Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2026)
Credit Acceptance's (CACC) Interest Coverage Ratio was 0.31 for Q3 2026, down 86.2% from 2.28 a year earlier and down 87.8% from the prior quarter.
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Analysis
Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Credit Acceptance's Interest Coverage Ratio came in at 1.98, down 14.2% year-over-year; for FY2025, it was 2.22, up 24.4% from FY2024.
- By year, Interest Coverage Ratio came in at 1.79 in FY2024 (-25.0%), 2.38 in FY2023 (-54.9%), 5.27 in FY2022 (-39.3%) and 8.68 in FY2021 (+124.7%).
- The Q3 2026 figure ranks as the lowest quarterly Interest Coverage Ratio since Q1 2020.
- Year over year, Interest Coverage Ratio gained in six of the last eight quarters, with growth averaging 39.1%.
- The high point for year-over-year Interest Coverage Ratio in five years was Q2 2025 (growth of 324.3%); the low point was Q3 2026 (a decline of 86.2%).
- Per Business Quant data, the three quarters before Q3 2026 came in at 2.57 (Q2 2026), 2.61 (Q1 2026) and 2.38 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 3.67 |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 4.54 |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 1.15 |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 27.97 |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 2.21 |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 1.39 |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 0.31 |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | 0.31 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.31 |
| Jun 30, 2026 | 2.57 |
| Mar 31, 2026 | 2.61 |
| Dec 31, 2025 | 2.38 |
| Sep 30, 2025 | 2.28 |
| Jun 30, 2025 | 2.00 |
| Mar 31, 2025 | 2.24 |
| Dec 31, 2024 | 2.72 |
| Sep 30, 2024 | 1.96 |
| Jun 30, 2024 | 0.47 |
| Mar 31, 2024 | 1.93 |
| Dec 31, 2023 | 2.48 |
| Sep 30, 2023 | 2.37 |
| Jun 30, 2023 | 1.44 |
| Mar 31, 2023 | 3.33 |
| Dec 31, 2022 | 4.30 |
| Sep 30, 2022 | 3.92 |
| Jun 30, 2022 | 4.65 |
| Mar 31, 2022 | 8.79 |
| Dec 31, 2021 | 8.38 |
API Access
Credit Acceptance Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "CACC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();