Credit Acceptance Corp (CACC) FinancialsCACCCredit Acceptance Corp

Credit Acceptance Corp (CACC) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is CAC United States, accounting for 100.0% of total sales, equivalent to $111.66M. Another important revenue stream is All Other. Understanding this composition is critical for investors evaluating how CACC navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Credit Acceptance Corp maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 46.99%, while the net margin is 23.14%. These profitability ratios, combined with a Return on Equity (ROE) of 31.93%, provide a clear picture of how effectively CACC converts its operational activities into shareholder value.

In the context of the broader market, CACC competes directly with industry leaders such as QFIN and FIGR. With a market capitalization of $5.68B, it holds a significant position in the sector. When comparing efficiency, CACC's gross margin of N/A stands against QFIN's 79.85% and FIGR's N/A. Such benchmarking helps identify whether Credit Acceptance Corp is trading at a premium or discount relative to its financial performance.

CACC reported a net income of $135.9 million for Q2 2026, translating to an EPS of $12.66, reflecting a solid performance. The company has a net margin of 23.14% and a return on equity (ROE) of 31.93%, indicating strong profitability.