Credit Acceptance (CACC) Total Debt (2010 - 2026)
Credit Acceptance (CACC) posted Total Debt of $107.3 million for Q4 2025, down 97.91% sequentially from $5.1 billion in Q3 2025, and down 98.0% YoY from $5.4 billion in Q4 2024.
Analysis
Credit Acceptance (CACC) Total Debt (2010 - 2026) Analysis & Trends
Credit Acceptance has reported Total Debt for 16 years, with the latest figure at $107.3 million in Q4 2025.
- Quarterly Total Debt fell 98.0% year-over-year to $107.3 million in Q4 2025, while the trailing twelve-month figure through Dec 2025 was $107.3 million (down 98.0% YoY) and the FY2025 annual result came in at $107.3 million, down 98.0% from the prior year.
- Total Debt declined to $107.3 million in Q4 2025 per CACC's latest filing, from $5.1 billion in the prior quarter.
- Over five years, Total Debt peaked at $5.6 billion in Q1 2025 and troughed at $8.9 million in Q4 2022.
- A 5-year average of $1.3 billion and a median of $250.0 million in 2021 frame the typical range for Total Debt.
- The sharpest annual moves came in 2021 and 2023: Total Debt tumbled 99.73% in 2021, then surged 44741.57% in 2023.
- Over 5 years, Total Debt stood at $9.7 million in 2021, then dropped by 8.25% to $8.9 million in 2022, then soared by 44741.57% to $4.0 billion in 2023, then surged by 34.34% to $5.4 billion in 2024, then sank by 98.0% to $107.3 million in 2025.
- According to Business Quant data, Total Debt over the past three periods registered $107.3 million, $5.1 billion, and $1.1 billion for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Total Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 23.86 Bn |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 24.64 Bn |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 59.05 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 35.62 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 15.23 Bn |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 3.33 Bn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 16.43 Bn |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | - |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 22.97 Bn |
| 10 | Credit Acceptance | 6.17 Bn | 5.68 Bn | 569.30 Mn | 5.02 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 5.02 Bn |
| Dec 31, 2025 | 5.16 Bn |
| Sep 30, 2025 | 5.13 Bn |
| Jun 30, 2025 | 5.38 Bn |
| Mar 31, 2025 | 5.62 Bn |
| Dec 31, 2024 | 5.36 Bn |
| Sep 30, 2024 | 5.26 Bn |
| Jun 30, 2024 | 4.87 Bn |
| Mar 31, 2024 | 4.44 Bn |
| Dec 31, 2023 | 3.99 Bn |
| Sep 30, 2023 | 4.03 Bn |
| Jun 30, 2023 | 250.00 Mn |
| Mar 31, 2023 | 250.00 Mn |
| Dec 31, 2022 | 3.76 Bn |
| Sep 30, 2022 | 3.63 Bn |
| Jun 30, 2022 | 250.00 Mn |
| Mar 31, 2022 | 250.00 Mn |
| Dec 31, 2021 | 3.81 Bn |
| Sep 30, 2021 | 3.73 Bn |
| Jun 30, 2021 | 250.00 Mn |