Credit Acceptance (CACC) Gross Margin (2010 - 2025)
Credit Acceptance (CACC) posted Gross Margin of 97.03% for Q4 2025, up 3440.74% sequentially from 2.9% in Q3 2025, and down 554.0% YoY from 21.37% in Q4 2024.
Credit Acceptance (CACC) Gross Margin (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of Gross Margin data on file, last reported at 97.03% in Q4 2025.
- Quarterly Gross Margin fell 554.0% year-over-year to 97.03% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 93.57% (down 3068.0% YoY) and the FY2025 annual result came in at 96.91%, up 9514.0% from the prior year.
- Gross Margin climbed to 97.03% in Q4 2025 per CACC's latest filing, from 2.9% in the prior quarter.
- The five-year high for Gross Margin was 167.25% in Q4 2022, with the low at 74.07% in Q4 2023.
- Average Gross Margin over 5 years is 52.18%, with a median of 65.18% recorded in 2021.
- Year-over-year, Gross Margin plunged 24133 bps in 2023 and surged 17665 bps in 2024.
- Credit Acceptance's Gross Margin stood at 165.31% in 2021, then rose by 1 bps to 167.25% in 2022, then tumbled by 144 bps to 74.07% in 2023, then surged by 238 bps to 102.57% in 2024, then retreated by 5 bps to 97.03% in 2025.
- Business Quant data shows CACC's Gross Margin at 97.03% in Q4 2025, 2.9% in Q3 2025, and 96.61% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 92.17% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 93.80% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 78.22% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 84.45% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 94.24% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 97.03% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 71.98% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 97.03% |
| Sep 30, 2025 | -2.90% |
| Jun 30, 2025 | 96.61% |
| Mar 31, 2025 | 31.49% |
| Dec 31, 2024 | 102.57% |
| Sep 30, 2024 | 96.64% |
| Jun 30, 2024 | 16.46% |
| Mar 31, 2024 | 95.30% |
| Dec 31, 2023 | -74.07% |
| Sep 30, 2023 | 95.30% |
| Jun 30, 2023 | -32.83% |
| Mar 31, 2023 | -2.87% |
| Dec 31, 2022 | 167.25% |
| Sep 30, 2022 | -20.12% |
| Jun 30, 2022 | 20.78% |
| Mar 31, 2022 | -39.13% |
| Dec 31, 2021 | 165.31% |
| Sep 30, 2021 | 35.06% |
| Jun 30, 2021 | 97.82% |
| Mar 31, 2021 | 98.00% |