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Credit Acceptance has the GF Score of 73, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Credit Acceptance
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Credit Acceptance (STU:2D5) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Credit Acceptance GF Score Related Terms
STU:2D5 vs OMF, ENVA, SEZL: GF Score Comparison
For the Credit Services subindustry, Credit Acceptance's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's GF Score distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's GF Score falls into.
Credit Acceptance (STU:2D5) has a GF Score of 73 as of Jul. 16, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Credit Acceptance and its competitors. This is 12% below median its historical median of 83.00. Over the past decade, Credit Acceptance's GF Score has ranged from 21.00 to 96.00.
Is Credit Acceptance's GF Score too high?
Credit Acceptance's current GF Score of 73 is 12% below median its 10-year median of 83.00. Over the past 10 years, this metric has ranged from a low of 21.00 to a high of 96.00. 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 GF Score compare to OMF and ENVA?
Credit Acceptance's GF Score of 73 can be compared against companies in the Credit Services industry. Historically, Credit Acceptance's own GF Score has ranged from 21.00 to 96.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Credit Acceptance and its competitors. Credit Acceptance's current GF Score is 73, which is 12% below median its own 10-year median of 83.00. 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 GF Score of 73. The stock's GF Value™ is €527.44, compared to a current price of €530.00 — trading 0.5% above its estimated fair value. The current GF Score is 73, which is 12% below median its 10-year median of 83.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current GF Score is 73 as of Jul. 16, 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 0.5% above its estimated GF Value™ of €527.44.
Key valuation signals for STU:2D5:
GF Score: 73 (12% below median its 10-year median of 83.00)
GF Value™: €527.44 vs. price of €530.00 (0.5% above fair value)
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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