Company / Profit Margin
CREDIT ACCEPTANCE CORP Profit Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Profit Margin
18.3%
FY2025
5-year range
11.5% / 51.6%
FY2021-FY2025
Trend
+59.6%
vs FY2024
Sector context
#127 of 280
Financials
What the data says
At 18.3%, CREDIT ACCEPTANCE CORP's profit margin ranks #127 of 280 in the Financials sector. Profit Margin returned to growth in FY2025 after 3 years of decline, reaching 18.3%.
Based on SEC 10-K filings.
18.3% in FY2025 with a 5-year CAGR of -6.9%.
Improved from 15.0% to 18.3% over the past 2 years.
Financials sector context is included.
Profit Margin over time
Growth rates
- 3-Year Change
- -10.9pp
- 5-Year Change
- -6.9pp
- 10-Year Change
- -
Sector benchmark
#127 of 280 in FinancialsTop 45% of 280This company 18.3% Sector average 69.8%
▼
-73.8% below sector average
Key checks
Key Insights
- In FY2025, profit margin increased 59.6% year-over-year.
- Currently 51.5pp below the Financials sector average.
- Peak profit margin was recorded in FY2021.
- Lowest profit margin in the period was in FY2024.
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 | Profit MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 18.3% | +59.6% |
| FY2024 | 11.5% | -23.8% |
| FY2023 | 15.0% | -48.6% |
| FY2022 | 29.2% | -43.4% |
| FY2021 | 51.6% | +104.7% |
| FY2020 | 25.2% | -42.8% |
| FY2019 | 44.1% | -1.3% |
| FY2018 | 44.6% | +5.4% |
| FY2017 | 42.4% | +23.4% |
| FY2016 | 34.3% | -5.4% |
As of FY2025 · SEC 10-K · Updated Jul 2, 2026