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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 101.05% for Q4 2025.

  • For Q4 2025, Gross Margin rose 112.0% year-over-year to 101.05%; the TTM value through Dec 2025 reached 25.0%, down 7192.0%, while the annual FY2025 figure was 25.0%, 7160.0% down from the prior year.
  • Gross Margin for Q4 2025 was 101.05% at Credit Acceptance, up from 96.81% in the prior quarter.
  • Across five years, Gross Margin topped out at 101.27% in Q4 2021 and bottomed at 143.27% in Q4 2022.
  • The 5-year median for Gross Margin is 96.54% (2023), against an average of 54.4%.
  • The largest annual shift saw Gross Margin tumbled -24454bps in 2022 before it skyrocketed 23990bps in 2023.
  • A 5-year view of Gross Margin shows it stood at 101.27% in 2021, then crashed by -241bps to 143.27% in 2022, then surged by 167bps to 96.62% in 2023, then increased by 3bps to 99.93% in 2024, then grew by 1bps to 101.05% in 2025.
  • Per Business Quant, the three most recent readings for CACC's Gross Margin are 101.05% (Q4 2025), 96.81% (Q3 2025), and 96.61% (Q2 2025).