Credit Acceptance (CACC) Asset Utilization Ratio (2011 - 2026)
Credit Acceptance (CACC) posted Asset Utilization Ratio of 0.08 for Q4 2025, up 175.81% sequentially from 0.1 in Q3 2025, and up 259.26% YoY from 0.02 in Q4 2024.
Credit Acceptance (CACC) Asset Utilization Ratio (2011 - 2026) Analysis & Trends
Credit Acceptance has reported Asset Utilization Ratio for 15 years, with the latest figure at 0.08 in Q4 2025.
- Quarterly Asset Utilization Ratio rose 259.26% year-over-year to 0.08 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.08 (up 259.26% YoY) and the FY2025 annual result came in at 0.01, down 6.33% from the prior year.
- Asset Utilization Ratio climbed to 0.08 in Q4 2025 per CACC's latest filing, from 0.1 in the prior quarter.
- Over five years, Asset Utilization Ratio peaked at 0.27 in Q4 2022 and troughed at 0.12 in Q4 2021.
- A 5-year average of 0.04 and a median of 0.01 in 2022 frame the typical range for Asset Utilization Ratio.
- The sharpest annual moves came in 2023 and 2025: Asset Utilization Ratio jumped 3227.88% in 2023, then slumped 684.81% in 2025.
- Over 5 years, Asset Utilization Ratio stood at 0.12 in 2021, then jumped by 327.41% to 0.27 in 2022, then slumped by 117.9% to 0.05 in 2023, then retreated by 0.2% to 0.05 in 2024, then surged by 259.26% to 0.08 in 2025.
- According to Business Quant data, Asset Utilization Ratio over the past three periods registered 0.08, 0.1, and 0.04 for Q4 2025, Q3 2025, and Q2 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 0.47 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 0.64 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 0.25 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 0.08 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 0.42 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 0.16 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.16 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 0.08 |
| 10 | Credit Acceptance | 6.11 Bn | 5.62 Bn | 569.30 Mn | 0.27 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 0.27 |
| Dec 31, 2025 | 0.08 |
| Sep 30, 2025 | -0.10 |
| Jun 30, 2025 | -0.04 |
| Mar 31, 2025 | -0.10 |
| Dec 31, 2024 | -0.05 |
| Sep 30, 2024 | -0.03 |
| Jun 30, 2024 | -0.04 |
| Mar 31, 2024 | 0.02 |
| Dec 31, 2023 | -0.05 |
| Sep 30, 2023 | 0.20 |
| Jun 30, 2023 | 0.20 |
| Mar 31, 2023 | 0.20 |
| Dec 31, 2022 | 0.27 |
| Sep 30, 2022 | 0.01 |
| Jun 30, 2022 | 0.01 |
| Mar 31, 2022 | -0.06 |
| Dec 31, 2021 | -0.12 |
| Sep 30, 2021 | 0.13 |
| Jun 30, 2021 | 0.12 |