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Credit AcceptanceFRA:2D5 -0.41%73 EV-to-EBITDA is 16.90 as of Aug. 20, 2026, which is 2% above its 10-year median of 16.54. GuruFocus rates FRA:2D5 with a GF Score™ of 73/100 and a GF Value™ of €492.59. The stock has 7 warning signs investors should review. Among 330 Credit Services companies, Credit Acceptance ranks better than 54.85% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Credit Acceptance's enterprise value is €10,658 Mil.
Credit Acceptance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was €630 Mil. Therefore, Credit Acceptance's EV-to-EBITDA for today is 16.90.
The historical rank and industry rank for Credit Acceptance's EV-to-EBITDA or its related term are showing as below:
FRA:2D5'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.8 Med: 16.54 Max: 48.11
Current: 16.82
During the past 13 years, the highest EV-to-EBITDA of Credit Acceptance was 48.11. The lowest was 8.80. And the median was 16.54.
FRA:2D5's EV-to-EBITDA is ranked better than 54.85% of 330
companies
in the Credit Services industry
Industry Median: 20.905
vs FRA:2D5: 16.82
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Credit Acceptance's PE Ratio (TTM) for today is calculated as:
Credit Acceptance's share price for today is €484.00.
Credit Acceptance's Earnings per Share (Diluted) 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 €39.134.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Credit Acceptance's EV-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.
FRA:2D5 vs ENVA, KLAR, SEZL: EV-to-EBITDA Comparison
For the Credit Services subindustry, Credit Acceptance's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's EV-to-EBITDA falls into.
Credit Acceptance's current Enterprise Value is €10,658 Mil.
Credit Acceptance's EBITDA 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 €630 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-EBITDA of 16.90 as of Aug. 20, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Credit Acceptance. This is near median its historical median of 16.54. Over the past decade, Credit Acceptance's EV-to-EBITDA has ranged from 8.80 to 48.11. According to the industry distribution chart, Credit Acceptance ranks #149 out of 330 companies in the Credit Services industry, placing it in the top 45.2%.
Is Credit Acceptance's EV-to-EBITDA too high?
Credit Acceptance's current EV-to-EBITDA of 16.90 is near median its 10-year median of 16.54. Over the past 10 years, this metric has ranged from a low of 8.80 to a high of 48.11. The Credit Services industry median EV-to-EBITDA is 20.91. Credit Acceptance's value of 16.90 is 19.2% below this industry median. Based on the distribution chart, Credit Acceptance ranks #149 out of 330 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-EBITDA compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #149 out of 330 companies for EV-to-EBITDA. This puts Credit Acceptance in the upper half of its industry. The industry median EV-to-EBITDA is 20.91. Credit Acceptance's value of 16.90 is 19.2% below this benchmark. Historically, Credit Acceptance's own EV-to-EBITDA has ranged from 8.80 to 48.11 over the past decade. While the company's 10-year median is 16.54 vs. the industry median of 20.91, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 20.91, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current EV-to-EBITDA of 16.90 is 19.2% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Credit Acceptance. For the Credit Services industry, the median EV-to-EBITDA is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current EV-to-EBITDA is 16.90, which is near median its own 10-year median of 16.54. 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-EBITDA of 16.90. The stock's GF Value™ is €492.59, compared to a current price of €484.00 — trading 1.7% below its estimated fair value. The current EV-to-EBITDA is 16.90, which is near median its 10-year median of 16.54 and 19.2% below the Credit Services industry median of 20.91. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current EV-to-EBITDA is 16.90 as of Aug. 20, 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 €484.00 is trading 1.7% below its estimated GF Value™ of €492.59.
Key valuation signals for FRA:2D5:
EV-to-EBITDA: 16.90 (near median its 10-year median of 16.54)
GF Value™: €492.59 vs. price of €484.00 (1.7% below fair value)
Industry Position: 19.2% below the Credit Services median (#149 of 330)
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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