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The historical rank and industry rank for Credit Acceptance's Days Payable or its related term are showing as below:
STU:2D5'
s Days Payable Range Over the Past 10 Years
Min: 144.37 Med: 171.09 Max: 198.18
Current: 164.9
During the past 13 years, Credit Acceptance's highest Days Payable was 198.18. The lowest was 144.37. And the median was 171.09.
STU:2D5's Days Payable is ranked better than 78% of 300
companies
in the Credit Services industry
Industry Median: 33.405
vs STU:2D5: 164.90
Credit Acceptance's Days Payable
increased
from Mar. 2025 (146.20) to Mar. 2026 (173.75).
It may suggest that Credit Acceptancedelayed paying its suppliers.
Credit Acceptance Days Payable Related Terms
Credit Acceptance Days Payable Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's Days Payable 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: Days Payable Comparison
For the Credit Services subindustry, Credit Acceptance's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Days Payable distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Credit Acceptance's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 173.75 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Credit Acceptance and its competitors. This is near median its historical median of 171.09. Over the past decade, Credit Acceptance's Days Payable has ranged from 144.37 to 198.18. According to the industry distribution chart, Credit Acceptance ranks #66 out of 300 companies in the Credit Services industry, placing it in the top 22%.
Is Credit Acceptance's Days Payable too high?
Credit Acceptance's current Days Payable of 173.75 is near median its 10-year median of 171.09. Over the past 10 years, this metric has ranged from a low of 144.37 to a high of 198.18. The Credit Services industry median Days Payable is 33.41. Credit Acceptance's value of 173.75 is 420.1% above this industry median. Based on the distribution chart, Credit Acceptance ranks #66 out of 300 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Days Payable compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #66 out of 300 companies for Days Payable. This places Credit Acceptance in the top 22% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.41. Credit Acceptance's value of 173.75 is 420.1% above this benchmark. Historically, Credit Acceptance's own Days Payable has ranged from 144.37 to 198.18 over the past decade. While the company's 10-year median is 171.09 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 300 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current Days Payable of 173.75 is 420.1% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current Days Payable is 173.75, which is near median its own 10-year median of 171.09. 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 Days Payable of 173.75. 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 Days Payable is 173.75, which is near median its 10-year median of 171.09 and 420.1% above the Credit Services industry median of 33.41. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current Days Payable is 173.75 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:
Days Payable: 173.75 (near median its 10-year median of 171.09)
GF Value™: €527.44 vs. price of €530.00 (0.5% above fair value)
Industry Position: 420.1% above the Credit Services median (#66 of 300)
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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