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Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Credit Acceptance (CACC) EBT Margin (2016 - 2025)

Credit Acceptance (CACC) has disclosed EBT Margin for 16 consecutive years, with 27.07% as the latest value for Q4 2025.

  • Quarterly EBT Margin rose 3986.0% to 27.07% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 46.68% through Dec 2025, up 12554.0% year-over-year, with the annual reading at 24.4% for FY2025, 31847.0% down from the prior year.
  • EBT Margin hit 27.07% in Q4 2025 for Credit Acceptance, down from 617.84% in the prior quarter.
  • In the past five years, EBT Margin ranged from a high of 2157.14% in Q3 2021 to a low of 227.57% in Q2 2024.
  • Historically, EBT Margin has averaged 570.39% across 5 years, with a median of 339.9% in 2023.
  • Biggest YoY gain for EBT Margin was 200299bps in 2022; the steepest drop was -141263bps in 2022.
  • Year by year, EBT Margin stood at 1936.73% in 2021, then plummeted by -51bps to 953.22% in 2022, then tumbled by -43bps to 538.89% in 2023, then crashed by -102bps to 12.79% in 2024, then soared by 312bps to 27.07% in 2025.
  • Business Quant data shows EBT Margin for CACC at 27.07% in Q4 2025, 617.84% in Q3 2025, and 20.18% in Q2 2025.