Credit Acceptance (CACC) FCF Margin (2010 - 2025)
Credit Acceptance (CACC) posted FCF Margin of 46.37% for Q4 2025, down 96.26% sequentially from 1239.83% in Q3 2025, and up 6673.0% YoY from 0.68% in Q4 2024.
Credit Acceptance (CACC) FCF Margin (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of FCF Margin data on file, last reported at 46.37% in Q4 2025.
- Quarterly FCF Margin rose 6673.0% year-over-year to 46.37% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 86.93% (up 35886.0% YoY) and the FY2025 annual result came in at 45.44%, down 113676.0% from the prior year.
- FCF Margin slipped to 46.37% in Q4 2025 per CACC's latest filing, from 1239.83% in the prior quarter.
- The five-year high for FCF Margin was 2713.04% in Q1 2022, with the low at 20.36% in Q4 2024.
- Average FCF Margin over 5 years is 954.3%, with a median of 1060.73% recorded in 2021.
- Year-over-year, FCF Margin surged 264111 bps in 2022 and slumped 191864 bps in 2023.
- Credit Acceptance's FCF Margin stood at 881.63% in 2021, then surged by 89 bps to 1670.18% in 2022, then slipped by 14 bps to 1432.87% in 2023, then sank by 101 bps to 20.36% in 2024, then jumped by 328 bps to 46.37% in 2025.
- Business Quant data shows CACC's FCF Margin at 46.37% in Q4 2025, 1239.83% in Q3 2025, and 23.88% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 23.37% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 33.56% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 14.04% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 10.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 6,779.64% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -216.52% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 65.22% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 46.37% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.37% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 65.41% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 46.37% |
| Sep 30, 2025 | 1,239.83% |
| Jun 30, 2025 | 23.88% |
| Mar 31, 2025 | 1,471.91% |
| Dec 31, 2024 | -20.36% |
| Sep 30, 2024 | 57.66% |
| Jun 30, 2024 | 837.86% |
| Mar 31, 2024 | 60.96% |
| Dec 31, 2023 | 1,432.87% |
| Sep 30, 2023 | 65.50% |
| Jun 30, 2023 | 1,420.20% |
| Mar 31, 2023 | 1,698.85% |
| Dec 31, 2022 | 1,670.18% |
| Sep 30, 2022 | 1,984.15% |
| Jun 30, 2022 | 1,624.68% |
| Mar 31, 2022 | 2,713.04% |
| Dec 31, 2021 | 881.63% |
| Sep 30, 2021 | 1,732.47% |
| Jun 30, 2021 | 72.29% |
| Mar 31, 2021 | 71.93% |