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Credit Acceptance CACC Free cash flow margin

Free cash flow margin at other companies

Ally Financial logo
Ally FinancialALLY
55.3%
Carvana logo
CarvanaCVNA
3.3%-3.1pp
Enova International logo
Enova InternationalENVA
56.6%+1.6pp
Penske Automotive Group logo
Penske Automotive GroupPAG
1.9%-0.3pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
19.8%-0.4pp
Capital One Financial logo
Capital One FinancialCOF
46.5%-0.1pp

Other financials

Income statement

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Revenue$580.0M+1.6%
Net income$135.8M+27.8%
EPS (diluted)$12.40+43.2%

Balance sheet

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Cash & equivalents$551.4M-50.8%
Total equity$1.5B-11.5%
Total assets$8.7B-6.1%

Cash flow

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Operating cash flow$346.8M+0.2%
CapEx$1.3M+333%
Free cash flow$345.5M-0.1%

Valuation

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Market cap$6.06B-26.7%

Profitability

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Net margin19.5%+6.5pp

Returns & leverage

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Return on equity28.1%+10.9pp
Debt / equity

Where this comes from

Calculated from Credit Acceptance’s reported figures.

Based on trailing twelve months.

The official record: Credit Acceptance’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Credit Acceptance's free cash flow margin?
Credit Acceptance (CACC) reported free cash flow margin of 45.3% in Q1 2026.
How has Credit Acceptance's free cash flow margin changed year-over-year?
Credit Acceptance's free cash flow margin decreased by 14.1% year-over-year, from 52.7% to 45.3%.
What is the long-term trend for Credit Acceptance's free cash flow margin?
Over 5 years (2020 to 2025), Credit Acceptance's free cash flow margin has grown at a -4.9% compound annual growth rate (CAGR), from 58.5% to 45.4%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.