Credit Acceptance (CACC) Gross Margin (2010 - 2026)
Credit Acceptance (CACC) reported Gross Margin of 97.04% for Q3 2026, up 0.23 percentage points from 96.81% a year earlier and up 0.12 percentage points from the prior quarter.
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Analysis
Credit Acceptance (CACC) Gross Margin (2010 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Credit Acceptance's Gross Margin came in at 97.07%, up 0.20 percentage points year-over-year; for FY2025, it was 96.91%, up 0.30 percentage points from FY2024.
- Gross Margin has a five-year change of -0.82 percentage points (FY2020 to FY2025).
- By year, Gross Margin came in at 96.60% in FY2024 (+0.32 pp), 96.28% in FY2023 (-1.19 pp), 97.47% in FY2022 (-0.44 pp) and 97.91% in FY2021 (+0.18 pp).
- Five-year quarterly Gross Margin spans a low of 95.88% in Q2 2023 and a high of 98.05% in Q1 2022.
- Year over year, Gross Margin has now increased in each of the last 11 quarters, with an average year-over-year change of +0.27 percentage points over the last eight quarters.
- The high point for year-over-year Gross Margin in five years was Q1 2024 (a gain of 0.60 percentage points); the low point was Q1 2023 (a drop of 1.99 percentage points).
- Per Business Quant data, the three quarters before Q3 2026 came in at 96.92% (Q2 2026), 97.28% (Q1 2026) and 97.03% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | - |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 86.66% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | - |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | - |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | 97.04% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 97.04% |
| Jun 30, 2026 | 96.92% |
| Mar 31, 2026 | 97.28% |
| Dec 31, 2025 | 97.03% |
| Sep 30, 2025 | 96.81% |
| Jun 30, 2025 | 96.61% |
| Mar 31, 2025 | 97.18% |
| Dec 31, 2024 | 96.87% |
| Sep 30, 2024 | 96.64% |
| Jun 30, 2024 | 96.23% |
| Mar 31, 2024 | 96.65% |
| Dec 31, 2023 | 96.62% |
| Sep 30, 2023 | 96.55% |
| Jun 30, 2023 | 95.88% |
| Mar 31, 2023 | 96.06% |
| Dec 31, 2022 | 97.30% |
| Sep 30, 2022 | 97.20% |
| Jun 30, 2022 | 97.33% |
| Mar 31, 2022 | 98.05% |
| Dec 31, 2021 | 97.95% |
API Access
Credit Acceptance Gross Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=gross-margin&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "gross-margin", "ticker": "CACC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=gross-margin&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();