Credit Acceptance Corporation - Asset Resilience Ratio
Credit Acceptance Corporation (CACC) has an Asset Resilience Ratio of 1.26% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check asset allocation strategy of Credit Acceptance Corporation to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1992–2025)
This chart shows how Credit Acceptance Corporation's Asset Resilience Ratio has changed over time. See net asset quality index of Credit Acceptance Corporation to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Credit Acceptance Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see market cap of Credit Acceptance Corporation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $109.40 Million | 1.26% |
| Total Liquid Assets | $109.40 Million | 1.26% |
Asset Resilience Insights
- Limited Liquidity: Credit Acceptance Corporation maintains only 1.26% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Credit Acceptance Corporation Industry Peers by Asset Resilience Ratio
Compare Credit Acceptance Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Upstart Holdings Inc
NASDAQ:UPST |
Credit Services | 1.39% |
|
CREDITACCESS GRAMEEN LIMITED
NSE:CREDITACC |
Credit Services | 3.39% |
|
Beijing Cuiwei Tower Co Ltd
SHG:603123 |
Credit Services | 1.79% |
|
BFI Finance Indonesia Tbk
JK:BFIN |
Credit Services | 1.84% |
|
IndoStar Capital Finance Limited
NSE:INDOSTAR |
Credit Services | 2.88% |
|
Hexa Tradex Limited
NSE:HEXATRADEX |
Credit Services | 0.09% |
|
Pioneer Credit Ltd
AU:PNC |
Credit Services | 32.27% |
|
Fedbank Financial Services Limited
NSE:FEDFINA |
Credit Services | 0.00% |
Annual Asset Resilience Ratio for Credit Acceptance Corporation (1992–2025)
The table below shows the annual Asset Resilience Ratio data for Credit Acceptance Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.10% | $9.60 Million | $9.60 Billion | +0.00pp |
| 2024-12-31 | 0.10% | $9.50 Million | $9.74 Billion | +0.02pp |
| 2023-12-31 | 0.08% | $6.90 Million | $8.39 Billion | -0.96pp |
| 2022-12-31 | 1.05% | $72.30 Million | $6.90 Billion | +0.17pp |
| 2021-12-31 | 0.88% | $62.10 Million | $7.05 Billion | 0.00pp |
| 2020-12-31 | 0.88% | $66.10 Million | $7.49 Billion | +0.08pp |
| 2019-12-31 | 0.80% | $59.30 Million | $7.42 Billion | -0.14pp |
| 2018-12-31 | 0.94% | $58.60 Million | $6.24 Billion | +0.01pp |
| 2017-12-31 | 0.92% | $46.10 Million | $4.99 Billion | -0.15pp |
| 2016-12-31 | 1.07% | $45.30 Million | $4.22 Billion | -0.35pp |
| 2015-12-31 | 1.43% | $48.30 Million | $3.39 Billion | -0.48pp |
| 2014-12-31 | 1.91% | $53.20 Million | $2.79 Billion | -0.29pp |
| 2013-12-31 | 2.20% | $53.60 Million | $2.43 Billion | +0.04pp |
| 2012-12-31 | 2.16% | $46.10 Million | $2.13 Billion | +2.12pp |
| 2011-12-31 | 0.05% | $810.00K | $1.76 Billion | -0.01pp |
| 2010-12-31 | 0.06% | $805.00K | $1.34 Billion | -0.21pp |
| 2009-12-31 | 0.27% | $3.12 Million | $1.18 Billion | -0.03pp |
| 2008-12-31 | 0.29% | $3.35 Million | $1.14 Billion | -0.06pp |
| 2007-12-31 | 0.35% | $3.29 Million | $942.18 Million | -0.14pp |
| 2006-12-31 | 0.49% | $3.56 Million | $725.21 Million | -0.05pp |
| 2005-12-31 | 0.54% | $3.35 Million | $619.39 Million | +0.38pp |
| 2004-12-31 | 0.16% | $928.00K | $591.31 Million | +0.14pp |
| 2002-12-31 | 0.02% | $173.00K | $842.33 Million | +0.00pp |
| 2001-12-31 | 0.02% | $173.00K | $861.43 Million | -0.09pp |
| 2000-12-31 | 0.11% | $751.00K | $671.03 Million | -1.65pp |
| 1999-12-31 | 1.76% | $11.60 Million | $660.24 Million | +0.40pp |
| 1998-12-31 | 1.36% | $10.20 Million | $751.93 Million | +0.46pp |
| 1997-12-31 | 0.90% | $10.00 Million | $1.12 Billion | +0.31pp |
| 1996-12-31 | 0.59% | $6.30 Million | $1.07 Billion | +0.22pp |
| 1995-12-31 | 0.36% | $2.50 Million | $686.40 Million | +0.01pp |
| 1994-12-31 | 0.35% | $1.50 Million | $425.90 Million | -0.68pp |
| 1993-12-31 | 1.03% | $2.10 Million | $203.00 Million | -5.75pp |
| 1992-12-31 | 6.79% | $8.70 Million | $128.20 Million | -- |
About Credit Acceptance Corporation
Credit Acceptance Corporation engages in the provision of financing programs, and related products and services in the United States. It advances money to automobile dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps the amount collected from the consumers. The company is also involved in the business of reinsuring co… Read more