Credit Acceptance (CACC) Operating Margin (2010 - 2026)
Credit Acceptance's Operating Margin came in at 5.67% for Q3 2026, down 39.87 percentage points from 45.54% a year earlier and down 41.32 percentage points from the prior quarter.
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Analysis
Credit Acceptance (CACC) Operating Margin (2010 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Credit Acceptance reported Operating Margin of 36.89%, down 9.16 percentage points year-over-year; for FY2025, it was 44.38%, up 9.74 percentage points from FY2024.
- Operating Margin carries a five-year change of -0.04 percentage points (FY2020 to FY2025).
- Going back by year, Operating Margin was 34.64% in FY2024 (+1.30 pp), 33.34% in FY2023 (-14.59 pp), 47.93% in FY2022 (-28.85 pp) and 76.78% in FY2021 (+32.36 pp).
- The Q3 2026 figure represents the lowest quarterly Operating Margin since Q1 2020.
- Year-over-year, Operating Margin increased in six of the last eight quarters, with an average year-over-year change of +3.07 percentage points.
- The fastest year-over-year change in Operating Margin over five years came in Q2 2025 (a gain of 31.27 percentage points), and the weakest in Q2 2022 (a drop of 49.83 percentage points).
- Business Quant data shows CACC's Operating Margin at 46.99% (Q2 2026), 48.86% (Q1 2026) and 46.70% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | - |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 59.53% |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 62.13% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | - |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 14.82% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Credit Acceptance | 5.41 Bn | 5.36 Bn | 577.00 Mn | 5.67% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 5.67% |
| Jun 30, 2026 | 46.99% |
| Mar 31, 2026 | 48.86% |
| Dec 31, 2025 | 46.70% |
| Sep 30, 2025 | 45.54% |
| Jun 30, 2025 | 40.41% |
| Mar 31, 2025 | 44.90% |
| Dec 31, 2024 | 53.58% |
| Sep 30, 2024 | 39.56% |
| Jun 30, 2024 | 9.14% |
| Mar 31, 2024 | 35.22% |
| Dec 31, 2023 | 39.71% |
| Sep 30, 2023 | 34.89% |
| Jun 30, 2023 | 18.98% |
| Mar 31, 2023 | 39.93% |
| Dec 31, 2022 | 46.27% |
| Sep 30, 2022 | 35.61% |
| Jun 30, 2022 | 39.57% |
| Mar 31, 2022 | 70.44% |
| Dec 31, 2021 | 69.80% |
API Access
Credit Acceptance Operating 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=operating-margin&ticker=CACC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-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=operating-margin&ticker=CACC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();