SuperworthCredit Acceptance profit margin CACC
Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.
- Net margin, 12 months
- 21.5%
- Operating margin, 12 months
- 47.0%
- Net margin on a year earlier
- +2.9 pts
- Peer median
- 16.1%
Over the twelve months to Jun 30, 2026, Credit Acceptance kept 21.5% of its revenue as net profit, with an operating margin of 47.0%.
Five years earlier its net margin was 50.0%.
The median for 10 credit services stocks of a similar size is 16.1%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin |
|---|---|---|
| FY2025 | 18.3% | 44.4% |
| FY2024 | 11.5% | n/a |
| FY2023 | 15.0% | n/a |
| FY2022 | 29.2% | n/a |
| FY2021 | 51.6% | n/a |
| FY2020 | 25.2% | n/a |
| FY2019 | 44.1% | n/a |
| FY2018 | 44.6% | n/a |
| FY2017 | 42.4% | n/a |
| FY2016 | 34.3% | n/a |
| FY2015 | 36.3% | n/a |
| FY2014 | 36.8% | n/a |
| FY2013 | 37.1% | n/a |
| FY2012 | 36.1% | n/a |
| FY2011 | 35.8% | n/a |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q2 FY26 | 21.5% | +2.9 pts | 47.0% | |
| Q1 FY26 | 19.5% | +6.5 pts | 45.4% | |
| Q4 FY25 | 18.3% | +6.8 pts | 44.4% | |
| Q3 FY25 | 19.7% | +10.6 pts | 45.1% | |
| Q2 FY25 | 18.7% | +9.7 pts | 43.6% | |
| Q1 FY25 | 13.0% | +0.2 pts | n/a | |
| Q4 FY24 | 11.5% | −3.6 pts | n/a | |
| Q3 FY24 | 9.1% | −8.0 pts | n/a | |
| Q2 FY24 | 9.0% | −9.1 pts | n/a | |
| Q1 FY24 | 12.8% | −10.2 pts | n/a | |
| Q4 FY23 | 15.0% | −14.2 pts | n/a | |
| Q3 FY23 | 17.1% | −17.0 pts | n/a |
Against its peers
Companies in Financial - Credit Services nearest Credit Acceptance's size, closest first, today.
| Company | Profit margin |
|---|---|
| CACCCredit Acceptance | 21.5% |
| AMTMAmentum | 1.4% |
| RELYRemitly Global | 16.9% |
| FIGRFigure Technology Solutions | 33.5% |
| OMFOneMain | 15.4% |
| EXLSExlService | 11.2% |
| WEXWEX | 12.6% |
| DAVEDave | 34.6% |
| SEZLSezzle | 30.4% |
| NNINelnet | 25.8% |
| PAYPaymentus | 6.2% |
| Peer median | 16.1% |
Where Credit Acceptance ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Credit Acceptance
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.