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Consolidated Statements Of Cash Flows (USD $)
In Millions, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Cash Flows From Operating Activities:      
Net income $ 266.2us-gaap_NetIncomeLoss $ 253.1us-gaap_NetIncomeLoss $ 219.7us-gaap_NetIncomeLoss
Adjustments to reconcile cash provided by operating activities:      
Provision for credit losses 12.8us-gaap_ProvisionForLoanAndLeaseLosses 21.9us-gaap_ProvisionForLoanAndLeaseLosses 24.0us-gaap_ProvisionForLoanAndLeaseLosses
Depreciation 5.5us-gaap_Depreciation 5.4us-gaap_Depreciation 5.1us-gaap_Depreciation
Amortization 7.7us-gaap_AmortizationOfFinancingCostsAndDiscounts 7.8us-gaap_AmortizationOfFinancingCostsAndDiscounts 7.1us-gaap_AmortizationOfFinancingCostsAndDiscounts
Loss on retirement of property and equipment 0.2us-gaap_GainLossOnSaleOfPropertyPlantEquipment 0.1us-gaap_GainLossOnSaleOfPropertyPlantEquipment 0us-gaap_GainLossOnSaleOfPropertyPlantEquipment
Provision for deferred income taxes 56.1us-gaap_DeferredIncomeTaxExpenseBenefit 8.8us-gaap_DeferredIncomeTaxExpenseBenefit 25.0us-gaap_DeferredIncomeTaxExpenseBenefit
Gain (loss) on extinguishment of debt 21.8us-gaap_GainsLossesOnExtinguishmentOfDebt 0us-gaap_GainsLossesOnExtinguishmentOfDebt 0us-gaap_GainsLossesOnExtinguishmentOfDebt
Stock-based compensation 15.3us-gaap_ShareBasedCompensation 8.5us-gaap_ShareBasedCompensation 12.2us-gaap_ShareBasedCompensation
Change in operating assets and liabilities:      
Increase in accounts payable and accrued liabilities 0.6us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities 8.0us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities 10.0us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
(Increase) decrease in income taxes receivable (0.3)us-gaap_IncreaseDecreaseInIncomeTaxesReceivable 0us-gaap_IncreaseDecreaseInIncomeTaxesReceivable (0.6)us-gaap_IncreaseDecreaseInIncomeTaxesReceivable
Increase in income taxes payable (17.0)us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable 13.6us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable 4.8us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable
(Increase) decrease in other assets (3.7)us-gaap_IncreaseDecreaseInOtherOperatingAssets (1.5)us-gaap_IncreaseDecreaseInOtherOperatingAssets 1.3us-gaap_IncreaseDecreaseInOtherOperatingAssets
Net cash provided by operating activities 365.2us-gaap_NetCashProvidedByUsedInOperatingActivities 325.7us-gaap_NetCashProvidedByUsedInOperatingActivities 308.6us-gaap_NetCashProvidedByUsedInOperatingActivities
Cash Flows From Investing Activities:      
(Increase) decrease in restricted cash and cash equivalents (46.3)us-gaap_IncreaseDecreaseInRestrictedCash (18.9)us-gaap_IncreaseDecreaseInRestrictedCash 12.3us-gaap_IncreaseDecreaseInRestrictedCash
Purchases of restricted securities available for sale (65.4)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (105.7)us-gaap_PaymentsToAcquireAvailableForSaleSecurities (57.1)us-gaap_PaymentsToAcquireAvailableForSaleSecurities
Proceeds from sale of restricted securities available for sale 15.9us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities 11.6us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities 2.0us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities
Maturities of restricted securities available for sale 49.6us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 86.2us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities 9.6us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
Principal collected on Loans receivable 1,540.1us-gaap_ProceedsFromCollectionOfLoansReceivable 1,334.4us-gaap_ProceedsFromCollectionOfLoansReceivable 1,162.8us-gaap_ProceedsFromCollectionOfLoansReceivable
Advances to Dealers (1,471.4)cacc_AdvancesToDealers (1,356.6)cacc_AdvancesToDealers (1,253.6)cacc_AdvancesToDealers
Purchases of Consumer Loans (204.3)us-gaap_PaymentsToAcquireLoansReceivable (124.0)us-gaap_PaymentsToAcquireLoansReceivable (108.8)us-gaap_PaymentsToAcquireLoansReceivable
Accelerated payments of Dealer Holdback (41.7)cacc_AcceleratedPaymentsOfDealerHoldback (40.4)cacc_AcceleratedPaymentsOfDealerHoldback (43.7)cacc_AcceleratedPaymentsOfDealerHoldback
Payments of Dealer Holdback (135.5)cacc_PaymentsOfDealerHoldback (114.2)cacc_PaymentsOfDealerHoldback (115.7)cacc_PaymentsOfDealerHoldback
Net (increase) decrease in other loans (0.1)us-gaap_ProceedsFromCollectionOfOtherReceivables (0.4)us-gaap_ProceedsFromCollectionOfOtherReceivables 0.1us-gaap_ProceedsFromCollectionOfOtherReceivables
Purchases of property and equipment (4.3)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (5.6)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (8.8)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment
Net cash used in investing activities (363.4)us-gaap_NetCashProvidedByUsedInInvestingActivities (333.6)us-gaap_NetCashProvidedByUsedInInvestingActivities (400.9)us-gaap_NetCashProvidedByUsedInInvestingActivities
Cash Flows From Financing Activities:      
Borrowings under revolving secured line of credit 2,796.2us-gaap_ProceedsFromLongTermLinesOfCredit 2,816.6us-gaap_ProceedsFromLongTermLinesOfCredit 2,507.4us-gaap_ProceedsFromLongTermLinesOfCredit
Repayments under revolving secured line of credit (2,779.5)us-gaap_RepaymentsOfLongTermLinesOfCredit (2,757.3)us-gaap_RepaymentsOfLongTermLinesOfCredit (2,507.8)us-gaap_RepaymentsOfLongTermLinesOfCredit
Proceeds from secured financing 1,754.7us-gaap_ProceedsFromIssuanceOfSecuredDebt 1,004.7us-gaap_ProceedsFromIssuanceOfSecuredDebt 1,742.0us-gaap_ProceedsFromIssuanceOfSecuredDebt
Repayments of secured financing (1,357.3)us-gaap_RepaymentsOfSecuredDebt (922.1)us-gaap_RepaymentsOfSecuredDebt (1,488.3)us-gaap_RepaymentsOfSecuredDebt
Proceeds from issuance of senior notes 300.0us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt 0us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt 0us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt
Repayments of senior notes (350.0)us-gaap_RepaymentsOfSeniorDebt 0us-gaap_RepaymentsOfSeniorDebt 0us-gaap_RepaymentsOfSeniorDebt
Principal payments under mortgage note (3.8)us-gaap_RepaymentsOfOtherDebt (0.2)us-gaap_RepaymentsOfOtherDebt (0.3)us-gaap_RepaymentsOfOtherDebt
Payments of debt issuance costs (30.4)us-gaap_PaymentsOfDebtIssuanceCosts (5.3)us-gaap_PaymentsOfDebtIssuanceCosts (6.5)us-gaap_PaymentsOfDebtIssuanceCosts
Repurchase of common stock (343.7)us-gaap_PaymentsForRepurchaseOfCommonStock (135.2)us-gaap_PaymentsForRepurchaseOfCommonStock (152.5)us-gaap_PaymentsForRepurchaseOfCommonStock
Proceeds from stock options exercised 0.6us-gaap_ProceedsFromStockOptionsExercised 0.6us-gaap_ProceedsFromStockOptionsExercised 0.6us-gaap_ProceedsFromStockOptionsExercised
Tax benefits from stock-based compensation plans 13.6us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities 1.3us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities 2.0us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
Net cash provided by financing activities 0.4us-gaap_NetCashProvidedByUsedInFinancingActivities 3.1us-gaap_NetCashProvidedByUsedInFinancingActivities 96.6us-gaap_NetCashProvidedByUsedInFinancingActivities
Net (decrease) increase in cash and cash equivalents 2.2us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease (4.8)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 4.3us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Cash and cash equivalents, beginning of period 4.2us-gaap_CashAndCashEquivalentsAtCarryingValue 9.0us-gaap_CashAndCashEquivalentsAtCarryingValue 4.7us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash and cash equivalents, end of period 6.4us-gaap_CashAndCashEquivalentsAtCarryingValue 4.2us-gaap_CashAndCashEquivalentsAtCarryingValue 9.0us-gaap_CashAndCashEquivalentsAtCarryingValue
Supplemental Cash Flow Information [Abstract]      
Cash paid during the period for interest 55.2us-gaap_InterestPaidNet 57.5us-gaap_InterestPaidNet 56.2us-gaap_InterestPaidNet
Cash paid during the period for income taxes $ 99.9us-gaap_IncomeTaxesPaidNet $ 119.6us-gaap_IncomeTaxesPaidNet $ 92.4us-gaap_IncomeTaxesPaidNet