 Million | $325.70 Million | $1.68 Billion | ▼ -6.3% |
| 2012 | 0.21x | $317.40 Million | $308.60 Million | $1.51 Billion | ▼ -9.2% |
| 2011 | 0.23x | $282.00 Million | $275.70 Million | $1.22 Billion | ▼ -1.5% |
| 2010 | 0.23x | $204.20 Million | $200.70 Million | $869.04 Million | ▲ +2.3% |
| 2009 | 0.23x | $155.71 Million | $152.78 Million | $678.03 Million | ▲ +10.8% |
| 2008 | 0.21x | $166.17 Million | $159.83 Million | $801.60 Million | ▲ +33.1% |
| 2007 | 0.16x | $105.41 Million | $97.75 Million | $676.73 Million | ▼ -8.6% |
| 2006 | 0.17x | $87.71 Million | $86.17 Million | $514.87 Million | ▼ -61.1% |
| 2005 | 0.44x | $107.84 Million | $104.98 Million | $246.37 Million | ▲ +45.5% |
| 2004 | 0.30x | $87.39 Million | $83.82 Million | $290.42 Million | ▲ +162.8% |
| 2003 | 0.11x | $67.12 Million | $64.06 Million | $586.22 Million | ▼ -10.2% |
| 2002 | 0.13x | $66.07 Million | $59.63 Million | $518.48 Million | ▼ -2.2% |
| 2001 | 0.13x | $74.67 Million | $68.79 Million | $573.00 Million | ▼ -67.1% |
| 2000 | 0.40x | $63.29 Million | $59.38 Million | $159.82 Million | ▲ +288.4% |
| 1999 | 0.10x | $40.50 Million | $35.68 Million | $397.26 Million | ▼ -18.2% |
| 1998 | 0.12x | $59.29 Million | $55.71 Million | $475.67 Million | ▲ +52.1% |
| 1997 | 0.08x | $71.00 Million | $62.10 Million | $866.62 Million | ▼ -14.0% |
| 1996 | 0.10x | $78.92 Million | $72.93 Million | $828.27 Million | ▼ -81.8% |
| 1995 | 0.52x | $50.20 Million | $48.30 Million | $95.80 Million | ▲ +18.6% |
| 1994 | 0.44x | $35.20 Million | $32.40 Million | $79.70 Million | ▼ -91.4% |
| 1993 | 5.11x | $23.50 Million | $16.70 Million | $4.60 Million | ▲ +3106.9% |
| 1992 | 0.16x | $13.70 Million | $13.40 Million | $86.00 Million | — |