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Credit Acceptance CACC Net margin

Net margin at other companies

Ally FinancialALLY

16.5%+12.6pp

CarvanaCVNA

6.4%+3.7pp

Enova InternationalENVA

10%+1.6pp

Asbury Automotive GroupABG

3%+0.6pp

Penske Automotive GroupPAG

2.9%-0.2pp

Affirm Holdings, Inc.AFRM

9.6%+8.2pp

Other financials

Income statement

Revenue$580.0M+1.6%

Net income$135.8M+27.8%

EPS (diluted)$12.40+43.2%

Balance sheet

Cash & equivalents$551.4M-50.8%

Total equity$1.5B-11.5%

Total assets$8.7B-6.1%

Cash flow

Operating cash flow$346.8M+0.2%

CapEx$1.3M+333%

Free cash flow$345.5M-0.1%

Valuation

Market cap$6.06B-26.7%

Profitability

FCF margin45.3%-7.4pp

Returns & leverage

Return on equity28.1%+10.9pp

Debt / equity0×—

Where this comes from

Calculated from Credit Acceptance’s reported figures.

net income/total revenue=19.5%

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 net margin?: Credit Acceptance (CACC) reported net margin of 19.5% in Q1 2026.
How has Credit Acceptance's net margin changed year-over-year?: Credit Acceptance's net margin increased by 49.6% year-over-year, from 13% to 19.5%.
What is the long-term trend for Credit Acceptance's net margin?: Over 5 years (2020 to 2025), Credit Acceptance's net margin has grown at a -6.2% compound annual growth rate (CAGR), from 25.2% to 18.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.