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Credit Acceptance (FRA:2D5) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Credit Acceptance Forward PE Ratio Related Terms
Credit Acceptance Forward PE Ratio Historical Data
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The historical data trend for Credit Acceptance's Forward PE Ratio 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.
Credit Acceptance Forward PE Ratio Chart
Credit Acceptance Annual Data
Trend
2017-12
2018-12
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
11.79
11.96
11.81
12.02
14.33
9.97
12.50
12.99
10.66
Credit Acceptance Quarterly Data
2017-06
2017-09
2017-12
2018-03
2018-06
2018-09
2018-12
2019-03
2019-06
2019-09
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
13.62
12.69
11.79
12.74
13.39
14.66
11.96
13.83
13.77
12.24
11.81
12.95
29.07
10.45
12.02
12.14
12.20
16.39
14.33
11.55
10.13
8.26
9.97
9.91
12.25
10.27
12.50
14.51
13.21
9.66
12.99
11.91
12.25
10.63
10.66
10.10
FRA:2D5 vs ENVA, KLAR, SEZL: Forward PE Ratio Comparison
For the Credit Services subindustry, Credit Acceptance's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Credit Acceptance (FRA:2D5) has a Forward PE Ratio of 11.63 as of Aug. 03, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Credit Acceptance and its competitors. According to the industry distribution chart, Credit Acceptance ranks #119 out of 187 companies in the Credit Services industry, placing it in the top 63.6%.
Is Credit Acceptance's Forward PE Ratio too high?
Credit Acceptance's current Forward PE Ratio is 11.63. The Credit Services industry median Forward PE Ratio is 10.51. Credit Acceptance's value of 11.63 is 10.7% above this industry median. Based on the distribution chart, Credit Acceptance ranks #119 out of 187 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 Forward PE Ratio compare to ENVA and KLAR?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #119 out of 187 companies for Forward PE Ratio. This places Credit Acceptance in the lower half of its industry. The industry median Forward PE Ratio is 10.51. Credit Acceptance's value of 11.63 is 10.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Credit Services company?
The median Forward PE Ratio among Credit Services companies is 10.51, based on 187 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current Forward PE Ratio of 11.63 is 10.7% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median Forward PE Ratio is 10.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current Forward PE Ratio is 11.63. 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 Forward PE Ratio of 11.63. The stock's GF Value™ is €509.30, compared to a current price of €474.00 — trading 6.9% below its estimated fair value. The current Forward PE Ratio is 11.63 and 10.7% above the Credit Services industry median of 10.51. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current Forward PE Ratio is 11.63 as of Aug. 03, 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 undervalued.
The current stock price of €474.00 is trading 6.9% below its estimated GF Value™ of €509.30.
Key valuation signals for FRA:2D5:
Forward PE Ratio: 11.63
GF Value™: €509.30 vs. price of €474.00 (6.9% below fair value)
Industry Position: 10.7% above the Credit Services median (#119 of 187)
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
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Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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