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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 (CACC) has disclosed Net Margin for 16 consecutive years, with 21.04% as the latest value for Q4 2025.

  • Quarterly Net Margin rose 3116.0% to 21.04% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 35.0% through Dec 2025, up 9433.0% year-over-year, with the annual reading at 18.29% for FY2025, 23967.0% down from the prior year.
  • Net Margin hit 21.04% in Q4 2025 for Credit Acceptance, down from 448.96% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 1623.38% in Q3 2021 to a low of 193.83% in Q2 2024.
  • Historically, Net Margin has averaged 431.3% across 5 years, with a median of 272.73% in 2023.
  • Biggest YoY gain for Net Margin was 150809bps in 2022; the steepest drop was -109411bps in 2022.
  • Year by year, Net Margin stood at 1480.27% in 2021, then plummeted by -50bps to 744.44% in 2022, then crashed by -42bps to 433.33% in 2023, then plummeted by -102bps to 10.12% in 2024, then soared 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.