Company / FCF Margin
CREDIT ACCEPTANCE CORP FCF Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
45.4%
FY2025
5-year range
45.4% / 67.4%
FY2021-FY2025
Trend
-13.5%
vs FY2024
Sector context
#51 of 206
Financials
What the data says
CREDIT ACCEPTANCE CORP's fcf margin of 45.4% is higher than 75% of companies in the Financials sector (FY2025). FCF Margin has declined for 3 consecutive years, from 67.4% in FY2022 to 45.4% in FY2025.
Based on SEC 10-K filings.
45.4% in FY2025 with a 5-year CAGR of -13.1%. Top quartile in the Financials sector.
Declined from 63.1% to 45.4% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- -22.0pp
- 5-Year Change
- -13.1pp
- 10-Year Change
- -
Sector benchmark
Top 25% in FinancialsTop 25% of 206This company 45.4% Sector average 207.7%
▼
-78.1% below sector average
Key checks
Key Insights
- CREDIT ACCEPTANCE CORP's fcf margin has declined for 3 consecutive years.
- In FY2025, fcf margin decreased 13.5% year-over-year.
- Currently 162.3pp below the Financials sector average.
- Peak fcf margin was recorded in FY2022.
Company context
Key Data Points
- Altman Z-Score 0.47 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 45.4% | -13.5% |
| FY2024 | 52.5% | -16.7% |
| FY2023 | 63.1% | -6.5% |
| FY2022 | 67.4% | +17.9% |
| FY2021 | 57.2% | -2.2% |
| FY2020 | 58.5% | +10.9% |
| FY2019 | 52.8% | -0.1% |
| FY2018 | 52.8% | +5.1% |
| FY2017 | 50.2% | -3.0% |
| FY2016 | 51.8% | +6.7% |
As of FY2025 · SEC 10-K · Updated Jul 2, 2026