Credit Acceptance (BSP:CRDA34) Debt-to-EBITDA : (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:CRDA34 Credit Acceptance Corp BSP:CRDA34
73 GF Score
Price R$245.34
GF Value R$239.97
! 10 Warning Signs
View Full Analysis

What is Credit Acceptance Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Credit Acceptance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was R$6,999 Mil. Credit Acceptance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was R$25,538 Mil. Credit Acceptance's annualized EBITDA for the quarter that ended in Jun. 2026 was R$5,702 Mil. Credit Acceptance's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 5.71.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Credit Acceptance's Debt-to-EBITDA or its related term are showing as below:

BSP:CRDA34' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.6   Med: 5.76   Max: 18
Current: 8.57

During the past 13 years, the highest Debt-to-EBITDA Ratio of Credit Acceptance was 18.00. The lowest was 3.60. And the median was 5.76.

BSP:CRDA34's Debt-to-EBITDA is ranked worse than
51.57% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs BSP:CRDA34: 8.57

Credit Acceptance  (BSP:CRDA34) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Credit Acceptance Debt-to-EBITDA Related Terms

Credit Acceptance Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Credit Acceptance's Debt-to-EBITDA 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.

Credit Acceptance Debt-to-EBITDA Chart

Credit Acceptance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - -

Credit Acceptance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

BSP:CRDA34 vs ENVA, KLAR, OMF: Debt-to-EBITDA Comparison

For the Credit Services subindustry, Credit Acceptance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Credit Acceptance's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Credit Acceptance's Debt-to-EBITDA falls into.


BSP:CRDA34
73GF Score
Credit Acceptance Corp BSP:CRDA34
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Acceptance Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Credit Acceptance's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(11965.034813229 + 22864.258190152) / 5906.8620486998
=5.90

Credit Acceptance's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(6998.9201807089 + 25538.139455419) / 5702.0866189596
=5.71

* 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.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is Credit Acceptance (BSP:CRDA34) Overvalued in 2026?

Based on GuruFocus' analysis, Credit Acceptance stock appears to be overvalued. The current stock price of R$245.34 is trading 2.2% above its estimated GF Value™ of R$239.97.

Key valuation signals for BSP:CRDA34:

  • Debt-to-EBITDA:
  • GF Value™: R$239.97 vs. price of R$245.34 (2.2% above fair value)
  • GF Score™: 73/100 with 10 warning signs

No single metric tells the full story. See the BSP:CRDA34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Credit Acceptance Business Description

Other Exchanges CACC:USA2D5:Germany
Address 25505 West Twelve Mile Road, Southfield, MI, USA, 48034-8339
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

Get the complete analysis for BSP:CRDA34

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$245.34
Price
R$239.97
GF Value