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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Credit Acceptance (CACC) Interest Coverage Ratio (2016 - 2025)

Credit Acceptance's Interest Coverage Ratio history spans 16 years, with the latest figure at 23.4 for Q4 2025.

  • For Q4 2025, Interest Coverage Ratio fell 201.67% year-over-year to 23.4; the TTM value through Dec 2025 reached 3.73, down 182.04%, while the annual FY2025 figure was 3.73, 198.65% down from the prior year.
  • Interest Coverage Ratio for Q4 2025 was 23.4 at Credit Acceptance, down from 3.59 in the prior quarter.
  • Across five years, Interest Coverage Ratio topped out at 23.01 in Q4 2024 and bottomed at 39.58 in Q4 2021.
  • The 5-year median for Interest Coverage Ratio is 0.51 (2023), against an average of 1.92.
  • The largest annual shift saw Interest Coverage Ratio plummeted 4457.67% in 2024 before it soared 413.11% in 2025.
  • A 5-year view of Interest Coverage Ratio shows it stood at 39.58 in 2021, then surged by 119.12% to 7.57 in 2022, then plummeted by 219.8% to 9.07 in 2023, then surged by 353.8% to 23.01 in 2024, then plummeted by 201.67% to 23.4 in 2025.
  • Per Business Quant, the three most recent readings for CACC's Interest Coverage Ratio are 23.4 (Q4 2025), 3.59 (Q3 2025), and 0.83 (Q2 2025).