Credit Acceptance (CACC) Interest Expenses (2010 - 2025)
Credit Acceptance (CACC) posted Interest Expenses of $113.8 million for Q4 2025, down 2.15% sequentially from $116.3 million in Q3 2025, and up 2.25% YoY from $111.3 million in Q4 2024.
Credit Acceptance (CACC) Interest Expenses (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of Interest Expenses data on file, last reported at $113.8 million in Q4 2025.
- Quarterly Interest Expenses rose 2.25% year-over-year to $113.8 million in Q4 2025, while the trailing twelve-month figure through Dec 2025 was $462.9 million (up 10.35% YoY) and the FY2025 annual result came in at $462.9 million, up 10.35% from the prior year.
- Interest Expenses eased to $113.8 million in Q4 2025 per CACC's latest filing, from $116.3 million in the prior quarter.
- The five-year high for Interest Expenses was $118.1 million in Q2 2025, with the low at $36.5 million in Q1 2022.
- Average Interest Expenses over 5 years is $74.0 million, with a median of $66.6 million recorded in 2023.
- Year-over-year, Interest Expenses dropped 16.67% in 2022 and soared 70.04% in 2024.
- Credit Acceptance's Interest Expenses stood at $38.6 million in 2021, then increased by 27.98% to $49.4 million in 2022, then soared by 59.51% to $78.8 million in 2023, then jumped by 41.24% to $111.3 million in 2024, then advanced by 2.25% to $113.8 million in 2025.
- Business Quant data shows CACC's Interest Expenses at $113.8 million in Q4 2025, $116.3 million in Q3 2025, and $118.1 million in Q2 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Int Expense (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 178.00 Mn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 185.00 Mn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 1.97 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 113.76 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 308.01 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 1.52 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 113.80 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 3.02 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 113.80 Mn |
| Dec 31, 2025 | 113.80 Mn |
| Sep 30, 2025 | 116.30 Mn |
| Sep 30, 2025 | 116.30 Mn |
| Jun 30, 2025 | 118.10 Mn |
| Jun 30, 2025 | 118.10 Mn |
| Mar 31, 2025 | 114.70 Mn |
| Mar 31, 2025 | 114.70 Mn |
| Dec 31, 2024 | 111.30 Mn |
| Dec 31, 2024 | 111.30 Mn |
| Sep 30, 2024 | 111.20 Mn |
| Sep 30, 2024 | 111.20 Mn |
| Jun 30, 2024 | 104.50 Mn |
| Jun 30, 2024 | 104.50 Mn |
| Mar 31, 2024 | 92.50 Mn |
| Mar 31, 2024 | 92.50 Mn |
| Dec 31, 2023 | 78.80 Mn |
| Dec 31, 2023 | 78.80 Mn |
| Sep 30, 2023 | 70.50 Mn |
| Sep 30, 2023 | 70.50 Mn |