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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Credit Acceptance's Enterprise Value is R$58,243 Mil.
Credit Acceptance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was R$3,535 Mil. Therefore, Credit Acceptance's EV-to-EBIT ratio for today is 16.48.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, Credit Acceptance's Enterprise Value is R$58,243 Mil.
Credit Acceptance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was R$3,673 Mil. Therefore, Credit Acceptance's EV-to-EBITDA ratio for today is 15.86.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Credit Acceptance's Enterprise Value is R$58,243 Mil.
Credit Acceptance's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was R$12,419 Mil. Therefore, Credit Acceptance's EV-to-Revenue ratio for today is 4.69.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Credit Acceptance (BSP:CRDA34) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Credit Acceptance's current Enterprise Value is R$58,243 Mil.
Credit Acceptance's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$3,535 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Credit Acceptance's current Enterprise Value is R$58,243 Mil.
Credit Acceptance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$3,673 Mil.
Credit Acceptance's current Enterprise Value is R$58,243 Mil.
Credit Acceptance's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$12,419 Mil.
Credit Acceptance's current Enterprise Value is R$58,243 Mil.
Credit Acceptance's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$5,663 Mil.
Credit Acceptance's current Enterprise Value is R$58,243 Mil.
Credit Acceptance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$5,649 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 Enterprise Value Related Terms
Credit Acceptance Enterprise Value Historical Data
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The historical data trend for Credit Acceptance's Enterprise Value 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.
BSP:CRDA34 vs ENVA, KLAR, SEZL: Enterprise Value Comparison
For the Credit Services subindustry, Credit Acceptance's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Credit Acceptance's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Enterprise Value of R$58,243 Mil mean?
Credit Acceptance (BSP:CRDA34) has a Enterprise Value of R$58,243 Mil as of Aug. 04, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Credit Acceptance and its competitors.
Is Credit Acceptance's Enterprise Value too high?
Credit Acceptance's current Enterprise Value is R$58,243 Mil. 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 Enterprise Value compare to ENVA and KLAR?
Credit Acceptance's Enterprise Value of R$58,243 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Credit Acceptance and its competitors. Credit Acceptance's current Enterprise Value is R$58,243 Mil. 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 (BSP:CRDA34) has a current Enterprise Value of R$58,243 Mil. The stock's GF Value™ is R$261.91, compared to a current price of R$245.34 — trading 6.3% below its estimated fair value. The current Enterprise Value is R$58,243 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Credit Acceptance (BSP:CRDA34), the current Enterprise Value is R$58,243 Mil as of Aug. 04, 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 (BSP:CRDA34) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be undervalued.
The current stock price of R$245.34 is trading 6.3% below its estimated GF Value™ of R$261.91.
Key valuation signals for BSP:CRDA34:
Enterprise Value: R$58,243 Mil
GF Value™: R$261.91 vs. price of R$245.34 (6.3% below fair value)
No single metric tells the full story. See the BSP:CRDA34 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
Get the complete analysis for BSP:CRDA34
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