Credit Acceptance (CACC) EBT Margin (2010 - 2026)
Credit Acceptance (CACC) posted EBT Margin of -12.36% for Q3 2026, down 37.93 percentage points from 25.57% a year earlier and down 41.06 percentage points from the prior quarter.
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Analysis
Credit Acceptance (CACC) EBT Margin (2010 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, EBT Margin at Credit Acceptance was 18.24%, down 7.83 percentage points year-over-year; for FY2025, it was 24.40%, up 9.16 percentage points from FY2024.
- Annual EBT Margin shows a five-year change of -8.52 percentage points (FY2020 to FY2025).
- In prior years, Credit Acceptance's EBT Margin was 15.24% in FY2024 (-4.09 pp), 19.33% in FY2023 (-19.51 pp), 38.84% in FY2022 (-29.10 pp) and 67.94% in FY2021 (+35.02 pp).
- The Q3 2026 figure stands as the lowest quarterly EBT Margin since Q1 2020.
- On a year-over-year basis, EBT Margin increased in six of the last eight quarters, with an average year-over-year change of +2.98 percentage points.
- The strongest year-over-year quarter for EBT Margin in the past five years was Q2 2025, with a gain of 30.45 percentage points; the weakest was Q2 2022, with a drop of 49.43 percentage points.
- According to Business Quant data, EBT Margin for the three prior quarters was 28.70% (Q2 2026), 30.17% (Q1 2026) and 27.07% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 29.17% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 38.64% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 61.04% |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 65.65% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 24.03% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 16.25% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | -114.70% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | -12.36% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | -12.36% |
| Jun 30, 2026 | 28.70% |
| Mar 31, 2026 | 30.17% |
| Dec 31, 2025 | 27.07% |
| Sep 30, 2025 | 25.57% |
| Jun 30, 2025 | 20.18% |
| Mar 31, 2025 | 24.81% |
| Dec 31, 2024 | 33.91% |
| Sep 30, 2024 | 19.35% |
| Jun 30, 2024 | -10.27% |
| Mar 31, 2024 | 17.01% |
| Dec 31, 2023 | 23.68% |
| Sep 30, 2023 | 20.16% |
| Jun 30, 2023 | 5.84% |
| Mar 31, 2023 | 27.94% |
| Dec 31, 2022 | 35.51% |
| Sep 30, 2022 | 26.53% |
| Jun 30, 2022 | 31.07% |
| Mar 31, 2022 | 62.43% |
| Dec 31, 2021 | 61.46% |
API Access
Credit Acceptance EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "CACC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();