Credit Acceptance Ratios (2010-2025) | CACC

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Ratios	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
Profitability
Gross Margin	94.38%	94.53%	94.98%	94.66%	94.02%	93.74%	94.44%	93.96%	94.07%	94.16%	94.92%	94.54%	93.80%	93.63%	94.12%	93.78%	93.88%	94.83%	95.35%	93.98%	94.63%	94.34%	94.77%	93.99%	95.01%	95.05%	95.47%	94.25%	94.78%	95.00%	94.88%	93.98%	94.55%	95.09%	95.22%	94.69%	95.22%	95.62%	95.57%	95.09%	95.52%	96.11%	96.51%	96.19%	96.84%	96.53%	96.35%	95.79%	95.85%	95.72%	96.14%	95.13%	94.50%	95.30%	95.77%	95.30%	95.28%	95.80%	96.11%	95.66%	95.44%	95.74%	95.65%
EBT Margin	59.61%	58.39%	59.98%	54.41%	54.38%	58.86%	57.83%	55.34%	58.76%	53.82%	57.31%	57.74%	57.50%	59.18%	59.04%	45.22%	60.73%	63.46%	62.88%	58.34%	57.80%	56.09%	57.81%	51.95%	56.48%	55.35%	55.27%	54.87%	56.92%	56.39%	42.60%	53.35%	62.78%	59.76%	58.63%	58.31%	58.09%	57.86%	55.77%	-28.99%	31.45%	74.65%	48.30%	58.60%	80.50%	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%
EBIT Margin	53.99%	52.91%	54.96%	49.07%	48.41%	52.61%	52.27%	49.30%	52.83%	47.98%	52.23%	52.28%	51.30%	52.81%	53.17%	39.01%	54.62%	58.28%	58.24%	52.32%	52.44%	50.43%	52.57%	45.94%	51.49%	50.41%	50.74%	49.12%	51.70%	51.39%	37.49%	47.33%	57.32%	54.85%	53.85%	53.00%	53.32%	53.47%	51.33%	-33.90%	26.98%	70.76%	44.81%	54.79%	77.34%	67.20%	57.82%	58.22%	26.91%	22.25%	31.66%	23.07%	0.33%	15.46%	19.45%	12.30%	-14.99%	15.16%	30.02%	20.47%	15.62%	21.31%	22.73%
EBITDA Margin	53.99%	52.91%	54.96%	49.07%	48.41%	52.61%	52.27%	49.30%	52.83%	47.98%	52.23%	52.28%	51.30%	52.81%	53.17%	39.01%	54.62%	58.28%	58.24%	52.32%	52.44%	50.43%	52.57%	45.94%	51.49%	50.41%	50.74%	49.12%	51.70%	51.39%	37.49%	47.33%	57.32%	54.85%	53.85%	53.00%	53.32%	53.47%	51.33%	-33.90%	26.98%	70.76%	44.81%	54.79%	77.34%	67.20%	57.82%	58.22%	26.91%	22.25%	31.66%	23.07%	0.33%	15.46%	19.45%	12.30%	-14.99%	15.16%	30.02%	20.47%	15.62%	21.31%	22.73%
Operating Margin	53.99%	52.91%	54.96%	49.07%	48.41%	52.61%	52.27%	49.30%	52.83%	47.98%	52.23%	52.28%	51.30%	52.81%	53.17%	39.01%	54.62%	58.28%	58.24%	52.32%	52.44%	50.43%	52.57%	45.94%	51.49%	50.41%	50.74%	49.12%	51.70%	51.39%	37.49%	47.33%	57.32%	54.85%	53.85%	53.00%	53.32%	53.47%	51.33%	-33.90%	26.98%	70.76%	44.81%	54.79%	77.34%	67.20%	57.82%	58.22%	26.91%	22.25%	31.66%	23.07%	0.33%	15.46%	19.45%	12.30%	-14.99%	15.16%	30.02%	20.47%	15.62%	21.31%	22.73%
Net Margin	-0.02%			34.98%				35.32%	37.29%	33.98%	37.60%	36.79%	36.30%	37.70%	37.59%	28.15%	38.60%	40.73%	39.44%	36.82%	36.53%	35.20%	36.73%	32.65%	35.60%	34.83%	34.19%	35.50%	35.91%	35.47%	61.64%	40.63%	47.88%	45.48%	44.31%	46.47%	44.36%	43.68%	41.95%	-21.54%	23.73%	56.76%	37.17%	44.81%	61.18%	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%
FCF Margin		44.12%	41.33%	68.41%	40.69%	45.92%	51.17%	59.83%	39.79%	42.26%	55.49%	48.39%	34.24%	45.98%	58.76%	51.67%	44.27%	52.72%	50.84%	59.78%	35.06%	52.24%	47.34%	39.49%	56.86%	54.46%	55.35%	60.39%	35.22%	53.47%	52.18%	69.76%	31.26%	52.44%	58.31%	63.60%	42.98%	52.84%	52.11%	58.31%	67.22%	64.55%	45.02%	71.93%	72.29%	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%
Efficiency
Assets Average				1,417.81M	1,536.90M	1,626.20M	1,714.65M	1,856.80M	1,978.95M	2,053.10M	2,118.25M	2,190.75M	2,281.80M	2,350.25M	2,409.30M	2,503.55M	2,600.65M	2,675.05M	2,753.95M	2,956.25M	3,129.80M	3,254.05M	3,374.10M	3,538.30M	3,864.20M	4,058.75M	4,155.55M	4,387.35M	4,642.25M	4,777.35M	4,906.25M	5,259.80M	5,704.15M	6,059.20M	6,240.75M	6,493.65M	6,829.20M	6,989.75M	7,247.10M	7,341.40M	7,298.60M	7,379.55M	7,455.25M	7,597.95M	7,754.15M	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
Equity Average				434.90M	418.60M	467.60M	516.65M	556.30M	556.50M	569.10M	609.85M	623.25M	639.25M	671.85M	719.95M	732.55M	693.90M	710.65M	725.35M	739.75M	815.60M	892.60M	929.70M	959.75M	1,034.75M	1,121.90M	1,169.70M	1,168.75M	1,206.00M	1,300.00M	1,443.80M	1,596.25M	1,733.15M	1,886.45M	1,977.10M	2,019.90M	2,132.10M	2,299.05M	2,369.05M	2,160.70M	2,015.60M	2,186.80M	2,305.50M	2,336.15M	2,381.40M	2,173.40M	1,889.00M	1,726.50M	1,574.45M	1,554.65M	1,606.60M	1,673.70M	1,735.20M	1,723.95M	1,727.30M	1,702.95M	1,603.55M	1,600.70M	1,698.05M	1,730.25M	1,632.80M	1,566.65M	1,551.10M
Invested Capital			474.50M	395.30M	441.90M	493.30M	540.00M	572.60M	540.40M	597.80M	621.90M	624.60M	653.90M	689.80M	750.10M	715.00M	672.80M	748.50M	702.20M	777.30M	853.90M	931.30M	928.10M	991.40M	1,078.10M	1,165.70M	1,173.70M	1,163.80M	1,248.20M	1,351.80M	1,535.80M	1,656.70M	1,809.60M	1,963.30M	1,990.90M	2,048.90M	2,215.30M	2,382.80M	2,355.30M	1,966.10M	2,065.10M	2,308.50M	2,302.50M	2,369.80M	2,393.00M	1,953.80M	1,824.20M	1,628.80M	1,520.10M	1,589.20M	1,624.00M	1,723.40M	1,747.00M	1,700.90M	1,753.70M	1,652.20M	1,554.90M	1,646.50M	1,749.60M	1,710.90M	1,554.70M	1,578.60M	1,523.60M
Asset Utilization Ratio				0.33	0.31	0.31	0.31	0.29	0.29	0.29	0.29	0.29	0.28	0.28	0.28	0.28	0.27	0.27	0.26	0.25	0.24	0.24	0.24	0.24	0.23	0.23	0.23	0.23	0.22	0.23	0.23	0.22	0.21	0.20	0.21	0.21	0.20	0.21	0.21	0.21	0.21	0.22	0.22	0.23	0.23	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
Leverage & Solvency
Interest Coverage Ratio	4.92	4.91	5.38	4.80	4.21	4.82	4.80	4.62	5.14	4.58	5.10	5.38	5.36	5.66	5.58	4.31	7.38	7.84	7.76	6.82	5.43	5.20	5.43	4.74	5.05	4.95	4.96	4.68	4.77	4.78	3.34	4.06	4.67	4.43	4.36	4.17	3.97	4.02	3.88	-2.54	2.27	6.45	4.45	5.64	8.69	7.94	6.94	7.27	3.16	2.45	2.94	1.92	0.03	1.05	1.21	0.68	-0.77	0.75	1.53	1.02	0.77	1.07	1.16
Debt to Equity			0.51		0.79	0.71	1.11	0.61	1.41	1.32	1.37	1.42	1.38	1.44	1.25	1.59	1.86	1.81	1.90	1.85	1.58	1.65	1.58	1.77	1.85	1.62	1.76	1.92	1.98	1.72	1.64	1.74	1.73	1.69	0.15	1.60	1.46	1.35	0.13	0.13	0.12	1.60	0.13	0.11	0.10	1.91	2.09	0.15	0.16	2.29	2.31	0.15	0.14	2.37	2.28	2.69	3.13	3.19	3.06	3.28	3.46	3.25	3.39
Debt Ratio			0.18		0.22	0.21	0.34	0.18	0.38	0.38	0.40	0.39	0.39	0.42	0.38	0.44	0.48	0.50	0.48	0.46	0.43	0.45	0.44	0.47	0.50	0.46	0.49	0.49	0.52	0.48	0.50	0.52	0.53	0.53	0.05	0.49	0.47	0.46	0.04	0.03	0.03	0.50	0.04	0.03	0.03	0.52	0.54	0.04	0.04	0.53	0.54	0.03	0.03	0.55	0.52	0.55	0.59	0.61	0.61	0.61	0.62	0.59	0.60
Equity Ratio			0.35	0.26	0.28	0.30	0.31	0.29	0.27	0.28	0.29	0.28	0.28	0.29	0.31	0.28	0.26	0.27	0.25	0.25	0.27	0.28	0.28	0.27	0.27	0.28	0.28	0.26	0.26	0.28	0.31	0.30	0.31	0.31	0.32	0.30	0.32	0.34	0.32	0.27	0.28	0.31	0.31	0.31	0.31	0.27	0.26	0.23	0.22	0.23	0.24	0.24	0.24	0.23	0.23	0.20	0.19	0.19	0.20	0.18	0.18	0.18	0.18
Times Interest Earned	4.92	4.91	5.38	4.80	4.21	4.82	4.80	4.62	5.14	4.58	5.10	5.38	5.36	5.66	5.58	4.31	7.38	7.84	7.76	6.82	5.43	5.20	5.43	4.74	5.05	4.95	4.96	4.68	4.77	4.78	3.34	4.06	4.67	4.43	4.36	4.17	3.97	4.02	3.88	-2.54	2.27	6.45	4.45	5.64	8.69	7.94	6.94	7.27	3.16	2.45	2.94	1.92	0.03	1.05	1.21	0.68	-0.77	0.75	1.53	1.02	0.77	1.07	1.16
Valuation
Enterprise Value	-1.54M	-1.54M	-4.61M	-4.58M	-6.43M	-4.44M	-5.50M	-5.52M	-5.99M	-5.72M	-55.10M	-55.30M	-56.50M	-55.50M	-57.80M	-59.00M	-58.90M	-55.70M	-59.60M	-139.70M	-53.40M	-185.20M	-54.60M	-58.20M	-204.90M	-52.70M	-59.90M	-57.80M	-73.70M	-51.00M	-54.30M	-62.80M	-110.10M	-252.40M	-84.30M	-103.30M	-81.20M	-84.50M	-246.70M	-88.90M	-76.40M	-75.70M	-82.10M	-113.80M	-452.80M	-13.30M	-23.30M	-17.60M	-4.10M	-10.70M	-7.70M	-8.10M	-3.20M	-3.10M	-13.20M	-8.40M	-8.30M	-159.70M	-343.70M	-528.80M	-70.00M	-15.90M	-22.80M
Return Ratios
Return on Sales	0.00%			0.35%	0.09%	0.09%	0.08%	0.35%	0.37%	0.34%	0.38%	0.37%	0.36%	0.38%	0.38%	0.28%	0.39%	0.41%	0.39%	0.37%	0.37%	0.35%	0.37%	0.33%	0.36%	0.35%	0.34%	0.36%	0.36%	0.35%	0.62%	0.41%	0.48%	0.45%	0.44%	0.46%	0.44%	0.44%	0.42%	-0.22%	0.24%	0.57%	0.37%	0.45%	0.61%	0.53%	0.47%	0.47%	0.23%	0.19%	0.28%	0.22%	0.05%	0.15%	0.19%	0.13%	-0.09%	0.14%	0.27%	0.19%	0.15%	0.19%	0.21%
Return on Invested Capital				0.38%	0.38%	0.36%	0.33%	0.31%	0.33%	0.33%	0.32%	0.33%	0.33%	0.33%	0.32%	0.29%	0.32%	0.33%	0.33%	0.35%	0.33%	0.30%	0.29%	0.28%	0.27%	0.26%	0.26%	0.27%	0.28%	0.27%	0.29%	0.28%	0.28%	0.29%	0.26%	0.28%	0.27%	0.26%	0.25%	0.16%	0.14%	0.17%	0.16%	0.28%	0.36%	0.39%	0.48%	0.53%	0.47%	0.37%	0.30%	0.22%	0.16%	0.15%	0.12%	0.11%	0.07%	0.07%	0.10%	0.13%	0.21%	0.24%	0.22%
Return on Assets				0.03%	0.03%	0.03%	0.03%	0.03%	0.05%	0.08%	0.10%	0.10%	0.10%	0.11%	0.11%	0.10%	0.10%	0.10%	0.10%	0.10%	0.09%	0.09%	0.09%	0.09%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.10%	0.09%	0.10%	0.10%	0.09%	0.10%	0.09%	0.09%	0.09%	0.06%	0.05%	0.06%	0.06%	0.09%	0.12%	0.12%	0.13%	0.14%	0.11%	0.09%	0.08%	0.06%	0.05%	0.04%	0.04%	0.03%	0.02%	0.02%	0.03%	0.03%	0.05%	0.05%	0.05%
Return on Equity				0.10%	0.10%	0.09%	0.08%	0.09%	0.19%	0.28%	0.36%	0.37%	0.37%	0.37%	0.35%	0.33%	0.36%	0.36%	0.37%	0.39%	0.36%	0.33%	0.32%	0.32%	0.30%	0.29%	0.28%	0.30%	0.30%	0.29%	0.33%	0.31%	0.32%	0.32%	0.29%	0.31%	0.30%	0.28%	0.28%	0.19%	0.17%	0.19%	0.18%	0.30%	0.38%	0.42%	0.51%	0.56%	0.50%	0.40%	0.33%	0.25%	0.19%	0.19%	0.17%	0.15%	0.11%	0.12%	0.15%	0.17%	0.26%	0.29%	0.27%

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Credit Acceptance Ratios (2010-2025) | CACC

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