Credit Acceptance (CACC) EBT Margin (2010 - 2025)
Credit Acceptance (CACC) posted EBT Margin of 27.07% for Q4 2025, down 95.62% sequentially from 617.84% in Q3 2025, and up 3986.0% YoY from 0.66% in Q4 2024.
Credit Acceptance (CACC) EBT Margin (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of EBT Margin data on file, last reported at 27.07% in Q4 2025.
- Quarterly EBT Margin rose 3986.0% year-over-year to 27.07% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 46.68% (up 12554.0% YoY) and the FY2025 annual result came in at 24.4%, down 31847.0% from the prior year.
- EBT Margin fell to 27.07% in Q4 2025 per CACC's latest filing, from 617.84% in the prior quarter.
- The five-year high for EBT Margin was 2157.14% in Q3 2021, with the low at 227.57% in Q2 2024.
- Average EBT Margin over 5 years is 570.39%, with a median of 339.9% recorded in 2023.
- The widest YoY moves for EBT Margin: up 200299 bps in 2022, down 141263 bps in 2022.
- Credit Acceptance's EBT Margin stood at 1936.73% in 2021, then plunged by 51 bps to 953.22% in 2022, then plunged by 43 bps to 538.89% in 2023, then plunged by 102 bps to 12.79% in 2024, then jumped by 312 bps to 27.07% in 2025.
- Business Quant data shows CACC's EBT Margin at 27.07% in Q4 2025, 617.84% in Q3 2025, and 20.18% in Q2 2025.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 48.70% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 27.07% |
| Sep 30, 2025 | 617.84% |
| Jun 30, 2025 | 20.18% |
| Mar 31, 2025 | 602.98% |
| Dec 31, 2024 | -12.79% |
| Sep 30, 2024 | 19.35% |
| Jun 30, 2024 | -227.57% |
| Mar 31, 2024 | 17.01% |
| Dec 31, 2023 | 538.89% |
| Sep 30, 2023 | 20.16% |
| Jun 30, 2023 | 140.91% |
| Mar 31, 2023 | 728.74% |
| Dec 31, 2022 | 953.22% |
| Sep 30, 2022 | 744.51% |
| Jun 30, 2022 | 922.73% |
| Mar 31, 2022 | 2,061.59% |
| Dec 31, 2021 | 1,936.73% |
| Sep 30, 2021 | 2,157.14% |
| Jun 30, 2021 | 80.50% |
| Mar 31, 2021 | 58.60% |