Credit Acceptance (CACC) Gross Margin (2010 - 2025)

Credit Acceptance has disclosed Gross Margin across 16 years of filings, most recently posting 97.03% for Q4 2025.

• Gross Margin for Q4 2025 came in at 97.03%, down 554.0% year-over-year; the trailing twelve-month figure through Dec 2025 was 93.57% (down 3068.0% YoY), and the FY2025 annual result was 96.91%, up 9514.0% from the prior year.
• Gross Margin came in at 97.03% for Q4 2025 at 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.
• The 5-year median for Gross Margin is 65.18% (2021), against an average of 52.18%.
• Across the five-year window, Gross Margin slumped 24133 bps in 2023 and jumped 17665 bps in 2024, its largest moves.
• Credit Acceptance's Gross Margin stood at 165.31% in 2021, then climbed by 1 bps to 167.25% in 2022, then slumped by 144 bps to 74.07% in 2023, then surged by 238 bps to 102.57% in 2024, then dropped by 5 bps to 97.03% in 2025.
• The last three Gross Margin figures came in at 97.03% (Q4 2025), 2.9% (Q3 2025), and 96.61% (Q2 2025), per Business Quant data.