Credit Acceptance Corporation (CACC) — Working Capital to Net Assets Ratio
Credit Acceptance Corporation (CACC) has a Working Capital to Net Assets ratio of 536.9% as of March 2026. Working capital of $8.13 Billion (current assets of $8.54 Billion minus current liabilities of $415.30 Million) is measured against net assets of $1.51 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See CACC financial flexibility score to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Credit Acceptance Corporation Working Capital to Net Assets (1996–2025)
This chart shows how Credit Acceptance Corporation's Working Capital to Net Assets ratio has evolved across 29 annual periods from 1996 to 2025. As of March 2026, the ratio stands at 536.9%, reflecting working capital of $8.13 Billion against net assets of $1.51 Billion USD. See Credit Acceptance Corporation (CACC) liquidity interval to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for Credit Acceptance Corporation (1996–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Credit Acceptance Corporation from 1996 to 2025, covering 29 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Credit Acceptance Corporation market cap and net worth.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -105.4% | $-1.61 Billion | $1.52 Billion | $577.50 Million | $2.18 Billion | ▼ -578.4 pp |
| 2024 | 473.0% | $8.28 Billion | $1.75 Billion | $8.71 Billion | $433.00 Million | ▲ +495.1 pp |
| 2023 | -22.0% | $-386.60 Million | $1.75 Billion | $13.20 Million | $399.80 Million | ▼ -424.3 pp |
| 2022 | 402.3% | $6.53 Billion | $1.62 Billion | $6.80 Billion | $263.30 Million | ▲ +34.6 pp |
| 2021 | 367.7% | $6.71 Billion | $1.82 Billion | $6.88 Billion | $175.20 Million | ▲ +57.4 pp |
| 2020 | 310.3% | $7.15 Billion | $2.30 Billion | $7.33 Billion | $186.90 Million | ▲ +8.0 pp |
| 2019 | 302.4% | $7.12 Billion | $2.36 Billion | $7.33 Billion | $206.60 Million | ▲ +2.5 pp |
| 2018 | 299.9% | $5.97 Billion | $1.99 Billion | $6.16 Billion | $188.90 Million | ▼ -8.8 pp |
| 2017 | 308.6% | $4.74 Billion | $1.54 Billion | $4.93 Billion | $191.60 Million | ▼ -32.7 pp |
| 2016 | 341.3% | $4.01 Billion | $1.17 Billion | $4.17 Billion | $167.50 Million | ▼ -4.1 pp |
| 2015 | 345.4% | $3.21 Billion | $928.10 Million | $3.33 Billion | $127.80 Million | ▼ -26.9 pp |
| 2014 | 372.3% | $2.61 Billion | $702.20 Million | $2.73 Billion | $117.30 Million | ▲ +72.4 pp |
| 2013 | 299.9% | $2.25 Billion | $750.10 Million | $2.38 Billion | $133.70 Million | ▼ -16.9 pp |
| 2012 | 316.8% | $1.97 Billion | $621.90 Million | $2.08 Billion | $112.10 Million | ▲ +18.2 pp |
| 2011 | 298.5% | $1.61 Billion | $539.95 Million | $1.71 Billion | $97.35 Million | ▲ +40.2 pp |
| 2010 | 258.4% | $1.23 Billion | $474.47 Million | $1.30 Billion | $75.30 Million | ▲ +44.7 pp |
| 2009 | 213.6% | $1.06 Billion | $498.21 Million | $1.14 Billion | $77.30 Million | ▼ -88.3 pp |
| 2008 | 302.0% | $1.02 Billion | $337.75 Million | $1.10 Billion | $84.83 Million | ▲ +129.5 pp |
| 2007 | 172.5% | $457.91 Million | $265.45 Million | $907.18 Million | $449.27 Million | ▼ -119.5 pp |
| 2006 | 292.0% | $614.25 Million | $210.35 Million | $692.54 Million | $78.29 Million | ▲ +297.9 pp |
| 2005 | -5.9% | $-21.84 Million | $373.03 Million | $14.46 Million | $36.30 Million | ▼ -9.0 pp |
| 2003 | 3.1% | $11.17 Million | $357.56 Million | $44.29 Million | $33.12 Million | ▲ +17.9 pp |
| 2002 | -14.7% | $-47.71 Million | $323.85 Million | $18.09 Million | $65.80 Million | ▼ -10.6 pp |
| 2001 | -4.1% | $-11.82 Million | $288.44 Million | $22.39 Million | $34.21 Million | ▲ +56.6 pp |
| 2000 | -60.7% | $-310.27 Million | $511.22 Million | $29.93 Million | $340.20 Million | ▼ -67.1 pp |
| 1999 | 6.4% | $16.87 Million | $262.98 Million | $50.90 Million | $34.03 Million | ▲ +2.1 pp |
| 1998 | 4.4% | $12.06 Million | $276.26 Million | $38.05 Million | $25.99 Million | ▲ +3.0 pp |
| 1997 | 1.4% | $3.50 Million | $248.99 Million | $30.15 Million | $26.65 Million | ▲ +14.1 pp |
| 1996 | -12.7% | $-31.32 Million | $246.14 Million | $22.02 Million | $53.34 Million | — |