Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2025)
Credit Acceptance (CACC) posted Interest Coverage Ratio of 1.23 for Q4 2025, up 132.9% sequentially from 3.73 in Q3 2025, and up 108.23% YoY from 0.59 in Q4 2024.
Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of Interest Coverage Ratio data on file, last reported at 1.23 in Q4 2025.
- Quarterly Interest Coverage Ratio rose 108.23% year-over-year to 1.23 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 0.7 (up 71.19% YoY) and the FY2025 annual result came in at 1.07, up 189.52% from the prior year.
- Interest Coverage Ratio rose to 1.23 in Q4 2025 per CACC's latest filing, from 3.73 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 8.8 in Q2 2021, with the low at 14.92 in Q4 2024.
- Average Interest Coverage Ratio over 5 years is 1.25, with a median of 1.56 recorded in 2023.
- The widest YoY moves for Interest Coverage Ratio: up 278.73% in 2024, down 271.89% in 2024.
- Credit Acceptance's Interest Coverage Ratio stood at 3.99 in 2021, then sank by 35.5% to 5.41 in 2022, then surged by 260.36% to 8.68 in 2023, then plunged by 271.89% to 14.92 in 2024, then soared by 108.23% to 1.23 in 2025.
- Business Quant data shows CACC's Interest Coverage Ratio at 1.23 in Q4 2025, 3.73 in Q3 2025, and 0.83 in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 40.64 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 26.52 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 1.80 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.78 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.12 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.49 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 1.23 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 22.90 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 1.23 |
| Sep 30, 2025 | -3.73 |
| Jun 30, 2025 | 0.83 |
| Mar 31, 2025 | -1.12 |
| Dec 31, 2024 | -14.92 |
| Sep 30, 2024 | 3.62 |
| Jun 30, 2024 | -1.15 |
| Mar 31, 2024 | 3.87 |
| Dec 31, 2023 | 8.68 |
| Sep 30, 2023 | 1.05 |
| Jun 30, 2023 | -1.97 |
| Mar 31, 2023 | -2.17 |
| Dec 31, 2022 | -5.41 |
| Sep 30, 2022 | -8.17 |
| Jun 30, 2022 | -8.02 |
| Mar 31, 2022 | -4.84 |
| Dec 31, 2021 | -3.99 |
| Sep 30, 2021 | -3.33 |
| Jun 30, 2021 | 8.80 |
| Mar 31, 2021 | 5.83 |