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Credit AcceptanceSTU:2D5 -0.93%73 FCF Margin % is 60.11% as of Mar. 2026, which is 13% above its 10-year median of 53.17. GuruFocus rates STU:2D5 with a GF Score™ of 73/100 and a GF Value™ of €523.89. The stock has 11 warning signs investors should review. Among 531 Credit Services companies, Credit Acceptance ranks better than 77.02% on this metric.
The historical rank and industry rank for Credit Acceptance's FCF Margin % or its related term are showing as below:
STU:2D5'
s FCF Margin % Range Over the Past 10 Years
Min: 45.72 Med: 53.17 Max: 67.78
Current: 45.72
During the past 13 years, the highest FCF Margin % of Credit Acceptance was 67.78%. The lowest was 45.72%. And the median was 53.17%.
STU:2D5's FCF Margin % is ranked better than 77.02% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs STU:2D5: 45.72
Credit Acceptance FCF Margin % Related Terms
Credit Acceptance FCF Margin % Historical Data
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The historical data trend for Credit Acceptance's FCF Margin % 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.
STU:2D5 vs OMF, ENVA, SEZL: FCF Margin % Comparison
For the Credit Services subindustry, Credit Acceptance's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's FCF Margin % falls into.
* 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 (STU:2D5) has a FCF Margin % of 60.11% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Credit Acceptance and its competitors. This is 13% above median its historical median of 53.17. Over the past decade, Credit Acceptance's FCF Margin % has ranged from 45.72 to 67.78. According to the industry distribution chart, Credit Acceptance ranks #122 out of 531 companies in the Credit Services industry, placing it in the top 23%.
Is Credit Acceptance's FCF Margin % too high?
Credit Acceptance's current FCF Margin % of 60.11% is 13% above median its 10-year median of 53.17. Over the past 10 years, this metric has ranged from a low of 45.72 to a high of 67.78. The Credit Services industry median FCF Margin % is 0.24. Credit Acceptance's value of 60.11% is 24945.8% above this industry median. Based on the distribution chart, Credit Acceptance ranks #122 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #122 out of 531 companies for FCF Margin %. This places Credit Acceptance in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Credit Acceptance's value of 60.11% is 24945.8% above this benchmark. Historically, Credit Acceptance's own FCF Margin % has ranged from 45.72 to 67.78 over the past decade. While the company's 10-year median is 53.17 vs. the industry median of 0.24, Credit Acceptance has consistently been above 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current FCF Margin % of 60.11% is 24945.8% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current FCF Margin % is 60.11%, which is 13% above median its own 10-year median of 53.17. 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 (STU:2D5) has a current FCF Margin % of 60.11%. 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 FCF Margin % is 60.11%, which is 13% above median its 10-year median of 53.17 and 24945.8% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current FCF Margin % is 60.11% 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 (STU: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 STU:2D5:
FCF Margin %: 60.11% (13% above median its 10-year median of 53.17)
GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
Industry Position: 24945.8% above the Credit Services median (#122 of 531)
No single metric tells the full story. See the STU: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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