Credit Acceptance (CACC) Gross Margin (2010 - 2026)

Credit Acceptance has reported Gross Margin for 16 years, with the latest figure at 28.03% in Q4 2025.

• Quarterly Gross Margin fell 7315.0% year-over-year to 28.03% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 89.06% (down 2853.0% YoY) and the FY2025 annual result came in at 25.0%, up 148.0% from the prior year.
• Gross Margin improved to 28.03% in Q4 2025 per CACC's latest filing, from 22.82% in the prior quarter.
• Over five years, Gross Margin peaked at 101.25% in Q4 2023 and troughed at 2.87% in Q1 2023.
• A 5-year average of 72.07% and a median of 96.62% in 2025 frame the typical range for Gross Margin.
• The sharpest annual moves came in 2023 and 2024: Gross Margin slumped 10092 bps in 2023, then soared 9953 bps in 2024.
• Over 5 years, Gross Margin stood at 100.71% in 2021, then slipped by 3 bps to 97.3% in 2022, then rose by 4 bps to 101.25% in 2023, then fell by 0 bps to 101.18% in 2024, then tumbled by 72 bps to 28.03% in 2025.
• According to Business Quant data, Gross Margin over the past three periods registered 28.03%, 22.82%, and 96.61% for Q4 2025, Q3 2025, and Q2 2025 respectively.