Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 43.42% is 30% above its 5-year average of 33.38%, around the middle of its 5-year range (-7.25%–80.48%).
12.75% above its 12-month average of 38.51%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 46.99%.
OPERATING MARGIN
43.42%
OPERATING MARGIN AVG TTM
38.51%
OPERATING MARGIN AVG 3Y
23.41%
OPERATING MARGIN AVG 5Y
33.38%
OPERATING MARGIN AVG 10Y
44.05%
OPERATING MARGIN AVG 15Y
45.48%
OPERATING MARGIN AVG 20Y
34.08%
CURRENT VS TTM AVG
+12.75%
CURRENT VS 3Y AVG
+85.51%
CURRENT VS 5Y AVG
+30.08%
CURRENT VS 10Y AVG
-1.44%
CURRENT VS 15Y AVG
-4.53%
CURRENT VS 20Y AVG
+27.42%
SECTOR MEDIAN · FINANCIAL SERVICES
18.07%
median of 363 covered companies
CURRENT VS SECTOR MEDIAN
+140.29%
vs the sector median at left
Credit Acceptance Corporation
Market Cap
$5.56B
Operating Margin
43.42%
TTM Avg
38.51%
3Y Avg
23.41%
5Y Avg
33.38%
Market Cap
$5.77B
Operating Margin
40.51%
TTM Avg
41.32%
3Y Avg
42.64%
5Y Avg
45.51%
Market Cap
$5.11B
Operating Margin
80.71%
TTM Avg
77.53%
3Y Avg
73.88%
5Y Avg
64.77%
Market Cap
$5.10B
Operating Margin
38.37%
TTM Avg
19.83%
3Y Avg
3.34%
5Y Avg
3.34%
Market Cap
$5.03B
Operating Margin
29.52%
TTM Avg
30.66%
3Y Avg
32.85%
5Y Avg
36.53%
Market Cap
$4.91B
Operating Margin
9.41%
TTM Avg
11.98%
3Y Avg
9.09%
5Y Avg
12.69%
Market Cap
$4.80B
Operating Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Credit Acceptance Corporation (CACC) | $5.56B | 43.42% | 38.51% | 23.41% | 33.38% |
| MarketAxess Holdings Inc. (MKTX)vs › | $5.77B | 40.51% | 41.32% | 42.64% | 45.51% |
| BGC Group, Inc (BGC)vs › | $5.78B | 11.93% | 9.46% | 9.33% | 7.71% |
| RLI Corp. (RLI)vs › | $5.15B | 28.42% | 25.84% | 29.77% | 27.90% |
| Main Street Capital Corporation (MAIN)vs › | $5.11B | 80.71% | 77.53% | 73.88% | 64.77% |
| Figure Technology Solutions, Inc. Class A Common Stock (FIGR)vs › | $5.10B | 38.37% | 19.83% | 3.34% | 3.34% |
| Axos Financial, Inc. (AX)vs › | $5.03B | 29.52% | 30.66% | 32.85% | 36.53% |
| Eastern Bankshares, Inc. (EBC)vs › | $4.91B | 9.41% | 11.98% | 9.09% | 12.69% |
| JPMorgan U.S. Tech Leaders ETF (JTEK)vs › | $4.80B | N/A | N/A | N/A | N/A |
| Enact Holdings Inc. (ACT)vs › | $6.40B | 69.17% | 71.42% | 74.68% | 67.24% |
Operating Margin
43.4%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 46.99% |
| 2026-03-31 | 48.86% |
| 2025-12-31 | 52.87% |
| 2025-09-30 | 24.79% |
| 2025-06-30 | 19.04% |
| 2025-03-31 | 23.85% |
| 2024-12-31 | 32.94% |
| 2024-09-30 | 18.36% |
| 2024-06-30 | -7.25% |
| 2024-03-31 | 15.97% |
| 2023-12-31 | 23.07% |
| 2023-09-30 | 0.00% |
| 2023-06-30 | 4.78% |
| 2023-03-31 | 27.17% |
| 2022-12-31 | 37.64% |
| 2022-09-30 | 26.12% |
| 2022-06-30 | 30.82% |
| 2022-03-31 | 62.41% |
| 2021-12-31 | 61.41% |
| 2021-09-30 | 70.64% |
| 2021-06-30 | 80.48% |
| 2021-03-31 | 58.56% |
| 2020-12-31 | 48.20% |
| 2020-09-30 | 74.62% |
| 2020-06-30 | 31.34% |
| 2020-03-31 | -27.71% |
| 2019-12-31 | 55.98% |
| 2019-09-30 | 57.62% |
| 2019-06-30 | 57.81% |
| 2019-03-31 | 57.98% |
| 2018-12-31 | 58.42% |
| 2018-09-30 | 59.53% |
| 2018-06-30 | 62.61% |
| 2018-03-31 | 53.24% |
| 2017-12-31 | 49.59% |
| 2017-09-30 | 56.29% |
| 2017-06-30 | 56.84% |
| 2017-03-31 | 54.80% |
| 2016-12-31 | 60.61% |
| 2016-09-30 | 53.07% |
| 2016-06-30 | 54.09% |
| 2016-03-31 | 48.74% |
| 2015-12-31 | 63.33% |
| 2015-09-30 | 53.43% |
| 2015-06-30 | 55.55% |
| 2015-03-31 | 55.55% |
| 2014-12-31 | 67.88% |
| 2014-09-30 | 61.10% |
| 2014-06-30 | 58.83% |
| 2014-03-31 | 54.76% |
| 2013-12-31 | 64.53% |
| 2013-09-30 | 56.43% |
| 2013-06-30 | 55.11% |
| 2013-03-31 | 55.07% |
| 2012-12-31 | 27.38% |
| 2012-09-30 | 51.97% |
| 2012-06-30 | 57.12% |
| 2012-03-31 | 53.54% |
| 2011-12-31 | 26.34% |
| 2011-09-30 | 0.00% |
| 2011-06-30 | 0.00% |
| 2011-03-31 | 0.00% |
| 2010-12-31 | 27.75% |
| 2010-09-30 | 0.00% |
| 2010-06-30 | 0.00% |
| 2010-03-31 | 0.00% |
| 2009-12-31 | 38.99% |
| 2009-09-30 | 0.00% |
| 2009-06-30 | 0.00% |
| 2009-03-31 | 0.00% |
| 2008-12-31 | -7.57% |
| 2008-09-30 | 0.00% |
| 2008-06-30 | 0.00% |
| 2008-03-31 | 0.00% |
| 2007-12-31 | 0.00% |
| 2007-09-30 | 0.00% |
| 2007-06-30 | 0.00% |
| 2007-03-31 | 0.00% |
| 2006-12-31 | 0.00% |
| 2006-09-30 | 0.00% |
| 2006-06-30 | 0.00% |
| 2006-03-31 | 0.00% |
| 2005-12-31 | 0.00% |
| 2005-09-30 | 0.00% |
| 2005-06-30 | 0.00% |
| 2005-03-31 | 0.00% |
| 2004-12-31 | 0.00% |
| 2004-09-30 | 0.00% |
| 2004-06-30 | 0.00% |
| 2004-03-31 | 0.00% |
| 2003-12-31 | 0.00% |
| 2003-09-30 | 0.00% |
| 2003-06-30 | 0.00% |
| 2003-03-31 | 0.00% |
| 2002-12-31 | 0.00% |
| 2002-09-30 | 0.00% |
