Credit Acceptance vs Open Lending: revenue, profit, margins and growth compared
Credit Acceptance brought in $2.3B of revenue in fiscal 2025, Open Lending $93.2M in fiscal 2025. Revenue changed by +7.2% at Credit Acceptance and +288.0% at Open Lending on the year before, so Open Lending grew faster. Credit Acceptance kept 18.3% of its revenue as net profit, Open Lending -4.5%. Free cash flow was $1.1B at Credit Acceptance and -$3.3M at Open Lending.
Fiscal years as each company reports them; the two may end in different months.
Questions about Credit Acceptance and Open Lending
Which is bigger by revenue, Credit Acceptance or Open Lending?
Credit Acceptance is bigger by revenue: $2.3B in fiscal 2025, against $93.2M for Open Lending in fiscal 2025.
Which keeps more of its revenue as profit, Credit Acceptance or Open Lending?
Credit Acceptance had a net margin of 18.3% in fiscal 2025; Open Lending had -4.5% in fiscal 2025.
Which grew revenue faster, Credit Acceptance or Open Lending?
In their latest fiscal years revenue changed by +7.2% at Credit Acceptance and +288.0% at Open Lending.
Where do these numbers come from?
From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.