Credit Acceptance (CACC) Interest Coverage Ratio (2010 - 2026)

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.