Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.36 | — | 12.57 | 8.54 | 10.09 | 12.38 | 17.16 | 14.91 | 9.57 | 17.46 | — | 27.14 | 18.27 | 21.18 | 75.14 | 14.32 | 12.38 | 16.87 | 14.91 | 9.21 | 11.78 |
| — | — | -26.7% | -42.7% | +5.4% | -29.1% | — | -45.1% | -47.6% | -17.6% | — | +89.5% | +47.6% | +25.6% | +404.1% | +55.5% | +5.1% | +82.2% | +125.6% | +20.9% | +28.3% | |
| P/S Ratio | 2.91 | 2.84 | 3.56 | 2.46 | 2.64 | 2.32 | 2.60 | 2.82 | 2.61 | 2.53 | 2.97 | 3.48 | 3.52 | 3.17 | 3.52 | 3.17 | 3.46 | 3.20 | 3.51 | 4.33 | 5.54 |
| — | +22.1% | +36.7% | -12.8% | +1.3% | -8.2% | -12.4% | -18.9% | -26.0% | -20.2% | -15.5% | +9.5% | +1.7% | -0.8% | +0.3% | -26.7% | -37.5% | -35.1% | -13.2% | +26.8% | +62.1% | |
| P/B Ratio | 3.92 | 3.98 | 4.30 | 3.06 | 3.23 | 3.39 | 3.86 | 3.71 | 3.32 | 3.34 | 4.07 | 4.22 | 3.90 | 3.53 | 3.81 | 3.31 | 3.88 | 3.68 | 4.21 | 4.85 | 5.62 |
| — | +17.3% | +11.5% | -17.3% | -2.8% | +1.5% | -5.1% | -12.2% | -14.8% | -5.2% | +6.7% | +27.6% | +0.4% | -4.2% | -9.5% | -31.7% | -30.9% | -22.3% | +32.1% | +86.4% | +112.0% | |
| P/FCF | 4.41 | 4.14 | 5.55 | 3.36 | 4.58 | 4.48 | 10.75 | 4.58 | 4.76 | 4.34 | 7.76 | 5.63 | 5.52 | 4.78 | 5.92 | 4.82 | 5.52 | 4.50 | 6.39 | 5.27 | 19.77 |
| — | -7.7% | -48.4% | -26.8% | -3.8% | +3.3% | +38.6% | -18.6% | -13.8% | -9.3% | +31.2% | +16.8% | +0.1% | +6.4% | -7.5% | -8.5% | -72.1% | -48.1% | +14.4% | +11.0% | +161.0% | |
| EV / EBITDA | 12.34 | 73.54 | 11.66 | 9.52 | 8.62 | 19.56 | 25.57 | 21.14 | 14.85 | 27.17 | — | 34.46 | 24.08 | 26.85 | 98.25 | 19.34 | 14.74 | 20.04 | 18.30 | 10.43 | 12.77 |
| — | +276.0% | -54.4% | -55.0% | -42.0% | -28.0% | — | -38.6% | -38.3% | +1.2% | — | +78.2% | +63.4% | +34.0% | +436.9% | +85.4% | +15.5% | +95.0% | +144.5% | +9.6% | +4.8% | |
| EV / EBIT | 10.32 | 87.07 | 11.88 | 9.72 | 9.95 | 20.49 | 27.15 | 22.23 | 15.41 | 29.04 | — | 37.51 | 25.53 | 28.95 | 126.08 | 20.35 | 15.29 | 21.08 | 19.15 | 10.67 | 13.06 |
| — | +325.0% | -56.2% | -56.3% | -35.4% | -29.5% | — | -40.7% | -39.6% | +0.3% | — | +84.3% | +67.0% | +37.3% | +558.4% | +90.7% | +17.0% | +100.9% | +151.6% | +9.4% | +4.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 123.4% | 34.1% | 121.1% | 121.6% | 123.0% | 61.8% | 61.5% | 61.0% | 63.0% | 61.9% | 62.2% | 62.5% | 66.7% | 67.5% | 67.7% | 66.7% | 72.1% | 73.4% | 74.4% | 75.9% | 75.1% |
| — | -44.8% | +96.9% | +99.4% | +95.3% | -0.3% | -1.2% | -2.5% | -5.7% | -8.3% | -8.0% | -6.3% | -7.4% | -8.1% | -9.1% | -12.1% | -4.0% | -3.3% | -7.8% | -1.9% | -3.2% | |
| Operating Margin | 59.5% | 6.9% | 57.5% | 60.1% | 65.8% | 24.8% | 19.0% | 23.8% | 32.9% | 18.4% | -7.2% | 16.0% | 23.1% | — | 4.8% | 27.2% | 37.6% | 26.1% | 30.8% | 62.4% | 61.4% |
| — | -72.1% | +202.0% | +152.0% | +99.7% | +35.0% | +362.8% | +49.4% | +42.8% | — | -251.5% | -41.2% | -38.7% | — | -84.5% | -56.5% | -38.7% | -63.0% | -61.7% | +6.6% | +27.4% | |
| Net Margin | 22.9% | -11.6% | 28.3% | 28.8% | 26.2% | 18.8% | 15.2% | 18.9% | 27.2% | 14.5% | -8.9% | 12.8% | 19.3% | 15.0% | 4.7% | 22.2% | 28.0% | 19.0% | 23.6% | 47.1% | 47.0% |
| — | -161.9% | +86.5% | +52.3% | -3.9% | +29.5% | +271.3% | +47.5% | +41.2% | -3.2% | -288.7% | -42.2% | -31.0% | -21.0% | -80.1% | -52.9% | -40.6% | -64.4% | -61.5% | +4.9% | +26.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 25.9% | -3.8% | 8.8% | 8.9% | 7.9% | 6.9% | 5.4% | 6.1% | 8.9% | 4.9% | -2.9% | 3.8% | 5.4% | 4.1% | 1.3% | 5.9% | 7.9% | 5.6% | 6.8% | 12.4% | 11.5% |
| — | -155.0% | +63.6% | +45.5% | -12.1% | +40.3% | +282.2% | +62.7% | +65.1% | +19.9% | -329.6% | -36.5% | -31.6% | -26.4% | -81.2% | -52.1% | -31.2% | -51.5% | -43.7% | +43.5% | +59.7% | |
| ROA | 4.4% | -0.6% | 1.6% | 1.5% | 1.3% | 1.2% | 1.0% | 1.1% | 1.6% | 0.9% | -0.6% | 0.8% | 1.2% | 1.0% | 0.3% | 1.3% | 1.8% | 1.3% | 1.5% | 3.0% | 3.1% |
| — | -151.9% | +61.5% | +32.7% | -18.9% | +33.9% | +268.7% | +43.5% | +39.1% | -4.1% | -286.3% | -42.1% | -32.4% | -22.5% | -79.8% | -55.8% | -42.6% | -62.5% | -58.8% | +14.4% | +36.9% | |
| ROIC | 10.4% | 0.3% | 2.6% | 2.7% | 2.9% | 1.3% | 1.0% | 1.2% | 1.7% | 1.0% | -0.4% | 0.9% | 1.2% | — | 0.3% | 1.4% | 2.1% | 1.4% | 1.7% | 3.3% | 3.3% |
| — | -76.4% | +162.1% | +120.9% | +68.7% | +38.0% | +355.7% | +42.8% | +38.0% | — | -249.3% | -41.0% | -39.7% | — | -84.2% | -56.6% | -36.5% | -60.3% | -58.3% | +18.5% | +42.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.17 | 4.84 | 3.96 | 4.23 | 4.17 | 4.03 | 4.16 | 3.92 | 3.63 | 3.80 | 3.82 | 3.40 | 2.89 | 2.90 | 2.72 | 2.74 | 2.83 | 2.91 | 3.15 | 2.91 | 2.53 |
| — | +20.0% | -4.9% | +8.0% | +14.9% | +6.3% | +8.8% | +15.4% | +25.7% | +30.7% | +40.8% | +24.0% | +2.2% | -0.2% | -13.8% | -5.9% | +11.6% | +21.5% | +57.8% | +46.2% | +23.9% | |
| Debt / EBITDA | 5.62 | 168.51 | 22.34 | 22.15 | 20.32 | 42.55 | 55.59 | 47.55 | 33.33 | 58.57 | — | 64.35 | 42.69 | 50.52 | 163.68 | 36.77 | 25.83 | 36.77 | 32.60 | 16.30 | 15.89 |
| — | +296.1% | -59.8% | -53.4% | -39.0% | -27.4% | — | -26.1% | -21.9% | +15.9% | — | +75.0% | +65.3% | +37.4% | +402.1% | +125.6% | +62.6% | +166.1% | +163.0% | -6.6% | -25.2% | |
| Current Ratio | 0.26 | 13.49 | 21.22 | 20.57 | 0.26 | 21.51 | — | — | — | 23.40 | 23.56 | — | — | — | 26.75 | — | — | — | — | — | 39.28 |
| — | -37.3% | — | — | — | -8.1% | — | — | — | — | -11.9% | — | — | — | — | — | — | — | — | — | +0.1% | |
| Quick Ratio | 0.26 | 13.49 | 21.22 | 20.57 | 0.26 | 21.51 | — | — | — | 23.40 | 23.56 | — | — | — | 26.75 | — | — | — | — | — | 39.28 |
| — | -37.3% | — | — | — | -8.1% | — | — | — | — | -11.9% | — | — | — | — | — | — | — | — | — | +0.1% | |
| Interest Coverage | 2.22 | 0.31 | 2.57 | 2.61 | 2.38 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CACC stock.
Credit Acceptance Corporation's current P/E is 16.4x. The average P/E over the last 3 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Credit Acceptance Corporation's current operating margin is 59.5%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Credit Acceptance Corporation's business trajectory between earnings reports.