Credit Acceptance annual debt-to-ebitda ratio
2011
2012
2013
2014
2022
2023
2024
2025
Credit Acceptance Debt-to-EBITDA Ratio Growth & History (CACC)
Credit Acceptance's debt-to-ebitda ratio was 11.17 for fiscal 2025.
View full Credit Acceptance company overviewCredit Acceptance annual debt-to-ebitda ratio history
| Fiscal year | Period ended | Debt-to-EBITDA ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 11.17 | −7.73 | −40.90% |
| 2024 | 2024-12-31 | 18.90 | 5.44 | +40.39% |
| 2023 | 2023-12-31 | 13.46 | 7.09 | +111.30% |
| 2022 | 2022-12-31 | 6.37 | — | — |
| 2014 | 2014-12-31 | 4.11 | 0.66 | +19.13% |
| 2013 | 2013-12-31 | 3.45 | −0.14 | −3.96% |
| 2012 | 2012-12-31 | 3.59 | 0.27 | +8.17% |
| 2011 | 2011-12-31 | 3.32 | — | — |
Credit Acceptance quarterly debt-to-ebitda ratio
Q4.11
Q3.12
Q4.12
Q3.13
Q4.13
Q1.14
Q2.14
Q3.14
Q4.14
Q1.19
Q2.19
Q3.19
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-EBITDA ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 9.64 | −1.87 | −16.24% |
| Q1 2026 | 2026-03-31 | 10.65 | — | — |
| Q4 2025 | 2025-12-31 | 11.17 | — | — |
| Q3 2025 | 2025-09-30 | 10.54 | — | — |
| Q2 2025 | 2025-06-30 | 11.50 | — | — |
| Q3 2019 | 2019-09-30 | 0.00 | — | — |
| Q2 2019 | 2019-06-30 | 0.00 | — | — |
| Q1 2019 | 2019-03-31 | 0.00 | — | — |
| Q4 2014 | 2014-12-31 | 4.11 | 0.66 | +19.13% |
| Q3 2014 | 2014-09-30 | 4.02 | 0.35 | +9.66% |
| Q2 2014 | 2014-06-30 | 4.14 | — | — |
| Q1 2014 | 2014-03-31 | 4.01 | — | — |
| Q4 2013 | 2013-12-31 | 3.45 | −0.14 | −3.96% |
| Q3 2013 | 2013-09-30 | 3.66 | −0.09 | −2.39% |
| Q4 2012 | 2012-12-31 | 3.59 | 0.27 | +8.17% |
| Q3 2012 | 2012-09-30 | 3.75 | — | — |
| Q4 2011 | 2011-12-31 | 3.32 | — | — |
Credit Acceptance debt-to-ebitda ratio trends
Between the periods ended 2011-12-31 and 2025-12-31, Credit Acceptance's debt-to-ebitda ratio increased from 3.32 to 11.17, a change of 7.85. The latest reported quarter, Q2 2026, shows 9.64.
About the metric
What the debt-to-EBITDA ratio means
Debt-to-EBITDA compares interest-bearing debt with operating earnings before interest, taxes, depreciation, and amortization. It is commonly used to assess leverage, but it is generally unsuitable for banks and other financial companies.
Calculation and source
How debt-to-EBITDA is calculated
TickerStat divides period-end total debt by annual EBITDA. Quarterly observations use trailing-12-month EBITDA. Periods with zero or negative EBITDA are excluded because the leverage multiple would not be meaningful. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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