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| Date | Value |
|---|---|
| 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 |