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Credit AcceptanceCACC -1.09%73 Equity-to-Asset is 0.18 as of Jun. 2026, which is 31% below its 10-year median of 0.26. GuruFocus rates CACC with a GF Score™ of 73/100 and a GF Value™ of $585.05 (Fairly Valued). The stock has 10 warning signs investors should review. Among 555 Credit Services companies, Credit Acceptance ranks worse than 72.97% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Credit Acceptance's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $1,589 Mil. Credit Acceptance's Total Assets for the quarter that ended in Jun. 2026 was $8,623 Mil.
Therefore, Credit Acceptance's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.18.
The historical rank and industry rank for Credit Acceptance's Equity-to-Asset or its related term are showing as below:
CACC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.17 Med: 0.26 Max: 0.34
Current: 0.18
During the past 13 years, the highest Equity to Asset Ratio of Credit Acceptance was 0.34. The lowest was 0.17. And the median was 0.26.
CACC's Equity-to-Asset is ranked worse than 72.97% of 555
companies
in the Credit Services industry
Industry Median: 0.4
vs CACC: 0.18
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Credit Acceptance Equity-to-Asset Related Terms
Credit Acceptance Equity-to-Asset Historical Data
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The historical data trend for Credit Acceptance's Equity-to-Asset 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.
CACC vs ENVA, KLAR, OMF: Equity-to-Asset Comparison
For the Credit Services subindustry, Credit Acceptance's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Credit Acceptance's Equity to Asset Ratio 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.
Credit Acceptance (CACC) has a Equity-to-Asset of 0.18 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Credit Acceptance and its competitors. This is 31% below median its historical median of 0.26. Over the past decade, Credit Acceptance's Equity-to-Asset has ranged from 0.17 to 0.34. According to the industry distribution chart, Credit Acceptance ranks #405 out of 555 companies in the Credit Services industry, placing it in the top 73%.
Is Credit Acceptance's Equity-to-Asset too high?
Credit Acceptance's current Equity-to-Asset of 0.18 is 31% below median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.34. The Credit Services industry median Equity-to-Asset is 0.40. Credit Acceptance's value of 0.18 is 55% below this industry median. Based on the distribution chart, Credit Acceptance ranks #405 out of 555 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 Equity-to-Asset compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #405 out of 555 companies for Equity-to-Asset. This places Credit Acceptance in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Credit Acceptance's value of 0.18 is 55% below this benchmark. Historically, Credit Acceptance's own Equity-to-Asset has ranged from 0.17 to 0.34 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 555 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current Equity-to-Asset of 0.18 is 55% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current Equity-to-Asset is 0.18, which is 31% below median its own 10-year median of 0.26. 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 $585.05, compared to a current price of $571.69 — trading 2.3% below its estimated fair value. The current Equity-to-Asset is 0.18, which is 31% below median its 10-year median of 0.26 and 55% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Credit Acceptance (CACC), the current Equity-to-Asset is 0.18 as of Jun. 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 undervalued.
The current stock price of $571.69 is trading 2.3% below its estimated GF Value™ of $585.05.
GuruFocus considers Credit Acceptance to be Fairly Valued.
Key valuation signals for CACC:
Equity-to-Asset: 0.18 (31% below median its 10-year median of 0.26)
GF Value™: $585.05 vs. price of $571.69 (2.3% below fair value)
Industry Position: 55% below the Credit Services median (#405 of 555)
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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