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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) Gross Margin (2016 - 2025)

Credit Acceptance (CACC) has disclosed Gross Margin for 16 consecutive years, with 97.03% as the latest value for Q4 2025.

  • Quarterly Gross Margin fell 554.0% to 97.03% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 93.57% through Dec 2025, down 3068.0% year-over-year, with the annual reading at 96.91% for FY2025, 9514.0% up from the prior year.
  • Gross Margin hit 97.03% in Q4 2025 for Credit Acceptance, up from 2.9% in the prior quarter.
  • In the past five years, Gross Margin ranged from a high of 167.25% in Q4 2022 to a low of 74.07% in Q4 2023.
  • Historically, Gross Margin has averaged 52.18% across 5 years, with a median of 65.18% in 2021.
  • Biggest five-year swings in Gross Margin: plummeted -24133bps in 2023 and later soared 17665bps in 2024.
  • Year by year, Gross Margin stood at 165.31% in 2021, then increased by 1bps to 167.25% in 2022, then tumbled by -144bps to 74.07% in 2023, then skyrocketed by 238bps to 102.57% in 2024, then fell by -5bps to 97.03% in 2025.
  • Business Quant data shows Gross Margin for CACC at 97.03% in Q4 2025, 2.9% in Q3 2025, and 96.61% in Q2 2025.