CACC Credit Acceptance margins

Relative Growth: Rel. Growth: 33

Relative Strength: Rel. Strength: 42

Relative Valuation: Rel. Valuation: 63

Relative Profitability: Rel. Profitability: 71

Gross margin

61.2%

Operating margin

36.9%

EBITDA margin

37.9%

Net margin

14.4%

For this period, Credit Acceptance reports a gross margin of 61.2%, an operating margin of 36.9%, an EBITDA margin of 37.9%, and a net margin of 14.4%. The company's available margins all weakened, with EBITDA margin showing the strongest contraction of 9.3 percentage points.

CACC margin history

Gross, operating, EBITDA and net margin trends

Credit Acceptance's margins averaged 63.13% gross, 38.53% operating, 39.7% EBITDA, and 15.21% net during the last 3 years. Compared with their three-year averages, all four current margins are lower.

CACC margin expansion

Year-over-year margin changes in percentage points

Year over year, gross, operating, EBITDA, and net margins all declined, with EBITDA margin showing the largest decrease at 9.3 percentage points.

Gross margin expansion

-9.2pp

Operating margin expansion

-9.2pp

EBITDA margin expansion

-9.3pp

Net margin expansion

-5.3pp

CACC Gross margin

Across the last 3 years, Credit Acceptance's gross margin averaged 63.13%. As of the latest period, the current gross margin for Credit Acceptance is 61.2%, 1.9 percentage points below its three-year average. Gross margin was highest at 72.1% in Jun 2026 and lowest at 54.1% in Jun 2024.

CACC Operating margin

Credit Acceptance's operating margin averaged 38.53% during the last 3 years. Compared with its three-year average, Credit Acceptance's current operating margin is 36.9% and is 1.6 percentage points below its three-year average. Over the last 3 years, Credit Acceptance's operating margin peaked at 47% in Jun 2026 and reached a low of 29.4% in Jun 2024.

CACC EBITDA margin

Over the last 3 years, Credit Acceptance had an average EBITDA margin of 39.7%. Against its three-year average, Credit Acceptance's EBITDA margin is currently 37.9%, 1.8 percentage points below its three-year average. Looking back over the last 3 years, Credit Acceptance's EBITDA margin reached 48.1% at its highest point in Jun 2026 and 30.7% at its lowest in Jun 2024.

CACC Net margin

In the last 3 years, Credit Acceptance had an average net margin of 15.21%. Against its three-year average, Credit Acceptance's net margin is currently 14.4%, 0.8 percentage points below its three-year average. Looking back over the last 3 years, Credit Acceptance's net margin reached 21.5% at its highest point in Jun 2026 and 9% at its lowest in Jun 2024.

CACC margin group comparison

Margins compared with peer-group, industry and sector averages

Credit Acceptance's gross margin of 61.2% is below the Financial Services sector, the industry and its peers average. Looking at its Financial Services sector average of 83.4%, Credit Acceptance's gross margin is 27% lower.

CACC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Credit Acceptance's gross margin?

For the period ending Sep 30, 2026, CACC recorded a gross margin of 61.2%.

What is Credit Acceptance's operating margin?

For the period ending Sep 30, 2026, CACC recorded an operating margin of 36.9%.

What is Credit Acceptance's EBITDA margin?

For the period ending Sep 30, 2026, CACC recorded an EBITDA margin of 37.9%.

What is Credit Acceptance's net margin?

As of Sep 30, 2026, CACC has a net margin of 14.4%.

What are the average margins of CACC?

The three-year average margins for CACC were 63.1% gross, 38.5% operating, 39.7% EBITDA, and 15.2% net.

What are the highest historical margins of CACC?

In the last 5 years, the highest margins reported by CACC were 97.5% gross in Dec 2021, 77.3% operating in Mar 2022, 78.7% EBITDA in Mar 2022, and 52.2% net in Mar 2022.

What are the lowest historical margins of CACC?

Over the last 5 years, Credit Acceptance's lowest margins were 54.1% gross in Jun 2024, 29.4% operating in Jun 2024, 30.7% EBITDA in Jun 2024, and 9% net in Jun 2024.