Company / Return on Assets (ROA)
CREDIT ACCEPTANCE CORP Return on Assets (ROA) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Assets (ROA)
4.9%
FY2025
5-year range
2.8% / 13.6%
FY2021-FY2025
Trend
+75.4%
vs FY2024
Sector context
#77 of 402
Financials
What the data says
CREDIT ACCEPTANCE CORP's return on assets (roa) of 4.9% is higher than 81% of companies in the Financials sector (FY2025). Return on Assets (ROA) returned to growth in FY2025 after 3 years of decline, reaching 4.9%.
Based on SEC 10-K filings.
4.9% in FY2025 with a 5-year CAGR of -0.7%. Top quartile in the Financials sector.
Improved from 3.8% to 4.9% over the past 2 years.
Financials sector context is included.
Return on Assets (ROA) over time
Growth rates
- 3-Year Change
- -2.9pp
- 5-Year Change
- -0.7pp
- 10-Year Change
- -
Sector benchmark
+77.9% above sector average
Key checks
Key Insights
- In FY2025, return on assets (roa) increased 75.4% year-over-year.
- Currently 2.2pp above the Financials sector average.
- Peak return on assets (roa) was recorded in FY2021.
- Lowest return on assets (roa) in the period was in FY2024.
Company context
Key Data Points
- Altman Z-Score 0.47 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Return on Assets (ROA)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 4.9% | +75.4% |
| FY2024 | 2.8% | -25.5% |
| FY2023 | 3.8% | -51.5% |
| FY2022 | 7.8% | -42.9% |
| FY2021 | 13.6% | +141.8% |
| FY2020 | 5.6% | -36.4% |
| FY2019 | 8.8% | -3.9% |
| FY2018 | 9.2% | -2.4% |
| FY2017 | 9.4% | +19.5% |
| FY2016 | 7.9% | -11.2% |
As of FY2025 · SEC 10-K · Updated Jul 2, 2026