stockrowCredit Acceptance Corporation
CACC Financial Credit Services
Credit Acceptance Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.3 billion, up 7.16% from fiscal 2024.
- Revenue
- +2.09%
- EPS
- −156.4%
- Free cash flow
- +11.8%
- Total debt
- +5.57%
Quarter to September 2026, against a year earlier
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Credit Acceptance Corporation (CACC) Net margin
Credit Acceptance Corporation's net margin over the twelve months to 30 September 2026 was 14.4%, down 3.9 percentage points from fiscal 2025 (18.3%). Over the past ten years it has ranged from 11.5% (fiscal 2024) to 205.7% (fiscal 2022); the current reading is higher than 27% of that period. That is above the Credit Services industry median of 8.35% and in line with the Financial sector median of 14.3%.
Net margin, annual
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Annual newest first
| Period | Net margin | Change (points) |
|---|---|---|
| FY2025 | 18.3% | 6.83 |
| FY2024 | 11.5% | (3.58) |
| FY2023 | 15.0% | (190.64) |
| FY2022 | 205.7% | 154.05 |
| FY2021 | 51.6% | 26.41 |
| FY2020 | 25.2% | (18.84) |
| FY2019 | 44.1% | (0.58) |
| FY2018 | 44.6% | 2.28 |
| FY2017 | 42.4% | 8.02 |
| FY2016 | 34.3% | (1.97) |
Quarterly newest first
| Period | Net margin | Change (points) |
|---|---|---|
| Sep 2026 | −9.52% | (32.66) |
| Jun 2026 | 23.1% | (0.27) |
| Mar 2026 | 23.4% | 2.37 |
| Dec 2025 | 21.0% | 2.46 |
| 43 more quarters | Free account |
Against its own ten years
Net margin against peers
| Company | Net margin |
|---|---|
| SEZL Sezzle Inc. compare | 31.4% |
| SLM SLM Corporation compare | 19.1% |
| CACC Credit Acceptance Corporation | 14.4% |
| OMF OneMain Holdings, Inc. compare | 11.8% |
| BFH Bread Financial Holdings, Inc. compare | 11.0% |
| ENVA Enova International, Inc. compare | 10.5% |
| FCFS FirstCash Holdings, Inc. compare | 9.48% |
| NNI Nelnet, Inc. compare | 0.00% |
| KLAR Klarna Group plc compare | −3.52% |
| Credit Services industry median | 8.35% |
| Financial sector median | 14.3% |
| Market median | 1.06% |
What Net margin is
Net Profit Margin tells an investor how much of each unit of revenue ends up as profit for shareholders after all costs, interest and taxes.
Net Income Allotted to Shareholders ÷ Revenue
More on CACC
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement