Credit Acceptance (CACC) Gross Margin (2010 - 2026)
Credit Acceptance (CACC) posted Gross Margin of 28.03% for Q4 2025, up 22.84% sequentially from 22.82% in Q3 2025, and down 7315.0% YoY from 0.39% in Q4 2024.
Credit Acceptance (CACC) Gross Margin (2010 - 2026) Analysis & Trends
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.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | - |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | - |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | - |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | - |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | - |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -32.14% |
| 10 | Credit Acceptance | 6.11 Bn | 5.62 Bn | 569.30 Mn | 96.92% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 96.92% |
| Dec 31, 2025 | 28.03% |
| Sep 30, 2025 | 22.82% |
| Jun 30, 2025 | 96.61% |
| Mar 31, 2025 | 31.49% |
| Dec 31, 2024 | 101.18% |
| Sep 30, 2024 | 96.64% |
| Jun 30, 2024 | 16.46% |
| Mar 31, 2024 | 96.65% |
| Dec 31, 2023 | 101.25% |
| Sep 30, 2023 | 96.55% |
| Jun 30, 2023 | 95.88% |
| Mar 31, 2023 | -2.87% |
| Dec 31, 2022 | 97.30% |
| Sep 30, 2022 | 97.20% |
| Jun 30, 2022 | 97.33% |
| Mar 31, 2022 | 98.05% |
| Dec 31, 2021 | 100.71% |
| Sep 30, 2021 | 97.87% |
| Jun 30, 2021 | 34.81% |