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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's Gross Margin history spans 16 years, with the latest figure at 97.03% for Q4 2025.

  • On a quarterly basis, Gross Margin fell 554.0% to 97.03% in Q4 2025 year-over-year; TTM through Dec 2025 was 93.57%, a 3068.0% decrease, with the full-year FY2025 number at 96.91%, up 9514.0% from a year prior.
  • Gross Margin hit 97.03% in Q4 2025 for Credit Acceptance, up from 2.9% in the prior quarter.
  • Over the last five years, Gross Margin for CACC hit a ceiling of 167.25% in Q4 2022 and a floor 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.
  • Tracing CACC's Gross Margin over 5 years: stood at 165.31% in 2021, then grew by 1bps to 167.25% in 2022, then plummeted by -144bps to 74.07% in 2023, then soared by 238bps to 102.57% in 2024, then decreased 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.