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Credit AcceptanceSTU:2D5 -0.93%73 EBITDA Margin % is 30.57% as of Mar. 2026, which is 35% below its 10-year median of 46.95. GuruFocus rates STU:2D5 with a GF Score™ of 73/100 and a GF Value™ of €527.44. The stock has 11 warning signs investors should review. Among 415 Credit Services companies, Credit Acceptance ranks better than 61.69% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Credit Acceptance's EBITDA for the
three
months ended in Mar. 2026 was €152 Mil. Credit Acceptance's Revenue for the
three
months ended in Mar. 2026 was €497 Mil. Therefore, Credit Acceptance's EBITDA margin for the quarter that ended in Mar. 2026 was 30.57%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Credit Acceptance EBITDA Margin % Related Terms
Credit Acceptance EBITDA Margin % Historical Data
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The historical data trend for Credit Acceptance's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, Credit Acceptance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's EBITDA Margin % 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 EBITDA Margin % of 30.57% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Credit Acceptance and its competitors. This is 35% below median its historical median of 46.95. Over the past decade, Credit Acceptance's EBITDA Margin % has ranged from 16.53 to 69.27. According to the industry distribution chart, Credit Acceptance ranks #159 out of 415 companies in the Credit Services industry, placing it in the top 38.3%.
Is Credit Acceptance's EBITDA Margin % too high?
Credit Acceptance's current EBITDA Margin % of 30.57% is 35% below median its 10-year median of 46.95. Over the past 10 years, this metric has ranged from a low of 16.53 to a high of 69.27. The Credit Services industry median EBITDA Margin % is 21.04. Credit Acceptance's value of 30.57% is 45.3% above this industry median. Based on the distribution chart, Credit Acceptance ranks #159 out of 415 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 EBITDA Margin % compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #159 out of 415 companies for EBITDA Margin %. This puts Credit Acceptance in the upper half of its industry. The industry median EBITDA Margin % is 21.04. Credit Acceptance's value of 30.57% is 45.3% above this benchmark. Historically, Credit Acceptance's own EBITDA Margin % has ranged from 16.53 to 69.27 over the past decade. While the company's 10-year median is 46.95 vs. the industry median of 21.04, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.04, based on 415 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current EBITDA Margin % of 30.57% is 45.3% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current EBITDA Margin % is 30.57%, which is 35% below median its own 10-year median of 46.95. 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 EBITDA Margin % of 30.57%. 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 EBITDA Margin % is 30.57%, which is 35% below median its 10-year median of 46.95 and 45.3% above the Credit Services industry median of 21.04. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current EBITDA Margin % is 30.57% 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:
EBITDA Margin %: 30.57% (35% below median its 10-year median of 46.95)
GF Value™: €527.44 vs. price of €530.00 (0.5% above fair value)
Industry Position: 45.3% above the Credit Services median (#159 of 415)
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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