Credit Acceptance (CACC) Return on Invested Capital [ROIC] (2009 - 2026)
Credit Acceptance's Return on Invested Capital [ROIC] came in at 8.53% for Q3 2026, down 1.51 percentage points from 10.04% a year earlier and down 2.19 percentage points from the prior quarter.
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Analysis
Credit Acceptance (CACC) Return on Invested Capital [ROIC] (2009 - 2026) Analysis & Trends
For FY2025, Credit Acceptance's Return on Invested Capital [ROIC] was 9.65%, up 2.10 percentage points from FY2024.
- Return on Invested Capital [ROIC] carries a five-year change of +1.42 percentage points (FY2020 to FY2025).
- Going back by year, Return on Invested Capital [ROIC] was 7.55% in FY2024 (-0.02 pp), 7.57% in FY2023 (-2.88 pp), 10.45% in FY2022 (-5.77 pp) and 16.22% in FY2021 (+7.99 pp).
- The Q3 2026 figure represents the lowest quarterly Return on Invested Capital [ROIC] since Q1 2025.
- Year-over-year, Return on Invested Capital [ROIC] increased in six of the last eight quarters, with an average year-over-year change of +1.59 percentage points.
- The fastest year-over-year change in Return on Invested Capital [ROIC] over five years came in Q4 2021 (a gain of 8.45 percentage points), and the weakest in Q1 2023 (a drop of 8.14 percentage points).
- Business Quant data shows CACC's Return on Invested Capital [ROIC] at 10.72% (Q2 2026), 10.12% (Q1 2026) and 9.74% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | 3.67% |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | - |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 2.77% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | 2.85% |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | 11.12% |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | 6.19% |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 25.70% |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | 12.15% |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | - |
| 10 | Credit Acceptance | 5.22 Bn | 4.71 Bn | 577.00 Mn | 8.53% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 8.53% |
| Jun 30, 2026 | 10.72% |
| Mar 31, 2026 | 10.12% |
| Dec 31, 2025 | 9.74% |
| Sep 30, 2025 | 10.04% |
| Jun 30, 2025 | 9.38% |
| Mar 31, 2025 | 7.54% |
| Dec 31, 2024 | 7.04% |
| Sep 30, 2024 | 6.22% |
| Jun 30, 2024 | 5.95% |
| Mar 31, 2024 | 6.88% |
| Dec 31, 2023 | 7.33% |
| Sep 30, 2023 | 7.66% |
| Jun 30, 2023 | 7.65% |
| Mar 31, 2023 | 8.87% |
| Dec 31, 2022 | 10.64% |
| Sep 30, 2022 | 11.86% |
| Jun 30, 2022 | 14.28% |
| Mar 31, 2022 | 17.01% |
| Dec 31, 2021 | 16.66% |
API Access
Credit Acceptance Return on Invested Capital [ROIC] 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=return-on-invested-capital-%5Broic%5D&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "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=return-on-invested-capital-%5Broic%5D&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();