Credit Acceptance annual operating margin
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2025
Credit Acceptance Operating Margin Growth & History (CACC)
Credit Acceptance's operating margin was 24.40% for fiscal 2025.
View full Credit Acceptance company overviewCredit Acceptance annual operating margin history
| Fiscal year | Period ended | Operating margin | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 24.40% | +9.16 pp |
| 2024 | 2024-12-31 | 15.24% | −4.09 pp |
| 2023 | 2023-12-31 | 19.33% | −19.51 pp |
| 2022 | 2022-12-31 | 38.84% | −29.10 pp |
| 2021 | 2021-12-31 | 67.94% | +35.02 pp |
| 2020 | 2020-12-31 | 32.92% | −24.56 pp |
| 2019 | 2019-12-31 | 57.48% | −1.24 pp |
| 2018 | 2018-12-31 | 58.73% | +6.13 pp |
| 2017 | 2017-12-31 | 52.59% | −2.21 pp |
| 2016 | 2016-12-31 | 54.81% | −2.69 pp |
| 2015 | 2015-12-31 | 57.49% | −0.68 pp |
| 2014 | 2014-12-31 | 58.18% | −0.20 pp |
| 2013 | 2013-12-31 | 58.38% | +2.06 pp |
| 2012 | 2012-12-31 | 56.32% | −0.12 pp |
| 2011 | 2011-12-31 | 56.44% | −0.90 pp |
| 2010 | 2010-12-31 | 57.34% | −2.83 pp |
| 2009 | 2009-12-31 | 60.17% | — |
Credit Acceptance quarterly operating margin
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| Fiscal quarter | Period ended | Operating margin | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 28.70% | +8.52 pp |
| Q1 2026 | 2026-03-31 | 30.17% | +5.36 pp |
| Q4 2025 | 2025-12-31 | 27.07% | −6.84 pp |
| Q3 2025 | 2025-09-30 | 25.57% | +6.21 pp |
| Q2 2025 | 2025-06-30 | 20.18% | +30.45 pp |
| Q1 2025 | 2025-03-31 | 24.81% | +7.80 pp |
| Q4 2024 | 2024-12-31 | 33.91% | +10.23 pp |
| Q3 2024 | 2024-09-30 | 19.35% | −0.81 pp |
| Q2 2024 | 2024-06-30 | −10.27% | −16.11 pp |
| Q1 2024 | 2024-03-31 | 17.01% | −10.93 pp |
| Q4 2023 | 2023-12-31 | 23.68% | −11.83 pp |
| Q3 2023 | 2023-09-30 | 20.16% | −6.36 pp |
| Q2 2023 | 2023-06-30 | 5.84% | −25.23 pp |
| Q1 2023 | 2023-03-31 | 27.94% | −34.49 pp |
| Q4 2022 | 2022-12-31 | 35.51% | −25.95 pp |
| Q3 2022 | 2022-09-30 | 26.53% | −44.14 pp |
| Q2 2022 | 2022-06-30 | 31.07% | −49.43 pp |
| Q1 2022 | 2022-03-31 | 62.43% | +3.83 pp |
| Q4 2021 | 2021-12-31 | 61.46% | +13.16 pp |
| Q3 2021 | 2021-09-30 | 70.67% | −3.99 pp |
| Q2 2021 | 2021-06-30 | 80.50% | +49.04 pp |
| Q1 2021 | 2021-03-31 | 58.60% | +87.59 pp |
| Q4 2020 | 2020-12-31 | 48.30% | −7.46 pp |
| Q3 2020 | 2020-09-30 | 74.65% | +16.80 pp |
| Q2 2020 | 2020-06-30 | 31.45% | −26.64 pp |
| Q1 2020 | 2020-03-31 | −28.99% | −87.30 pp |
| Q4 2019 | 2019-12-31 | 55.77% | −2.87 pp |
| Q3 2019 | 2019-09-30 | 57.86% | −1.90 pp |
| Q2 2019 | 2019-06-30 | 58.09% | −4.68 pp |
| Q1 2019 | 2019-03-31 | 58.31% | +4.96 pp |
| Q4 2018 | 2018-12-31 | 58.63% | +16.03 pp |
| Q3 2018 | 2018-09-30 | 59.76% | +3.37 pp |
| Q2 2018 | 2018-06-30 | 62.78% | +5.86 pp |
| Q1 2018 | 2018-03-31 | 53.35% | −1.52 pp |
| Q4 2017 | 2017-12-31 | 42.60% | −12.67 pp |
| Q3 2017 | 2017-09-30 | 56.39% | +1.04 pp |
| Q2 2017 | 2017-06-30 | 56.92% | +0.44 pp |
| Q1 2017 | 2017-03-31 | 54.87% | +2.92 pp |
| Q4 2016 | 2016-12-31 | 55.27% | −2.54 pp |
| Q3 2016 | 2016-09-30 | 55.35% | −0.74 pp |
| Q2 2016 | 2016-06-30 | 56.48% | −1.33 pp |
| Q1 2016 | 2016-03-31 | 51.95% | −6.39 pp |
| Q4 2015 | 2015-12-31 | 57.81% | −5.08 pp |
| Q3 2015 | 2015-09-30 | 56.09% | −7.37 pp |
| Q2 2015 | 2015-06-30 | 57.80% | −2.93 pp |
| Q1 2015 | 2015-03-31 | 58.34% | +13.12 pp |
| Q4 2014 | 2014-12-31 | 62.88% | +3.84 pp |
| Q3 2014 | 2014-09-30 | 63.46% | +4.28 pp |
| Q2 2014 | 2014-06-30 | 60.73% | +3.24 pp |
| Q1 2014 | 2014-03-31 | 45.22% | −12.52 pp |
| Q4 2013 | 2013-12-31 | 59.04% | +1.73 pp |
| Q3 2013 | 2013-09-30 | 59.18% | +5.36 pp |
| Q2 2013 | 2013-06-30 | 57.50% | −1.26 pp |
| Q1 2013 | 2013-03-31 | 57.74% | +2.40 pp |
| Q4 2012 | 2012-12-31 | 57.31% | −0.51 pp |
| Q3 2012 | 2012-09-30 | 53.82% | −5.04 pp |
| Q2 2012 | 2012-06-30 | 58.76% | +4.38 pp |
| Q1 2012 | 2012-03-31 | 55.34% | +0.92 pp |
| Q4 2011 | 2011-12-31 | 57.83% | — |
| Q3 2011 | 2011-09-30 | 58.86% | +0.48 pp |
| Q2 2011 | 2011-06-30 | 54.38% | −5.23 pp |
| Q1 2011 | 2011-03-31 | 54.41% | — |
| Q3 2010 | 2010-09-30 | 58.39% | — |
| Q2 2010 | 2010-06-30 | 59.61% | — |
Credit Acceptance operating margin trends
Over the last five fiscal years, Credit Acceptance's operating margin decreased from 32.92% to 24.40%, a change of −8.52 percentage points. The latest reported quarter, Q2 2026, shows 28.70%.
About the metric
What operating margin means
Operating margin measures the percentage of revenue left after operating costs and expenses. It shows how much operating profit a company generates from each dollar of revenue.
Calculation and source
How operating margin is calculated
TickerStat calculates operating margin as SEC-reported operating income divided by SEC-reported revenue for the same fiscal period. Changes are shown in percentage points. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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