Credit Acceptance (CACC) Net Margin (2010 - 2026)
Credit Acceptance (CACC) posted Net Margin of -9.52% for Q3 2026, down 28.10 percentage points from 18.58% a year earlier and down 32.65 percentage points from the prior quarter.
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Analysis
Credit Acceptance (CACC) Net Margin (2010 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Net Margin at Credit Acceptance was 14.39%, down 5.31 percentage points year-over-year; for FY2025, it was 18.29%, up 6.83 percentage points from FY2024.
- Annual Net Margin shows a five-year change of -6.93 percentage points (FY2020 to FY2025).
- In prior years, Credit Acceptance's Net Margin was 11.46% in FY2024 (-3.58 pp), 15.04% in FY2023 (-14.20 pp), 29.24% in FY2022 (-22.39 pp) and 51.63% in FY2021 (+26.41 pp).
- The Q3 2026 figure stands as the lowest quarterly Net Margin since Q1 2020.
- On a year-over-year basis, Net Margin increased in six of the last eight quarters, with an average year-over-year change of +2.60 percentage points.
- The strongest year-over-year quarter for Net Margin in the past five years was Q2 2025, with a gain of 23.72 percentage points; the weakest was Q2 2022, with a drop of 37.70 percentage points.
- According to Business Quant data, Net Margin for the three prior quarters was 23.14% (Q2 2026), 23.41% (Q1 2026) and 21.04% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 21.59% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 20.96% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 12.38% |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 52.47% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 17.58% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 13.01% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | -121.54% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 41.81% |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | -9.52% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | -9.52% |
| Jun 30, 2026 | 23.14% |
| Mar 31, 2026 | 23.41% |
| Dec 31, 2025 | 21.04% |
| Sep 30, 2025 | 18.58% |
| Jun 30, 2025 | 14.97% |
| Mar 31, 2025 | 18.61% |
| Dec 31, 2024 | 26.84% |
| Sep 30, 2024 | 14.32% |
| Jun 30, 2024 | -8.75% |
| Mar 31, 2024 | 12.66% |
| Dec 31, 2023 | 19.04% |
| Sep 30, 2023 | 14.79% |
| Jun 30, 2023 | 4.65% |
| Mar 31, 2023 | 21.93% |
| Dec 31, 2022 | 27.73% |
| Sep 30, 2022 | 18.86% |
| Jun 30, 2022 | 23.48% |
| Mar 31, 2022 | 47.03% |
| Dec 31, 2021 | 46.98% |
API Access
Credit Acceptance Net 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=net-margin&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();