Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2025)

Credit Acceptance has disclosed Interest Coverage Ratio across 16 years of filings, most recently posting 1.23 for Q4 2025.

• Interest Coverage Ratio for Q4 2025 came in at 1.23, up 108.23% year-over-year; the trailing twelve-month figure through Dec 2025 was 0.7 (up 71.19% YoY), and the FY2025 annual result was 1.07, up 189.52% from the prior year.
• Interest Coverage Ratio came in at 1.23 for Q4 2025 at Credit Acceptance, up from 3.73 in the prior quarter.
• In the past five years, Interest Coverage Ratio ranged from a high of 8.8 in Q2 2021 to a low of 14.92 in Q4 2024.
• The 5-year median for Interest Coverage Ratio is 1.56 (2023), against an average of 1.25.
• Peak annual rise in Interest Coverage Ratio reached 278.73% in 2024, while the deepest fall reached 271.89% in 2024.
• Credit Acceptance's Interest Coverage Ratio stood at 3.99 in 2021, then plunged by 35.5% to 5.41 in 2022, then surged by 260.36% to 8.68 in 2023, then tumbled by 271.89% to 14.92 in 2024, then soared by 108.23% to 1.23 in 2025.
• The last three Interest Coverage Ratio figures came in at 1.23 (Q4 2025), 3.73 (Q3 2025), and 0.83 (Q2 2025), per Business Quant data.