Credit Acceptance (CACC) Asset Utilization Ratio (2011 - 2025)

Credit Acceptance (CACC) posted Asset Utilization Ratio of 0.14 for Q4 2025, up 240.14% sequentially from 0.1 in Q3 2025, and up 394.38% YoY from 0.03 in Q4 2024.

Credit Acceptance (CACC) Asset Utilization Ratio (2011 - 2025) Analysis & Trends

Credit Acceptance (CACC) has 15 years of Asset Utilization Ratio data on file, last reported at 0.14 in Q4 2025.

  • Quarterly Asset Utilization Ratio rose 394.38% year-over-year to 0.14 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.14 (up 394.38% YoY) and the FY2025 annual result came in at 0.27, up 2170.38% from the prior year.
  • Asset Utilization Ratio grew to 0.14 in Q4 2025 per CACC's latest filing, from 0.1 in the prior quarter.
  • The five-year high for Asset Utilization Ratio was 0.18 in Q3 2021, with the low at 0.1 in Q3 2025.
  • Average Asset Utilization Ratio over 5 years is 0.06, with a median of 0.07 recorded in 2023.
  • Year-over-year, Asset Utilization Ratio soared 1287.89% in 2024 and slumped 176.77% in 2025.
  • Credit Acceptance's Asset Utilization Ratio stood at 0.13 in 2021, then plunged by 93.2% to 0.01 in 2022, then jumped by 687.98% to 0.07 in 2023, then plunged by 166.53% to 0.05 in 2024, then jumped by 394.38% to 0.14 in 2025.
  • Business Quant data shows CACC's Asset Utilization Ratio at 0.14 in Q4 2025, 0.1 in Q3 2025, and 0.04 in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Asset Util. (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 0.45
2 Mastercard 465.55 Bn 455.34 Bn - 0.64
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 0.24
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 0.42
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.16
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 0.08
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.04
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 0.14
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 0.00
10 Sezzle 5.91 Bn 5.79 Bn - 1.13

Historic Data

Download Data
DateValue
Dec 31, 2025 0.14
Sep 30, 2025 -0.10
Jun 30, 2025 -0.04
Mar 31, 2025 -0.10
Dec 31, 2024 -0.05
Sep 30, 2024 0.13
Jun 30, 2024 0.13
Mar 31, 2024 0.13
Dec 31, 2023 0.07
Sep 30, 2023 0.07
Jun 30, 2023 0.01
Mar 31, 2023 0.01
Dec 31, 2022 0.01
Sep 30, 2022 0.01
Jun 30, 2022 0.01
Mar 31, 2022 0.07
Dec 31, 2021 0.13
Sep 30, 2021 0.18
Jun 30, 2021 0.18
Mar 31, 2021 0.12