• Credit Acceptance average operating margin for 2023 was -2.09%, a 103.26% decline from 2022.
• Credit Acceptance average operating margin for 2022 was 64.14%, a 14.18% decline from 2021.
• Credit Acceptance average operating margin for 2021 was 74.74%, a 55.77% decline from 2020.

Operating margin can be defined as operating margin measurement of what proportion of a company's revenue is left over after paying for variable costs of production such as wages, raw materials, etc.