Credit Acceptance (FRA:2D5) Long-Term Debt: €5,543 Mil (As of Mar. 2026)

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FRA:2D5 Credit Acceptance Corp FRA:2D5
73 GF Score
Price €535.00
GF Value €544.71
! 11 Warning Signs
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What is Credit Acceptance Long-Term Debt?

Credit Acceptance FRA:2D5 -2.73% 73 Long-Term Debt is €5,543 Mil as of Mar. 2026. GuruFocus rates FRA:2D5 with a GF Score™ of 73/100 and a GF Value™ of €544.71. The stock has 11 warning signs investors should review.

Credit Acceptance's Long-Term Debt for the quarter that ended in Mar. 2026 was €5,543 Mil.

Credit Acceptance's quarterly Long-Term Debt declined from Sep. 2025 (€5,426 Mil) to Dec. 2025 (€5,426 Mil) but then increased from Dec. 2025 (€5,426 Mil) to Mar. 2026 (€5,543 Mil).

Credit Acceptance's annual Long-Term Debt increased from Dec. 2023 (€4,647 Mil) to Dec. 2024 (€6,067 Mil) but then declined from Dec. 2024 (€6,067 Mil) to Dec. 2025 (€5,426 Mil).

Credit Acceptance  (FRA:2D5) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Credit Acceptance Long-Term Debt Related Terms

Credit Acceptance Long-Term Debt Historical Data

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The historical data trend for Credit Acceptance's Long-Term Debt 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 Long-Term Debt Chart

Credit Acceptance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,085.43 4,333.62 4,646.90 6,067.02 5,426.23

Credit Acceptance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6,202.31 5,610.53 5,426.39 5,426.23 5,543.44
FRA:2D5
73GF Score
Credit Acceptance Corp FRA:2D5
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €5,543 Mil mean?
Credit Acceptance (FRA:2D5) has a Long-Term Debt of €5,543 Mil as of Mar. 2026.
Is Credit Acceptance's Long-Term Debt too high?
Credit Acceptance's current Long-Term Debt is €5,543 Mil. 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 Long-Term Debt compare to OMF and ENVA?
Credit Acceptance's Long-Term Debt of €5,543 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Credit Acceptance's current Long-Term Debt is €5,543 Mil. 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 Long-Term Debt of €5,543 Mil. The stock's GF Value™ is €544.71, compared to a current price of €535.00 — trading 1.8% below its estimated fair value. The current Long-Term Debt is €5,543 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current Long-Term Debt is €5,543 Mil 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 undervalued. The current stock price of €535.00 is trading 1.8% below its estimated GF Value™ of €544.71.

Key valuation signals for FRA:2D5:

  • Long-Term Debt: €5,543 Mil
  • GF Value™: €544.71 vs. price of €535.00 (1.8% below fair value)
  • GF Score™: 73/100 with 11 warning signs

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 Business Description

Other Exchanges CACC:USA2D5:Germany
Address 25505 West Twelve Mile Road, Southfield, MI, USA, 48034-8339
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

Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€535.00
Price
€544.71
GF Value