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Credit Acceptance's earnings per share without non-recurring items for the
three
months ended in Mar. 2026 was €10.73.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was €34.89.
During the past 12 months, Credit Acceptance's average earnings per share (NRI) Growth Rate was 76.00% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was -7.50% per year.
During the past 5 years, the average earnings per share (NRI) Growth Rate was -1.90% per year.
During the past 10 years, the average earnings per share (NRI) Growth Rate was 11.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for Credit Acceptance's EPS without NRI or its related term are showing as below:
FRA:2D5'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -60.6 Med: 21.8 Max: 160.4
Current: -7.5
During the past 13 years, Credit Acceptance's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 160.40% per year. The lowest was -60.60% per year. And the median was 21.80% per year.
FRA:2D5's 3-Year EPS without NRI Growth Rate is ranked worse than 74.42% of 430
companies
in the Credit Services industry
Industry Median: 11.4
vs FRA:2D5: -7.50
Credit Acceptance's EPS (Basic) for the
three
months ended in Mar. 2026 was €10.93.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was €35.22.
Credit Acceptance (FRA:2D5) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Credit Acceptance EPS without NRI Related Terms
Credit Acceptance EPS without NRI Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's EPS without NRI 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 OMF, ENVA, SEZL: EPS without NRI Comparison
For the Credit Services subindustry, Credit Acceptance's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's PE Ratio without NRI falls into.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI 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 €34.89
* 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 EPS without NRI of €34.89 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Credit Acceptance and its competitors. According to the industry distribution chart, Credit Acceptance ranks #320 out of 430 companies in the Credit Services industry, placing it in the top 74.4%.
Is Credit Acceptance's EPS without NRI too high?
Credit Acceptance's current EPS without NRI is €34.89. Based on the distribution chart, Credit Acceptance ranks #320 out of 430 companies in the Credit Services industry, which is below 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 EPS without NRI compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #320 out of 430 companies for EPS without NRI. This places Credit Acceptance in the lower half of its industry. The industry median EPS without NRI is 11.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Credit Services company?
The median EPS without NRI among Credit Services companies is 11.40, based on 430 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median EPS without NRI is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current EPS without NRI is €34.89. 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 EPS without NRI of €34.89. The stock's GF Value™ is €523.89, compared to a current price of €530.00 — trading 1.2% above its estimated fair value. The current EPS without NRI is €34.89. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current EPS without NRI is €34.89 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 (FRA:2D5) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Acceptance stock appears to be overvalued.
The current stock price of €530.00 is trading 1.2% above its estimated GF Value™ of €523.89.
Key valuation signals for FRA:2D5:
EPS without NRI: €34.89
GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
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
Get the complete analysis for FRA:2D5
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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