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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's Operating Margin history spans 16 years, with the latest figure at 24.11% for Q4 2025.

  • On a quarterly basis, Operating Margin fell 8657.0% to 24.11% in Q4 2025 year-over-year; TTM through Dec 2025 was 26.79%, a 27107.0% decrease, with the full-year FY2025 number at 21.31%, up 54139.0% from a year prior.
  • Operating Margin hit 24.11% in Q4 2025 for Credit Acceptance, up from 1801.66% in the prior quarter.
  • Over the last five years, Operating Margin for CACC hit a ceiling of 3166.67% in Q4 2023 and a floor 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.
  • Tracing CACC's Operating Margin over 5 years: stood at 1048.98% in 2021, then crashed by -49bps to 1563.74% in 2022, then surged by 303bps to 3166.67% in 2023, then crashed by -97bps to 110.68% in 2024, then tumbled 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.