Credit Acceptance (CACC) FCF Margin (2010 - 2026)
Credit Acceptance's (CACC) quarterly FCF Margin came in at 52.42% in Q2 2026, up 2854.0% year-over-year from 1.77% in Q2 2025, and down 12.01% quarter-over-quarter from 59.57% in Q1 2026.
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Credit Acceptance (CACC) FCF Margin (2010 - 2026) Analysis & Trends
Credit Acceptance has disclosed FCF Margin across 17 years of filings, most recently posting 52.42% for Q2 2026.
- In Q2 2026, FCF Margin rose 2854.0% year-over-year to 52.42%; the TTM figure through Jun 2026 stood at 52.41% (up 362.0% YoY), while the FY2025 annual figure was 45.44%, down 710.0% from the prior year.
- FCF Margin came in at 52.42% for Q2 2026 at Credit Acceptance, down from 59.57% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 82.16% in Q1 2022 to a low of 23.88% in Q2 2025.
- Average FCF Margin over 5 years is 57.04%, with a median of 59.2% recorded in 2023.
- Year-over-year, FCF Margin surged 3424 bps in 2022 and tumbled 2101 bps in 2024.
- Over 5 years, FCF Margin stood at 62.22% in 2022, then climbed by 1 bps to 62.96% in 2023, then fell by 14 bps to 53.98% in 2024, then retreated by 14 bps to 46.37% in 2025, then climbed by 13 bps to 52.42% in 2026.
- Per Business Quant data, the three most recent FCF Margin figures were 52.42% in Q2 2026, 59.57% in Q1 2026, and 46.37% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 52.42% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -31.97% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 57.21% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 7.85% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 80.79% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 52.42% |
| Mar 31, 2026 | 59.57% |
| Dec 31, 2025 | 46.37% |
| Sep 30, 2025 | 51.30% |
| Jun 30, 2025 | 23.88% |
| Mar 31, 2025 | 60.57% |
| Dec 31, 2024 | 53.98% |
| Sep 30, 2024 | 57.66% |
| Jun 30, 2024 | 37.83% |
| Mar 31, 2024 | 60.96% |
| Dec 31, 2023 | 62.96% |
| Sep 30, 2023 | 65.50% |
| Jun 30, 2023 | 58.84% |
| Mar 31, 2023 | 65.14% |
| Dec 31, 2022 | 62.22% |
| Sep 30, 2022 | 70.69% |
| Jun 30, 2022 | 54.70% |
| Mar 31, 2022 | 82.16% |
| Dec 31, 2021 | 27.98% |
| Sep 30, 2021 | 56.75% |