Credit Acceptance (CACC) Times Interest Earned (2010 - 2026)
Credit Acceptance's Times Interest Earned was 0.31 in 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) Times Interest Earned (2010 - 2026) Analysis & Trends
On a trailing twelve-month basis, Credit Acceptance's Times Interest Earned was 1.98 through Sep 30, 2026, down 14.2% year-over-year; for FY2025, it was 2.22, up 24.4% from FY2024.
- In earlier years, Times Interest Earned was 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 marks the lowest quarterly Times Interest Earned since Q1 2020.
- Compared with a year earlier, Times Interest Earned was higher in six of the last eight quarters, with growth averaging 39.1%.
- The best year-over-year quarter for Times Interest Earned over five years was Q2 2025 (growth of 324.3%); the worst was Q3 2026 (a decline of 86.2%).
- Per Business Quant data, CACC's Times Interest Earned in the three quarters before Q3 2026 was 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) | Times Interest Earned (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 Times Interest Earned 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=times-interest-earned&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();