Credit Acceptance Corp (CACC) stock
CACCNasdaqPersonal Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 4/302% above fair value
$504.63+1.10 (+0.22%)
Close on Nov 13, 2026Market cap $5.12BP/E 16.5Yield –
Credit Acceptance profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Credit Acceptance's profit margin for the twelve months ending Sep 30, 2026 was 14.4%. For fiscal 2025 it was 18.3%, against 11.5% the year before. The highest annual figure on record is 51.6% in fiscal 2021.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 18.3% | +6.8 |
| FY2024 | Dec 31, 2024 | 11.5% | −3.6 |
| FY2023 | Dec 31, 2023 | 15.0% | −14.2 |
| FY2022 | Dec 31, 2022 | 29.2% | −22.4 |
| FY2021 | Dec 31, 2021 | 51.6% | +26.4 |
| FY2020 | Dec 31, 2020 | 25.2% | −18.8 |
| FY2019 | Dec 31, 2019 | 44.1% | −0.6 |
| FY2018 | Dec 31, 2018 | 44.6% | +2.3 |
| FY2017 | Dec 31, 2017 | 42.4% | +8.0 |
| FY2016 | Dec 31, 2016 | 34.3% | −2.0 |
| FY2015 | Dec 31, 2015 | 36.3% | −0.5 |
| FY2014 | Dec 31, 2014 | 36.8% | −0.3 |
| FY2013 | Dec 31, 2013 | 37.1% | +1.0 |
| FY2012 | Dec 31, 2012 | 36.1% | +0.3 |
| FY2011 | Dec 31, 2011 | 35.8% | −2.7 |
| FY2010 | Dec 31, 2010 | 38.5% | +0.1 |
| FY2009 | Dec 31, 2009 | 38.4% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | -9.5% | −28.1 |
| Q2 FY2026 | Jun 30, 2026 | 23.1% | +8.2 |
| Q1 FY2026 | Mar 31, 2026 | 23.4% | +4.8 |
| Q4 FY2025 | Dec 31, 2025 | 21.0% | −5.8 |
| Q3 FY2025 | Sep 30, 2025 | 18.6% | +4.3 |
| Q2 FY2025 | Jun 30, 2025 | 15.0% | +23.7 |
| Q1 FY2025 | Mar 31, 2025 | 18.6% | +6.0 |
| Q4 FY2024 | Dec 31, 2024 | 26.8% | +7.8 |
| Q3 FY2024 | Sep 30, 2024 | 14.3% | −0.5 |
| Q2 FY2024 | Jun 30, 2024 | -8.8% | −13.4 |
| Q1 FY2024 | Mar 31, 2024 | 12.7% | −9.3 |
| Q4 FY2023 | Dec 31, 2023 | 19.0% | −8.7 |
| Q3 FY2023 | Sep 30, 2023 | 14.8% | −4.1 |
| Q2 FY2023 | Jun 30, 2023 | 4.6% | −18.8 |
| Q1 FY2023 | Mar 31, 2023 | 21.9% | −25.1 |
| Q4 FY2022 | Dec 31, 2022 | 27.7% | −19.2 |
| Q3 FY2022 | Sep 30, 2022 | 18.9% | −34.3 |
| Q2 FY2022 | Jun 30, 2022 | 23.5% | −37.7 |
| Q1 FY2022 | Mar 31, 2022 | 47.0% | +2.2 |
| Q4 FY2021 | Dec 31, 2021 | 47.0% | +9.8 |
| Q3 FY2021 | Sep 30, 2021 | 53.2% | −3.6 |
| Q2 FY2021 | Jun 30, 2021 | 61.2% | +37.5 |
| Q1 FY2021 | Mar 31, 2021 | 44.8% | +66.3 |
| Q4 FY2020 | Dec 31, 2020 | 37.2% | −4.8 |
| Q3 FY2020 | Sep 30, 2020 | 56.8% | +13.1 |
| Q2 FY2020 | Jun 30, 2020 | 23.7% | −20.6 |
| Q1 FY2020 | Mar 31, 2020 | -21.5% | −68.0 |
| Q4 FY2019 | Dec 31, 2019 | 42.0% | −2.4 |
| Q3 FY2019 | Sep 30, 2019 | 43.7% | −1.8 |
| Q2 FY2019 | Jun 30, 2019 | 44.4% | −3.5 |
| Q1 FY2019 | Mar 31, 2019 | 46.5% | +5.8 |
| Q4 FY2018 | Dec 31, 2018 | 44.3% | −17.3 |
| Q3 FY2018 | Sep 30, 2018 | 45.5% | +10.0 |
| Q2 FY2018 | Jun 30, 2018 | 47.9% | +12.0 |
| Q1 FY2018 | Mar 31, 2018 | 40.6% | +5.1 |
| Q4 FY2017 | Dec 31, 2017 | 61.6% | +27.5 |
| Q3 FY2017 | Sep 30, 2017 | 35.5% | – |
| Q2 FY2017 | Jun 30, 2017 | 35.9% | – |
| Q1 FY2017 | Mar 31, 2017 | 35.5% | – |
| Q4 FY2016 | Dec 31, 2016 | 34.2% | – |
See a number that looks wrong?