Credit Acceptance reported a gross margin of 96.92% and a net margin of 23.14% for the quarter ended Jun 2026. These financial ratios cover 66 quarters of results from Dec 2009 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2009 | Jun2010 | Sep2010 | Dec2010 | Mar2011 | Jun2011 | Sep2011 | Dec2011 | Mar2012 | Jun2012 | Sep2012 | Dec2012 | Mar2013 | Jun2013 | Sep2013 | Dec2013 | Mar2014 | Jun2014 | Sep2014 | Dec2014 | Mar2015 | Jun2015 | Sep2015 | Dec2015 | Mar2016 | Jun2016 | Sep2016 | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
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| Profitability | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gross Margin | 97.87% | 97.95% | 98.05% | 97.33% | 97.20% | 97.30% | 96.06% | 95.88% | 96.55% | 96.62% | 96.65% | 96.23% | 96.64% | 96.87% | 97.18% | 96.61% | 96.81% | 97.03% | 97.28% | 96.92% | ||||||||||||||||||||||||||||||||||||||||||||||
| EBT Margin | 70.67% | 61.46% | 62.43% | 31.07% | 26.53% | 35.51% | 27.94% | 5.84% | 20.16% | 23.68% | 17.01% | -10.27% | 19.35% | 33.91% | 24.81% | 20.18% | 25.57% | 27.07% | 30.17% | 28.70% | ||||||||||||||||||||||||||||||||||||||||||||||
| EBIT Margin | 68.54% | 59.41% | 60.48% | 28.40% | 23.72% | 32.81% | 24.00% | 1.72% | 16.72% | 20.30% | 13.66% | -14.05% | 15.99% | 30.78% | 21.99% | 16.79% | 22.37% | 24.11% | 27.45% | 25.62% | ||||||||||||||||||||||||||||||||||||||||||||||
| EBITDA Margin | 68.54% | 59.41% | 60.48% | 28.40% | 23.72% | 32.81% | 24.00% | 1.72% | 16.72% | 20.30% | 13.66% | -14.05% | 15.99% | 30.78% | 21.99% | 16.79% | 22.37% | 24.11% | 27.45% | 25.62% | ||||||||||||||||||||||||||||||||||||||||||||||
| Operating Margin | 68.54% | 59.41% | 60.48% | 28.40% | 23.72% | 32.81% | 24.00% | 1.72% | 16.72% | 20.30% | 13.66% | -14.05% | 15.99% | 30.78% | 21.99% | 16.79% | 22.37% | 24.11% | 27.45% | 25.62% | ||||||||||||||||||||||||||||||||||||||||||||||
| Net Margin | 53.18% | 46.98% | 47.03% | 23.48% | 18.86% | 27.73% | 21.93% | 4.65% | 14.79% | 19.04% | 12.66% | -8.75% | 14.32% | 26.84% | 18.61% | 14.97% | 18.58% | 21.04% | 23.41% | 23.14% | ||||||||||||||||||||||||||||||||||||||||||||||
| FCF Margin | 56.75% | 27.98% | 82.16% | 54.70% | 70.69% | 62.22% | 65.14% | 58.84% | 65.50% | 62.96% | 60.96% | 37.83% | 57.66% | 53.98% | 60.57% | 23.88% | 51.30% | 46.37% | 59.57% | 52.42% | ||||||||||||||||||||||||||||||||||||||||||||||
| Efficiency | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 7,500.20M | 7,124.95M | 7,044.60M | 7,008.40M | 6,935.45M | 6,898.55M | 7,029.80M | 7,180.20M | 7,301.30M | 7,503.65M | 7,853.60M | 8,176.20M | 8,469.30M | 8,768.90M | 9,056.30M | 8,991.30M | 8,682.60M | 8,636.15M | 8,663.15M | 8,658.60M | ||||||||||||||||||||||||||||||||||||||||||||||
| Invested CapitalInvested Cap. | 5,686.80M | 5,635.70M | 5,461.20M | 5,289.00M | 5,223.30M | 5,380.40M | 5,495.20M | 5,521.20M | 5,735.10M | 5,744.60M | 6,096.30M | 6,427.10M | 6,903.60M | 7,111.10M | 7,328.90M | 6,938.00M | 6,711.70M | 5,238.80M | 6,614.40M | 6,607.90M | ||||||||||||||||||||||||||||||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.25 | 0.26 | 0.26 | 0.26 | 0.26 | 0.27 | 0.26 | 0.26 | 0.26 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.27 | 0.27 | 0.27 | 0.27 | ||||||||||||||||||||||||||||||||||||||||||||||
| Leverage & Solvency | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 8.10 | 7.13 | 7.55 | 3.34 | 2.61 | 3.05 | 2.00 | 0.13 | 1.13 | 1.27 | 0.75 | -0.72 | 0.79 | 1.57 | 1.10 | 0.83 | 1.12 | 1.23 | 1.47 | 1.40 | ||||||||||||||||||||||||||||||||||||||||||||||
| Debt Ratio | 0.52 | 0.54 | 0.54 | 0.54 | 0.53 | 0.54 | 0.53 | 0.52 | 0.55 | 0.52 | 0.55 | 0.59 | 0.61 | 0.61 | 0.61 | 0.62 | 0.59 | 0.60 | 0.59 | 0.58 | ||||||||||||||||||||||||||||||||||||||||||||||
| Times Interest Earned | 8.10 | 7.13 | 7.55 | 3.34 | 2.61 | 3.05 | 2.00 | 0.13 | 1.13 | 1.27 | 0.75 | -0.72 | 0.79 | 1.57 | 1.10 | 0.83 | 1.12 | 1.23 | 1.47 | 1.40 | ||||||||||||||||||||||||||||||||||||||||||||||
| Valuation | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 34.46 | 44.71 | 34.32 | 57.19 | 65.22 | 47.54 | 56.26 | 293.36 | 81.67 | 71.27 | 104.83 | -132.34 | 68.15 | 37.24 | 57.06 | 65.50 | 47.65 | 38.82 | 32.50 | 48.62 | ||||||||||||||||||||||||||||||||||||||||||||||
| Price to SalesP/S | 18.32 | 21.00 | 16.14 | 13.43 | 12.30 | 13.18 | 12.33 | 13.63 | 12.08 | 13.57 | 13.27 | 11.58 | 9.76 | 9.99 | 10.62 | 9.81 | 8.85 | 8.17 | 7.61 | 11.25 | ||||||||||||||||||||||||||||||||||||||||||||||
| Price to BookP/B | 4.41 | 5.33 | 4.52 | 4.04 | 3.56 | 3.73 | 3.25 | 3.73 | 3.40 | 3.80 | 4.08 | 4.01 | 3.26 | 3.23 | 3.55 | 3.68 | 3.27 | 59.20 | 2.92 | 4.16 | ||||||||||||||||||||||||||||||||||||||||||||||
| Enterprise Value | 8,184.85M | 9,316.94M | 6,873.93M | 5,716.01M | 5,276.32M | 5,641.87M | 5,117.41M | 6,103.72M | 5,346.87M | 6,213.36M | 6,181.06M | 5,724.06M | 4,813.93M | 5,154.82M | 5,474.20M | 5,230.87M | 4,672.68M | 4,258.32M | 3,888.07M | 6,116.15M | ||||||||||||||||||||||||||||||||||||||||||||||
| EV to EBIT | 25.40 | 33.86 | 24.94 | 44.00 | 48.32 | 37.46 | 46.99 | 744.36 | 66.84 | 62.26 | 89.06 | -75.72 | 54.70 | 29.59 | 43.58 | 53.38 | 35.86 | 30.46 | 24.42 | 40.64 | ||||||||||||||||||||||||||||||||||||||||||||||
| EV to EBITDA | 25.40 | 33.86 | 24.94 | 44.00 | 48.32 | 37.46 | 46.99 | 744.36 | 66.84 | 62.26 | 89.06 | -75.72 | 54.70 | 29.59 | 43.58 | 53.38 | 35.86 | 30.46 | 24.42 | 40.64 | ||||||||||||||||||||||||||||||||||||||||||||||
| Market Capitalization | 8,613.85M | 9,727.84M | 7,355.03M | 6,142.71M | 5,661.02M | 6,051.87M | 5,597.41M | 6,512.52M | 5,781.97M | 6,671.06M | 6,740.26M | 6,233.36M | 5,370.53M | 5,656.12M | 6,066.00M | 5,724.67M | 5,155.58M | 4,736.22M | 4,413.77M | 6,606.85M | ||||||||||||||||||||||||||||||||||||||||||||||
| Price to FCFP/FCF | 32.29 | 75.06 | 19.64 | 24.55 | 17.40 | 21.19 | 18.94 | 23.16 | 18.44 | 21.55 | 21.76 | 30.62 | 16.93 | 18.51 | 17.54 | 41.07 | 17.25 | 17.61 | 12.78 | 21.46 | ||||||||||||||||||||||||||||||||||||||||||||||
| EV to FCF | 30.68 | 71.89 | 18.36 | 22.85 | 16.21 | 19.75 | 17.31 | 21.71 | 17.06 | 20.08 | 19.96 | 28.11 | 15.17 | 16.87 | 15.83 | 37.52 | 15.64 | 15.84 | 11.25 | 19.86 | ||||||||||||||||||||||||||||||||||||||||||||||
| EV to CFO | 30.34 | 71.07 | 18.28 | 22.91 | 16.17 | 19.67 | 17.26 | 21.59 | 17.06 | 19.97 | 19.94 | 28.06 | 15.15 | 16.83 | 15.81 | 37.44 | 15.61 | 15.81 | 11.21 | 19.76 | ||||||||||||||||||||||||||||||||||||||||||||||
| Return Ratios | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 68.54% | 59.41% | 60.48% | 28.40% | 23.72% | 32.81% | 24.00% | 1.72% | 16.72% | 20.30% | 13.66% | -14.05% | 15.99% | 30.78% | 21.99% | 16.79% | 22.37% | 24.11% | 27.45% | 25.62% | ||||||||||||||||||||||||||||||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 14.56% | 16.41% | 16.96% | 14.11% | 11.29% | 9.45% | 6.97% | 5.22% | 4.77% | 4.03% | 3.33% | 2.06% | 2.03% | 2.75% | 3.26% | 5.18% | 5.85% | 6.19% | 6.74% | 6.78% | ||||||||||||||||||||||||||||||||||||||||||||||
| Return on Assets [ROA]ROA | 12.09% | 13.45% | 13.78% | 11.26% | 9.03% | 7.77% | 5.99% | 4.68% | 4.38% | 3.81% | 3.19% | 2.22% | 2.24% | 2.83% | 3.20% | 4.72% | 5.23% | 4.91% | 5.23% | 5.80% |