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Credit AcceptanceCACC -0.65%72 3-Year EBITDA Growth Rate is 1.30% as of Jun. 2026, which is 93% below its 10-year median of 18.80. GuruFocus rates CACC with a GF Score™ of 72/100 and a GF Value™ of $589.63 (Fairly Valued). The stock has 10 warning signs investors should review. Among 333 Credit Services companies, Credit Acceptance ranks worse than 66.67% on this metric.
During the past 12 months, Credit Acceptance's average EBITDA Per Share Growth Rate was 46.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 1.30% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was -2.80% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 5.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Credit Acceptance was 55.70% per year. The lowest was -40.30% per year. And the median was 18.80% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Credit Acceptance 3-Year EBITDA Growth Rate Related Terms
CACC vs ENVA, KLAR, OMF: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Credit Acceptance's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 1.30% mean?
Credit Acceptance (CACC) has a 3-Year EBITDA Growth Rate of 1.30% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Credit Acceptance and its competitors. This is 93% below median its historical median of 18.80. According to the industry distribution chart, Credit Acceptance ranks #222 out of 333 companies in the Credit Services industry, placing it in the top 66.7%.
Is Credit Acceptance's 3-Year EBITDA Growth Rate too high?
Credit Acceptance's current 3-Year EBITDA Growth Rate of 1.30% is 93% below median its 10-year median of 18.80. The Credit Services industry median 3-Year EBITDA Growth Rate is 11.80. Credit Acceptance's value of 1.30% is 89% below this industry median. Based on the distribution chart, Credit Acceptance ranks #222 out of 333 companies in the Credit Services industry, which is below the industry midpoint. Overall, Credit Acceptance has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Acceptance's 3-Year EBITDA Growth Rate compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #222 out of 333 companies for 3-Year EBITDA Growth Rate. This places Credit Acceptance in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 11.80. Credit Acceptance's value of 1.30% is 89% below this benchmark. While the company's 10-year median is 18.80 vs. the industry median of 11.80, Credit Acceptance has consistently been below 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 11.80, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current 3-Year EBITDA Growth Rate of 1.30% is 89% below 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Credit Acceptance and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 11.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current 3-Year EBITDA Growth Rate is 1.30%, which is 93% below median its own 10-year median of 18.80. 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?
Based on GuruFocus' analysis, Credit Acceptance (CACC) is currently considered Fairly Valued. The stock's GF Value™ is $589.63, compared to a current price of $601.43 — trading 2% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 1.30%, which is 93% below median its 10-year median of 18.80 and 89% below the Credit Services industry median of 11.80. Credit Acceptance's overall GF Score™ is 72/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Credit Acceptance (CACC), the current 3-Year EBITDA Growth Rate is 1.30% as of Jun. 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 (CACC) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be overvalued.
The current stock price of $601.43 is trading 2% above its estimated GF Value™ of $589.63.
GuruFocus considers Credit Acceptance to be Fairly Valued.
Key valuation signals for CACC:
3-Year EBITDA Growth Rate: 1.30% (93% below median its 10-year median of 18.80)
GF Value™: $589.63 vs. price of $601.43 (2% above fair value)
Industry Position: 89% below the Credit Services median (#222 of 333)
No single metric tells the full story. See the CACC 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.
72GF Score
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