Credit Acceptance (CACC) Times Interest Earned (2010 - 2026)
Credit Acceptance's (CACC) quarterly Times Interest Earned came in at 1.4 in Q2 2026, up 68.87% year-over-year from 0.83 in Q2 2025, and down 4.58% quarter-over-quarter from 1.47 in Q1 2026.
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Credit Acceptance (CACC) Times Interest Earned (2010 - 2026) Analysis & Trends
Credit Acceptance has disclosed Times Interest Earned across 17 years of filings, most recently posting 1.4 for Q2 2026.
- In Q2 2026, Times Interest Earned rose 68.87% year-over-year to 1.4; the TTM figure through Jun 2026 stood at 1.3 (up 21.87% YoY), while the FY2025 annual figure was 1.07, up 74.77% from the prior year.
- Times Interest Earned came in at 1.4 for Q2 2026 at Credit Acceptance, down from 1.47 in the prior quarter.
- In the past five years, Times Interest Earned ranged from a high of 7.55 in Q1 2022 to a low of 0.72 in Q2 2024.
- Average Times Interest Earned over 5 years is 1.7, with a median of 1.25 recorded in 2023.
- Year-over-year, Times Interest Earned plunged 654.05% in 2024 and surged 214.7% in 2025.
- Over 5 years, Times Interest Earned stood at 3.05 in 2022, then sank by 58.46% to 1.27 in 2023, then gained by 23.58% to 1.57 in 2024, then dropped by 21.51% to 1.23 in 2025, then climbed by 14.07% to 1.4 in 2026.
- Per Business Quant data, the three most recent Times Interest Earned figures were 1.4 in Q2 2026, 1.47 in Q1 2026, and 1.23 in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.07 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.40 |
| Mar 31, 2026 | 1.47 |
| Dec 31, 2025 | 1.23 |
| Sep 30, 2025 | 1.12 |
| Jun 30, 2025 | 0.83 |
| Mar 31, 2025 | 1.10 |
| Dec 31, 2024 | 1.57 |
| Sep 30, 2024 | 0.79 |
| Jun 30, 2024 | -0.72 |
| Mar 31, 2024 | 0.75 |
| Dec 31, 2023 | 1.27 |
| Sep 30, 2023 | 1.13 |
| Jun 30, 2023 | 0.13 |
| Mar 31, 2023 | 2.00 |
| Dec 31, 2022 | 3.05 |
| Sep 30, 2022 | 2.61 |
| Jun 30, 2022 | 3.34 |
| Mar 31, 2022 | 7.55 |
| Dec 31, 2021 | 7.13 |
| Sep 30, 2021 | 8.10 |