Credit Acceptance Ratios (2009-2025) | CACC

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Ratios	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
Gross Margin (Quarter)	98.00%	97.82%	35.06%	165.31%	-39.13%	20.78%	-20.12%	167.25%	-2.87%	-32.83%	95.30%	-74.07%	95.30%	16.46%	96.64%	102.57%	31.49%	96.61%	-2.90%	97.03%
EBT Margin (Quarter)	58.60%	80.50%	2,157.14%	1,936.73%	2,061.59%	922.73%	744.51%	953.22%	728.74%	140.91%	20.16%	538.89%	17.01%	-227.57%	19.35%	-12.79%	602.98%	20.18%	617.84%	27.07%
EBIT Margin (Quarter)	56.61%	78.31%	-860.39%	-1,048.98%	-1,279.71%	-2,026.62%	-2,082.32%	-1,563.74%	-677.01%	-623.74%	15.46%	3,166.67%	70.47%	-495.47%	73.12%	110.68%	-545.11%	16.79%	-1,801.66%	24.11%
EBITDA Margin (Quarter)	56.61%	78.31%	-860.39%	-1,048.98%	-1,279.71%	-2,026.62%	-2,082.32%	-1,563.74%	-677.01%	-623.74%	15.46%	3,166.67%	70.47%	-495.47%	73.12%	110.68%	-545.11%	16.79%	-1,801.66%	24.11%
Operating Margin (Quarter)	56.61%	78.31%	-860.39%	-1,048.98%	-1,279.71%	-2,026.62%	-2,082.32%	-1,563.74%	-677.01%	-623.74%	15.46%	3,166.67%	70.47%	-495.47%	73.12%	110.68%	-545.11%	16.79%	-1,801.66%	24.11%
Net Margin (Quarter)	44.81%	61.18%	1,623.38%	1,480.27%	1,552.90%	697.40%	529.27%	744.44%	571.84%	112.12%	14.79%	433.33%	12.66%	-193.83%	14.32%	-10.12%	452.34%	14.97%	448.96%	21.04%
FCF Margin (Quarter)	71.93%	72.29%	1,732.47%	881.63%	2,713.04%	1,624.68%	1,984.15%	1,670.18%	1,698.85%	1,420.20%	65.50%	1,432.87%	60.96%	837.86%	57.66%	-20.36%	1,471.91%	23.88%	1,239.83%	46.37%
Efficiency
Assets Average (Quarter)	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 (Quarter)	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 (Quarter)	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 (Quarter)	0.12	0.18	0.18	0.13	0.07	0.01	0.01	0.01	0.01	0.01	0.07	0.07	0.13	0.13	0.13	-0.05	-0.10	-0.04	-0.10	0.14
Leverage & Solvency
Interest Coverage Ratio (Quarter)	5.83	8.80	-3.33	-3.99	-4.84	-8.02	-8.17	-5.41	-2.17	-1.97	1.05	8.68	3.87	-1.15	3.62	-14.92	-1.12	0.83	-3.73	1.23
Debt to Equity (Quarter)	0.11	0.10	0.41	2.09	0.15	0.16	0.01	0.49	0.15	0.14	0.06	0.56	0.01	0.64	3.19	3.06	3.28	0.00	0.09	3.39
Debt Ratio (Quarter)	0.03	0.03	0.11	0.54	0.04	0.04	0.00	0.12	0.03	0.03	0.01	0.13	0.00	0.12	0.61	0.61	0.61	0.00	0.02	0.60
Equity Ratio (Quarter)	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 (Quarter)	5.83	8.80	-3.33	-3.99	-4.84	-8.02	-8.17	-5.41	-2.17	-1.97	1.05	8.68	3.87	-1.15	3.62	-14.92	-1.12	0.83	-3.73	1.23
Valuation
Enterprise Value (Quarter)	-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 (Quarter)	0.00%	0.01%	0.16%	0.15%	0.16%	0.07%	0.05%	0.07%	0.06%	0.01%	0.00%	0.04%	0.00%	-0.02%	0.00%	0.00%	0.05%	0.00%	0.04%	0.00%
Return on Invested Capital (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%	-0.01%	-0.01%	-0.01%	0.00%
Return on Assets (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (Quarter)	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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Credit Acceptance Ratios (2009-2025) | CACC

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