Current Ratio

Credit Acceptance Corporation’s current ratio of 20.57x means the company holds over 20 times more short-term assets (like cash and receivables) than its short-term liabilities, indicating an unusually high ability to cover immediate obligations.

This far exceeds the sector median of 0.79x and places CACC in the 95th percentile among financial services peers, meaning only 5% of competitors have a higher ratio. Trend data is unavailable: year-over-year and quarter-over-quarter changes are marked N/A, and no historical values beyond the current one are provided. The extremely high level alone suggests minimal short-term liquidity risk, but the absence of trend information prevents assessing whether this buffer is stable or recently expanded—so the risk profile is unclear on direction. This metric supports the NEUTRAL verdict because while the current ratio signals strong liquidity, the lack of trend context and the stock’s overall neutral rating imply no strong bullish or bearish edge from this ratio alone.

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