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Credit Acceptance CACC EBITDA margin

EBITDA margin at other companies

Enova International logo
Enova InternationalENVA
24.8%+1.0pp
Penske Automotive Group logo
Penske Automotive GroupPAG
4.5%-0.3pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
18.3%+18.1pp
Capital One Financial logo
Capital One FinancialCOF
43.8%-16.2pp
CarMax logo
CarMaxKMX
4%+0.1pp
Ford Motor Company logo
Ford Motor CompanyF
4.7%-1.8pp

Other financials

Income statement

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Revenue$580.0M+1.6%
Net income$135.8M+27.8%
EPS (diluted)$12.40+43.2%

Balance sheet

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Cash & equivalents$551.4M-50.8%
Total equity$1.5B-11.5%
Total assets$8.7B-6.1%

Cash flow

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Operating cash flow$346.8M+0.2%
CapEx$1.3M+333%
Free cash flow$345.5M-0.1%

Valuation

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Market cap$6.06B-26.7%

Profitability

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Net margin19.5%+6.5pp
FCF margin45.3%-7.4pp

Returns & leverage

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Return on equity28.1%+10.9pp
Debt / equity0×—

Where this comes from

Calculated from Credit Acceptance’s reported figures.

ebitda/total revenue=45.5%

Based on trailing twelve months.

The official record: Credit Acceptance’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Credit Acceptance's EBITDA margin?
Credit Acceptance (CACC) reported EBITDA margin of 45.5% in Q1 2026.
How has Credit Acceptance's EBITDA margin changed year-over-year?
Credit Acceptance's EBITDA margin increased by 21.7% year-over-year, from 37.4% to 45.5%.
What is the long-term trend for Credit Acceptance's EBITDA margin?
Over 5 years (2020 to 2025), Credit Acceptance's EBITDA margin has grown at a -0.2% compound annual growth rate (CAGR), from 44.9% to 44.5%.
What does EBITDA margin mean?
EBITDA (earnings before interest, taxes, depreciation, and amortization) as a percentage of revenue, trailing twelve months. A proxy for cash operating profitability that strips out capital-structure and non-cash charges.