Credit Acceptance (CACC) Operating Margin (2010 - 2025)
Credit Acceptance (CACC) posted Operating Margin of 24.11% for Q4 2025, up 101.34% sequentially from 1801.66% in Q3 2025, and down 8657.0% YoY from 0.28% in Q4 2024.
Credit Acceptance (CACC) Operating Margin (2010 - 2025) Analysis & Trends
Credit Acceptance (CACC) has 16 years of Operating Margin data on file, last reported at 24.11% in Q4 2025.
- Quarterly Operating Margin fell 8657.0% year-over-year to 24.11% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 26.79% (down 27107.0% YoY) and the FY2025 annual result came in at 21.31%, up 54139.0% from the prior year.
- Operating Margin climbed to 24.11% in Q4 2025 per CACC's latest filing, from 1801.66% in the prior quarter.
- The five-year high for Operating Margin was 3166.67% in Q4 2023, with the low at 2082.32% in Q3 2022.
- Average Operating Margin over 5 years is 469.63%, with a median of 520.29% recorded in 2025.
- Year-over-year, Operating Margin soared 473041 bps in 2023 and plunged 305599 bps in 2024.
- Credit Acceptance's Operating Margin stood at 1048.98% in 2021, then slumped by 49 bps to 1563.74% in 2022, then jumped by 303 bps to 3166.67% in 2023, then sank by 97 bps to 110.68% in 2024, then tumbled by 78 bps to 24.11% in 2025.
- Business Quant data shows CACC's Operating Margin at 24.11% in Q4 2025, 1801.66% in Q3 2025, and 16.79% in Q2 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 26.44% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 3.39% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 35.49% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 50.95% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 24.11% |
| Sep 30, 2025 | -1,801.66% |
| Jun 30, 2025 | 16.79% |
| Mar 31, 2025 | -545.11% |
| Dec 31, 2024 | 110.68% |
| Sep 30, 2024 | 73.12% |
| Jun 30, 2024 | -495.47% |
| Mar 31, 2024 | 70.47% |
| Dec 31, 2023 | 3,166.67% |
| Sep 30, 2023 | 15.46% |
| Jun 30, 2023 | -623.74% |
| Mar 31, 2023 | -677.01% |
| Dec 31, 2022 | -1,563.74% |
| Sep 30, 2022 | -2,082.32% |
| Jun 30, 2022 | -2,026.62% |
| Mar 31, 2022 | -1,279.71% |
| Dec 31, 2021 | -1,048.98% |
| Sep 30, 2021 | -860.39% |
| Jun 30, 2021 | 78.31% |
| Mar 31, 2021 | 56.61% |