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Ratios
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) Net Margin (2016 - 2025)

Credit Acceptance's Net Margin history spans 16 years, with the latest figure at 21.04% for Q4 2025.

  • On a quarterly basis, Net Margin rose 3116.0% to 21.04% in Q4 2025 year-over-year; TTM through Dec 2025 was 35.0%, a 9433.0% increase, with the full-year FY2025 number at 18.29%, down 23967.0% from a year prior.
  • Net Margin hit 21.04% in Q4 2025 for Credit Acceptance, down from 448.96% in the prior quarter.
  • Over the last five years, Net Margin for CACC hit a ceiling of 1623.38% in Q3 2021 and a floor of 193.83% in Q2 2024.
  • Historically, Net Margin has averaged 431.3% across 5 years, with a median of 272.73% in 2023.
  • The widest YoY moves for Net Margin: up 150809bps in 2022, down -109411bps in 2022.
  • Tracing CACC's Net Margin over 5 years: stood at 1480.27% in 2021, then crashed by -50bps to 744.44% in 2022, then tumbled by -42bps to 433.33% in 2023, then crashed by -102bps to 10.12% in 2024, then surged by 308bps to 21.04% in 2025.
  • Business Quant data shows Net Margin for CACC at 21.04% in Q4 2025, 448.96% in Q3 2025, and 14.97% in Q2 2025.