Credit Acceptance (CACC) Net Margin (2010 - 2025)
Credit Acceptance (CACC) posted Net Margin of 21.04% for Q4 2025, down 95.31% sequentially from 448.96% in Q3 2025, and up 3116.0% YoY from 0.65% in Q4 2024.
Credit Acceptance (CACC) Net Margin (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of Net Margin data on file, last reported at 21.04% in Q4 2025.
- Quarterly Net Margin rose 3116.0% year-over-year to 21.04% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 35.0% (up 9433.0% YoY) and the FY2025 annual result came in at 18.29%, down 23967.0% from the prior year.
- Net Margin slipped to 21.04% in Q4 2025 per CACC's latest filing, from 448.96% in the prior quarter.
- The five-year high for Net Margin was 1623.38% in Q3 2021, with the low at 193.83% in Q2 2024.
- Average Net Margin over 5 years is 431.3%, with a median of 272.73% recorded in 2023.
- The widest YoY moves for Net Margin: up 150809 bps in 2022, down 109411 bps in 2022.
- Credit Acceptance's Net Margin stood at 1480.27% in 2021, then plunged by 50 bps to 744.44% in 2022, then plunged by 42 bps to 433.33% in 2023, then tumbled by 102 bps to 10.12% in 2024, then jumped by 308 bps to 21.04% in 2025.
- Business Quant data shows CACC's Net Margin at 21.04% in Q4 2025, 448.96% in Q3 2025, and 14.97% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 37.86% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 21.04% |
| Sep 30, 2025 | 448.96% |
| Jun 30, 2025 | 14.97% |
| Mar 31, 2025 | 452.34% |
| Dec 31, 2024 | -10.12% |
| Sep 30, 2024 | 14.32% |
| Jun 30, 2024 | -193.83% |
| Mar 31, 2024 | 12.66% |
| Dec 31, 2023 | 433.33% |
| Sep 30, 2023 | 14.79% |
| Jun 30, 2023 | 112.12% |
| Mar 31, 2023 | 571.84% |
| Dec 31, 2022 | 744.44% |
| Sep 30, 2022 | 529.27% |
| Jun 30, 2022 | 697.40% |
| Mar 31, 2022 | 1,552.90% |
| Dec 31, 2021 | 1,480.27% |
| Sep 30, 2021 | 1,623.38% |
| Jun 30, 2021 | 61.18% |
| Mar 31, 2021 | 44.81% |