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Cash from financing is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders.
For the
three
months ended in Mar. 2026,
Credit Acceptance paid$179 Mil more to buy back shares than it received from issuing new shares.
It received$50 Mil from issuing more debt.
It paid$0 Mil more to buy back preferred shares than it received from issuing preferred shares.
It received$0 Mil from paying cash dividends to shareholders.
It received$25 Mil on other financial activities.
In all, Credit Acceptancespent$104 Mil on financial activities for the
three
months ended in Mar. 2026.
Credit Acceptance (NAS:CACC) Cash Flow from Financing Explanation
Cash from financing contains six items:
1. Issuance of Stock:
A company may raise cash from issuing new shares. Issuance of stock represents the cash inflow from offering common stock, which is the additional capital contribution to the entity during the period.
Credit Acceptance's issuance of stock for the
three
months ended in Mar. 2026 was $0 Mil.
2. Repurchase of Stock:
A company may raise cash from issuing new shares. It can also use cash to buy back shares. Repurchase of stock represents the cash outflow to reacquire common stock during the period.
Credit Acceptance's repurchase of stock for the
three
months ended in Mar. 2026 was $-179 Mil.
3. Net Issuance of Debt:
Net issuance of debt is the cash a company received or spent through debt related activities such as debt issuance or debt repayment. If a company pays down its debt during the period, this number will be negative. If a company issued more debt, it receives cash and this number is positive.
Credit Acceptance's net issuance of debt for the
three
months ended in Mar. 2026 was $50 Mil.
Credit Acceptance received$50 Mil from issuing more debt.
4. Net Issuance of Preferred Stock:
A company may raise cash from issuing new preferred shares. It can also use cash to buy back preferred shares. If this number is positive, it means that the company has received more cash from issuing preferred shares than it has paid to buy back preferred shares. If this number is negative, it means that company has paid more cash to buy back preferred shares than it has received for issuing preferred shares.
Credit Acceptance's net issuance of preferred for the
three
months ended in Mar. 2026 was $0 Mil.
Credit Acceptance paid$0 Mil more to buy back preferred shares than it received from issuing preferred shares.
5. Cash Flow for Dividends:
Cash flow for dividends refers to the payment of cash to shareholders as dividends when the company generates income.
Credit Acceptance's cash flow for dividends for the
three
months ended in Mar. 2026 was $0 Mil.
Credit Acceptance received$0 Mil from paying cash dividends to shareholders.
6. Other Financing:
Money spent or earned by company from other financial activities.
Credit Acceptance's other financing for the
three
months ended in Mar. 2026 was $25 Mil.
Credit Acceptance received$25 Mil on other financial activities.
Credit Acceptance Cash Flow from Financing Related Terms
Credit Acceptance Cash Flow from Financing Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's Cash Flow from Financing can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Acceptance Cash Flow from Financing Calculation
This is the cash generated/spent from financial activities such as share issuance (buy back), debt issuance (repayment), and dividends paid to preferred and common stockholders. In the calculation of free cash flow, cash from financing is not calculated because it is not related to operating activities.
Credit Acceptance's Cash from Financing for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Financing for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1,050 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Financing of $-1,050 Mil mean?
Credit Acceptance (CACC) has a Cash Flow from Financing of $-1,050 Mil as of Mar. 2026. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Credit Acceptance and its competitors.
Is Credit Acceptance's Cash Flow from Financing too high?
Credit Acceptance's current Cash Flow from Financing is $-1,050 Mil. Overall, Credit Acceptance has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Acceptance's Cash Flow from Financing compare to ENVA and KLAR?
Credit Acceptance's Cash Flow from Financing of $-1,050 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Financing for a Credit Services company?
A good Cash Flow from Financing depends on the Credit Services industry context. However, Cash Flow from Financing should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Financing mean?
A high Cash Flow from Financing can signal that a stock is expensive relative to its fundamentals. Cash Flow from Financing is the amount of cash earned or paid from financing operations. View historical data for Credit Acceptance and its competitors. Credit Acceptance's current Cash Flow from Financing is $-1,050 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Acceptance stock overvalued right now?
Based on GuruFocus' analysis, Credit Acceptance (CACC) is currently considered Fairly Valued. The stock's GF Value™ is $611.67, compared to a current price of $587.84 — trading 3.9% below its estimated fair value. The current Cash Flow from Financing is $-1,050 Mil. Credit Acceptance's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Financing calculated?
Cash Flow from Financing is calculated from a company's financial statements. For Credit Acceptance (CACC), the current Cash Flow from Financing is $-1,050 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Acceptance (CACC) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be undervalued.
The current stock price of $587.84 is trading 3.9% below its estimated GF Value™ of $611.67.
GuruFocus considers Credit Acceptance to be Fairly Valued.
Key valuation signals for CACC:
Cash Flow from Financing: $-1,050 Mil
GF Value™: $611.67 vs. price of $587.84 (3.9% below fair value)
No single metric tells the full story. See the CACC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far a source of revenue.
73GF Score
Get the complete analysis for CACC
Cash Flow from Financing is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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