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) Operating margin
Credit Acceptance Corporation's operating margin over the twelve months to 30 September 2026 was 39.8%, down 7.7 percentage points from fiscal 2025 (47.5%). Over the past ten years it has ranged from 37.2% (fiscal 2023) to 78.9% (fiscal 2021); the current reading is higher than 36% of that period. That is above the Credit Services industry median of 0.34% and above the Financial sector median of 0.00%.
Operating margin, annual
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Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2025 | 47.5% | 8.39 |
| FY2024 | 39.1% | 1.98 |
| FY2023 | 37.2% | (16.44) |
| FY2022 | 53.6% | (25.28) |
| FY2021 | 78.9% | 31.74 |
| FY2020 | 47.1% | (25.67) |
| FY2019 | 72.8% | (0.13) |
| FY2018 | 72.9% | 7.46 |
| FY2017 | 65.5% | (2.10) |
| FY2016 | 67.6% | (3.16) |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Sep 2026 | 8.63% | (41.44) |
| Jun 2026 | 50.1% | (1.52) |
| Mar 2026 | 51.6% | 1.93 |
| Dec 2025 | 49.7% | 0.93 |
| 43 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | 76.5% |
| SEZL Sezzle Inc. compare | 41.9% |
| CACC Credit Acceptance Corporation | 39.8% |
| ENVA Enova International, Inc. compare | 24.0% |
| FCFS FirstCash Holdings, Inc. compare | 15.9% |
| NNI Nelnet, Inc. compare | 0.00% |
| OMF OneMain Holdings, Inc. compare | 0.00% |
| SLM SLM Corporation compare | 0.00% |
| KLAR Klarna Group plc compare | −1.21% |
| Credit Services industry median | 0.34% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
More on CACC
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Net 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