Credit Acceptance Corporation (CACC) Earnings History
Annual and quarterly earnings data from 1992 to 2024
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EPS Growth Rates (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 62.4% | 15.2% | 11.6% |
| 2023 | 67.2% | 18.5% | 15.2% |
| 2022 | 73.9% | 38.5% | 29.4% |
| 2021 | 77.2% | 67.8% | 51.8% |
| 2020 | 75.0% | - | 25.3% |
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Credit Acceptance Corporation (CACC) Earnings Overview
As of February 28, 2026, Credit Acceptance Corporation (CACC) reported trailing twelve-month net income of $454M, reflecting -0.1% year-over-year growth. The company earned $39.55 per diluted share over the past four quarters, with a net profit margin of 0.1%.
Looking at the long-term picture, CACC's 5-year EPS compound annual growth rate (CAGR) stands at -10.5%, signaling declining earnings. The company achieved its highest annual net income of $958M in fiscal 2021.
Credit Acceptance Corporation maintains positive profitability with a gross margin of 0.6%, operating margin of 0.2%, and net margin of 0.1%. The company continues to generate positive earnings from operations. View revenue history →
Compared to industry peers including IX ($439.78B net income, 0.1% margin), ALLY ($852M net income, 0.1% margin), MFIN ($45M net income, 0.1% margin), CACC has room to improve margins relative to the peer group. Compare CACC vs IX →
Peer Comparison
Earnings metrics vs industry competitors
Historical Data
33 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $248M | -13.4% | $325M | $19.88 | 11.6% | 15.2% |
| 2023 | $286M | -46.6% | $347M | $21.99 | 15.2% | 18.5% |
| 2022 | $536M | -44.1% | $702M | $39.32 | 29.4% | 38.5% |
| 2021 | $958M | +127.6% | $1.26B | $59.52 | 51.8% | 67.8% |
| 2020 | $421M | -35.8% | $0 | $23.47 | 25.3% | - |
| 2019 | $656M | +14.3% | $848M | $34.57 | 44.3% | 57.3% |
| 2018 | $574M | +22.1% | $749M | $29.39 | 44.8% | 58.5% |
| 2017 | $470M | +41.3% | $581M | $24.04 | 42.5% | 52.5% |
| 2016 | $333M | +11.0% | $527M | $16.31 | 34.5% | 54.6% |
| 2015 | $300M | +12.6% | $473M | $14.28 | 36.4% | 57.4% |
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Start ComparisonFrequently Asked Questions
Is CACC growing earnings?
CACC EPS of $39.55 reflects slowing growth at -0.1%, below the 5-year CAGR of -10.5%. TTM net income is $454M. Expansion rate has moderated.
What are CACC's profit margins?
Credit Acceptance Corporation net margin is +0.1%, with operating margin at +0.2%. Below-average margins reflect competitive or cost pressures.
How consistent are CACC's earnings?
CACC earnings data spans 1992-2024. The current earnings trend is -0.1% YoY. Historical data enables comparison across business cycles.