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Credit AcceptanceCACC -0.93%73 EV-to-OCF is 10.17 as of Sep. 01, 2026, which is 12% below its 10-year median of 11.53. GuruFocus rates CACC with a GF Score™ of 73/100 and a GF Value™ of $591.74 (Fairly Valued). The stock has 10 warning signs investors should review. Among 543 Credit Services companies, Credit Acceptance ranks worse than 70.72% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Credit Acceptance's Enterprise Value is $12,453 Mil.
Credit Acceptance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $1,225 Mil. Therefore, Credit Acceptance's EV-to-OCF for today is 10.17.
The historical rank and industry rank for Credit Acceptance's EV-to-OCF or its related term are showing as below:
CACC'
s EV-to-OCF Range Over the Past 10 Years
Min: 7.95 Med: 11.53 Max: 20.33
Current: 10.17
During the past 13 years, the highest EV-to-OCF of Credit Acceptance was 20.33. The lowest was 7.95. And the median was 11.53.
CACC's EV-to-OCF is ranked worse than 70.72% of 543
companies
in the Credit Services industry
Industry Median: -0.08
vs CACC: 10.17
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $594.18.
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 $45.480.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Acceptance EV-to-OCF Related Terms
Credit Acceptance EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's EV-to-OCF 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.
For the Credit Services subindustry, Credit Acceptance's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's EV-to-OCF falls into.
Credit Acceptance's current Enterprise Value is $12,453 Mil.
Credit Acceptance's Cash Flow from Operations 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 $1,225 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 (CACC) has a EV-to-OCF of 10.17 as of Sep. 01, 2026. This is 12% below median its historical median of 11.53. Over the past decade, Credit Acceptance's EV-to-OCF has ranged from 7.95 to 20.33. According to the industry distribution chart, Credit Acceptance ranks #384 out of 543 companies in the Credit Services industry, placing it in the top 70.7%.
Is Credit Acceptance's EV-to-OCF too high?
Credit Acceptance's current EV-to-OCF of 10.17 is 12% below median its 10-year median of 11.53. Over the past 10 years, this metric has ranged from a low of 7.95 to a high of 20.33. Based on the distribution chart, Credit Acceptance ranks #384 out of 543 companies in the Credit Services industry, which is below the industry midpoint. Overall, Credit Acceptance has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Credit Acceptance's EV-to-OCF compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #384 out of 543 companies for EV-to-OCF. This places Credit Acceptance in the lower half of its industry. Historically, Credit Acceptance's own EV-to-OCF has ranged from 7.95 to 20.33 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Credit Acceptance's current EV-to-OCF is 10.17, which is 12% below median its own 10-year median of 11.53. 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 $591.74, compared to a current price of $594.18 — trading 0.4% above its estimated fair value. The current EV-to-OCF is 10.17, which is 12% below median its 10-year median of 11.53. Credit Acceptance's overall GF Score™ is 73/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Credit Acceptance (CACC), the current EV-to-OCF is 10.17 as of Sep. 01, 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 $594.18 is trading 0.4% above its estimated GF Value™ of $591.74.
GuruFocus considers Credit Acceptance to be Fairly Valued.
Key valuation signals for CACC:
EV-to-OCF: 10.17 (12% below median its 10-year median of 11.53)
GF Value™: $591.74 vs. price of $594.18 (0.4% above fair value)
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.
73GF Score
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