Credit Acceptance (CACC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Credit Acceptance had a P/E ratio of 11.54 (down from 22.94), return on equity of 25.9% (up from 14.1%), debt-to-equity of 4.17 (up from 3.63) and a current ratio of 3.29 (down from 20.09). A current ratio of 3.29 means current assets exceed current liabilities.

Credit Acceptance Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	11.54	22.94	23.40	11.44	10.70	14.64
Forward P/E	11.01	13.48	15.53	10.89	14.45	11.76
P/S Ratio	3.95	6.13	7.45	5.18	6.09	6.70
P/B Ratio	3.21	3.25	3.82	3.78	5.62	2.68
Price/Tangible Book	3.21	3.25	3.82	3.78	5.62	2.68
Price/FCF	4.65	5.00	5.58	4.96	9.66	6.31
Price/OCF	4.64	5.00	5.56	4.95	9.59	6.26
PEG Ratio	1.82	1.82	1.82	1.82	1.82	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	25.90%	14.15%	16.94%	31.08%	46.44%	18.08%
Return on Assets (ROA)	4.85%	3.01%	3.94%	7.68%	13.18%	5.65%
Return on Invested Capital (ROIC)	5.32%	3.56%	4.41%	8.47%	14.36%	6.18%
Leverage & Solvency Ratios
Debt/Equity	4.17	3.63	2.89	2.83	2.53	2.00
Debt/FCF	6.04	5.59	4.22	3.71	4.35	4.72
Liquidity Ratios
Current Ratio	3.29	20.09	18.59	25.54	39.27	39.23
Quick Ratio	3.10	18.93	17.44	23.98	36.92	37.19
Efficiency Ratios
Asset Turnover	0.14	0.11	0.12	0.17	0.23	0.12
Yield & Distribution Ratios
Earnings Yield	8.67%	4.36%	4.27%	8.74%	9.34%	6.83%
FCF Yield	21.53%	19.98%	17.92%	20.15%	10.35%	15.84%
Buyback Yield	6.56%	4.16%	4.51%	15.38%	10.23%	5.49%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Credit Acceptance Financial Ratios

What is Credit Acceptance's P/E ratio?

Credit Acceptance's P/E ratio was 11.54 for fiscal 2025 (period ended Dec 31, 2025). It was 22.94 a year earlier.

What is Credit Acceptance's return on equity?

Credit Acceptance's return on equity (ROE) was 25.9% for fiscal 2025 (period ended Dec 31, 2025). It was 14.1% a year earlier.

What is Credit Acceptance's debt-to-equity ratio?

Credit Acceptance's debt-to-equity ratio was 4.17 for fiscal 2025 (period ended Dec 31, 2025). It was 3.63 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition