Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2026)
Credit Acceptance (CACC) posted Interest Coverage Ratio of 9.4 for Q4 2025, down 155.42% sequentially from 3.68 in Q3 2025, and up 57.67% YoY from 5.96 in Q4 2024.
Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Credit Acceptance has reported Interest Coverage Ratio for 16 years, with the latest figure at 9.4 in Q4 2025.
- Quarterly Interest Coverage Ratio rose 57.67% year-over-year to 9.4 in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 3.62 (up 29.87% YoY) and the FY2025 annual result came in at 3.73, up 13.5% from the prior year.
- Interest Coverage Ratio eased to 9.4 in Q4 2025 per CACC's latest filing, from 3.68 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 9.43 in Q1 2022 and troughed at 31.48 in Q4 2021.
- A 5-year average of 3.0 and a median of 0.49 in 2023 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2024: Interest Coverage Ratio soared 510.03% in 2022, then sank 4420.29% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 31.48 in 2021, then jumped by 115.89% to 5.0 in 2022, then tumbled by 470.72% to 18.55 in 2023, then decreased by 19.73% to 22.21 in 2024, then jumped by 57.67% to 9.4 in 2025.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 9.4, 3.68, and 0.83 for Q4 2025, Q3 2025, and Q2 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Credit Acceptance | 6.11 Bn | 5.62 Bn | 569.30 Mn | 1.40 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 215.00 |
| Dec 31, 2025 | -9.40 |
| Sep 30, 2025 | -3.68 |
| Jun 30, 2025 | 0.83 |
| Mar 31, 2025 | -1.12 |
| Dec 31, 2024 | -22.21 |
| Sep 30, 2024 | 0.79 |
| Jun 30, 2024 | -5.64 |
| Mar 31, 2024 | 3.94 |
| Dec 31, 2023 | -18.55 |
| Sep 30, 2023 | 4.99 |
| Jun 30, 2023 | 0.13 |
| Mar 31, 2023 | -6.02 |
| Dec 31, 2022 | 5.00 |
| Sep 30, 2022 | 2.61 |
| Jun 30, 2022 | 8.44 |
| Mar 31, 2022 | 9.43 |
| Dec 31, 2021 | -31.48 |
| Sep 30, 2021 | 8.10 |
| Jun 30, 2021 | -2.06 |