Credit Acceptance (CACC) Operating Margin (2010 - 2026)
Credit Acceptance (CACC) posted Operating Margin of 5470.71% for Q4 2025, down 208.05% sequentially from 1775.93% in Q3 2025, and down 559682.0% YoY from N/an in Q4 2024.
Credit Acceptance (CACC) Operating Margin (2010 - 2026) Analysis & Trends
Credit Acceptance has reported Operating Margin for 16 years, with the latest figure at 5470.71% in Q4 2025.
- Quarterly Operating Margin fell 559682.0% year-over-year to 5470.71% in Q4 2025, while the trailing twelve-month figure through Dec 2025 was 269.43% (down 75500.0% YoY) and the FY2025 annual result came in at 1807.43%, up 7634.0% from the prior year.
- Operating Margin slipped to 5470.71% in Q4 2025 per CACC's latest filing, from 1775.93% in the prior quarter.
- Over five years, Operating Margin peaked at 126.11% in Q4 2024 and troughed at 5470.71% in Q4 2025.
- A 5-year average of 655.2% and a median of 20.26% in 2025 frame the typical range for Operating Margin.
- The sharpest annual moves came in 2021 and 2025: Operating Margin jumped 259989 bps in 2021, then tumbled 559682 bps in 2025.
- Over 5 years, Operating Margin stood at 114.11% in 2021, then slumped by 71 bps to 32.81% in 2022, then jumped by 235 bps to 109.84% in 2023, then rose by 15 bps to 126.11% in 2024, then slumped by 4438 bps to 5470.71% in 2025.
- According to Business Quant data, Operating Margin over the past three periods registered 5470.71%, 1775.93%, and 16.79% for Q4 2025, Q3 2025, and Q2 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | - |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | Credit Acceptance | 6.11 Bn | 5.62 Bn | 569.30 Mn | 25.62% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 25.62% |
| Dec 31, 2025 | -5,470.71% |
| Sep 30, 2025 | -1,775.93% |
| Jun 30, 2025 | 16.79% |
| Mar 31, 2025 | -545.11% |
| Dec 31, 2024 | 126.11% |
| Sep 30, 2024 | 15.99% |
| Jun 30, 2024 | -2,425.93% |
| Mar 31, 2024 | 71.83% |
| Dec 31, 2023 | 109.84% |
| Sep 30, 2023 | 73.46% |
| Jun 30, 2023 | 1.72% |
| Mar 31, 2023 | -1,882.18% |
| Dec 31, 2022 | 32.81% |
| Sep 30, 2022 | 23.72% |
| Jun 30, 2022 | 71.82% |
| Mar 31, 2022 | 75.55% |
| Dec 31, 2021 | 114.11% |
| Sep 30, 2021 | 68.54% |
| Jun 30, 2021 | -547.47% |