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Credit Acceptance CACC Interest coverage

Interest coverage at other companies

Carvana logo
CarvanaCVNA
4.4×+2.4×
Enova International logo
Enova InternationalENVA
2.2×+0.1×
Penske Automotive Group logo
Penske Automotive GroupPAG
12.9×-2.6×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
+0.8×
Capital One Financial logo
Capital One FinancialCOF
1.2×-0.2×
CarMax logo
CarMaxKMX
6.8×+0.4×

Other financials

Income statement

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Revenue$580.0M+1.6%
Net income$135.8M+27.8%
EPS (diluted)$12.40+43.2%

Balance sheet

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Cash & equivalents$551.4M-50.8%
Total equity$1.5B-11.5%
Total assets$8.7B-6.1%

Cash flow

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Operating cash flow$346.8M+0.2%
CapEx$1.3M+333%
Free cash flow$345.5M-0.1%

Valuation

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Market cap$6.06B-26.7%

Profitability

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Net margin19.5%+6.5pp
FCF margin45.3%-7.4pp

Returns & leverage

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Return on equity28.1%+10.9pp
Debt / equity

Where this comes from

Calculated from Credit Acceptance’s reported figures.

Based on trailing twelve months.

The official record: Credit Acceptance’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Credit Acceptance's interest coverage?
Credit Acceptance (CACC) reported interest coverage of 2.3× in Q1 2026.
How has Credit Acceptance's interest coverage changed year-over-year?
Credit Acceptance's interest coverage increased by 23.5% year-over-year, from 1.9× to 2.3×.
What is the long-term trend for Credit Acceptance's interest coverage?
Over 5 years (2020 to 2025), Credit Acceptance's interest coverage has grown at a -10.5% compound annual growth rate (CAGR), from 3.9× to 2.2×.
What does interest coverage mean?
Trailing-twelve-month operating income (EBIT) divided by interest expense. Measures how many times over the company can cover its interest payments from operating profit.