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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) Operating Margin (2016 - 2025)

Credit Acceptance (CACC) has disclosed Operating Margin for 16 consecutive years, with 24.11% as the latest value for Q4 2025.

  • Quarterly Operating Margin fell 8657.0% to 24.11% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 26.79% through Dec 2025, down 27107.0% year-over-year, with the annual reading at 21.31% for FY2025, 54139.0% up from the prior year.
  • Operating Margin hit 24.11% in Q4 2025 for Credit Acceptance, up from 1801.66% in the prior quarter.
  • In the past five years, Operating Margin ranged from a high of 3166.67% in Q4 2023 to a low of 2082.32% in Q3 2022.
  • Historically, Operating Margin has averaged 469.63% across 5 years, with a median of 520.29% in 2025.
  • Biggest five-year swings in Operating Margin: skyrocketed 473041bps in 2023 and later plummeted -305599bps in 2024.
  • Year by year, Operating Margin stood at 1048.98% in 2021, then plummeted by -49bps to 1563.74% in 2022, then soared by 303bps to 3166.67% in 2023, then plummeted by -97bps to 110.68% in 2024, then crashed by -78bps to 24.11% in 2025.
  • Business Quant data shows Operating Margin for CACC at 24.11% in Q4 2025, 1801.66% in Q3 2025, and 16.79% in Q2 2025.