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Credit AcceptanceFRA:2D5 -2.80%73 EV-to-EBIT is 17.29 as of Aug. 19, 2026, which is 2% above its 10-year median of 16.98. GuruFocus rates FRA:2D5 with a GF Score™ of 73/100 and a GF Value™ of €505.66. The stock has 7 warning signs investors should review. Among 316 Credit Services companies, Credit Acceptance ranks better than 56.01% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Credit Acceptance's Enterprise Value for the quarter that ended in Jun. 2026 was €11,162 Mil.
Credit Acceptance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €610 Mil.
* 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 EV-to-EBIT Related Terms
Credit Acceptance EV-to-EBIT Historical Data
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The historical data trend for Credit Acceptance's EV-to-EBIT 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.
FRA:2D5 vs ENVA, KLAR, SEZL: EV-to-EBIT Comparison
For the Credit Services subindustry, Credit Acceptance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's EV-to-EBIT falls into.
Credit Acceptance's current Enterprise Value is €10,540 Mil.
Credit Acceptance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €610 Mil.
* 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 (FRA:2D5) has a EV-to-EBIT of 17.29 as of Aug. 19, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Credit Acceptance and its competitors. This is near median its historical median of 16.98. Over the past decade, Credit Acceptance's EV-to-EBIT has ranged from 8.98 to 53.59. According to the industry distribution chart, Credit Acceptance ranks #139 out of 316 companies in the Credit Services industry, placing it in the top 44%.
Is Credit Acceptance's EV-to-EBIT too high?
Credit Acceptance's current EV-to-EBIT of 17.29 is near median its 10-year median of 16.98. Over the past 10 years, this metric has ranged from a low of 8.98 to a high of 53.59. The Credit Services industry median EV-to-EBIT is 22.43. Credit Acceptance's value of 17.29 is 22.9% below this industry median. Based on the distribution chart, Credit Acceptance ranks #139 out of 316 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 EV-to-EBIT compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #139 out of 316 companies for EV-to-EBIT. This puts Credit Acceptance in the upper half of its industry. The industry median EV-to-EBIT is 22.43. Credit Acceptance's value of 17.29 is 22.9% below this benchmark. Historically, Credit Acceptance's own EV-to-EBIT has ranged from 8.98 to 53.59 over the past decade. While the company's 10-year median is 16.98 vs. the industry median of 22.43, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.43, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current EV-to-EBIT of 17.29 is 22.9% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.43 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current EV-to-EBIT is 17.29, which is near median its own 10-year median of 16.98. 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 (FRA:2D5) has a current EV-to-EBIT of 17.29. The stock's GF Value™ is €505.66, compared to a current price of €486.00 — trading 3.9% below its estimated fair value. The current EV-to-EBIT is 17.29, which is near median its 10-year median of 16.98 and 22.9% below the Credit Services industry median of 22.43. Credit Acceptance's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current EV-to-EBIT is 17.29 as of Aug. 19, 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 (FRA:2D5) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be undervalued.
The current stock price of €486.00 is trading 3.9% below its estimated GF Value™ of €505.66.
Key valuation signals for FRA:2D5:
EV-to-EBIT: 17.29 (near median its 10-year median of 16.98)
GF Value™: €505.66 vs. price of €486.00 (3.9% below fair value)
Industry Position: 22.9% below the Credit Services median (#139 of 316)
No single metric tells the full story. See the FRA: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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