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The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Credit Acceptance's current ratio for the quarter that ended in Mar. 2026 was 20.57.
Credit Acceptance has a current ratio of 20.57. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Credit Acceptance's Current Ratio or its related term are showing as below:
STU:2D5'
s Current Ratio Range Over the Past 10 Years
Min: 17.5 Med: 28.11 Max: 41.68
Current: 20.57
During the past 13 years, Credit Acceptance's highest Current Ratio was 41.68. The lowest was 17.50. And the median was 28.11.
STU:2D5's Current Ratio is ranked better than 64.9% of 396
companies
in the Credit Services industry
Industry Median: 4.795
vs STU:2D5: 20.57
Credit Acceptance (STU:2D5) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Credit Acceptance Current Ratio Related Terms
Credit Acceptance Current Ratio Historical Data
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The historical data trend for Credit Acceptance's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:2D5 vs OMF, ENVA, SEZL: Current Ratio Comparison
For the Credit Services subindustry, Credit Acceptance's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Acceptance Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Current Ratio distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Credit Acceptance (STU:2D5) has a Current Ratio of 20.57 as of Mar. 2026. This is 27% below median its historical median of 28.11. Over the past decade, Credit Acceptance's Current Ratio has ranged from 17.50 to 41.68. According to the industry distribution chart, Credit Acceptance ranks #139 out of 396 companies in the Credit Services industry, placing it in the top 35.1%.
Is Credit Acceptance's Current Ratio too high?
Credit Acceptance's current Current Ratio of 20.57 is 27% below median its 10-year median of 28.11. Over the past 10 years, this metric has ranged from a low of 17.50 to a high of 41.68. The Credit Services industry median Current Ratio is 4.80. Credit Acceptance's value of 20.57 is 329% above this industry median. Based on the distribution chart, Credit Acceptance ranks #139 out of 396 companies in the Credit Services industry, which is above the industry midpoint. Overall, Credit Acceptance has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Credit Acceptance's Current Ratio compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #139 out of 396 companies for Current Ratio. This puts Credit Acceptance in the upper half of its industry. The industry median Current Ratio is 4.80. Credit Acceptance's value of 20.57 is 329% above this benchmark. Historically, Credit Acceptance's own Current Ratio has ranged from 17.50 to 41.68 over the past decade. While the company's 10-year median is 28.11 vs. the industry median of 4.80, Credit Acceptance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.80, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current Current Ratio of 20.57 is 329% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current Current Ratio is 20.57, which is 27% below median its own 10-year median of 28.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Acceptance stock overvalued right now?
Credit Acceptance (STU:2D5) has a current Current Ratio of 20.57. The stock's GF Value™ is €527.44, compared to a current price of €530.00 — trading 0.5% above its estimated fair value. The current Current Ratio is 20.57, which is 27% below median its 10-year median of 28.11 and 329% above the Credit Services industry median of 4.80. Credit Acceptance's overall GF Score™ is 73/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current Current Ratio is 20.57 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Acceptance (STU:2D5) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be overvalued.
The current stock price of €530.00 is trading 0.5% above its estimated GF Value™ of €527.44.
Key valuation signals for STU:2D5:
Current Ratio: 20.57 (27% below median its 10-year median of 28.11)
GF Value™: €527.44 vs. price of €530.00 (0.5% above fair value)
Industry Position: 329% above the Credit Services median (#139 of 396)
No single metric tells the full story. See the STU:2D5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Acceptance Corp is a consumer finance company that specializes in automobile loans. These loans are offered through a U.S. nationwide network of automobile dealers that benefit from sales of vehicles to consumers who could otherwise not obtain financing. The company also benefits from repeat and referral sales, and from sales to customers responding to advertisements for financing, but qualify for traditional financing. The company derives its revenue from finance charges, premiums earned on the reinsurance of vehicle service contracts, and other fees. Of these, financing charges, including servicing fees, are by far a source of revenue.
73GF Score
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