Credit Acceptance (STU:2D5) LT-Debt-to-Total-Asset: 0.74 (As of Mar. 2026)

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STU:2D5 Credit Acceptance Corp STU:2D5
73 GF Score
Price €530.00
GF Value €523.89
! 11 Warning Signs
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What is Credit Acceptance LT-Debt-to-Total-Asset?

Credit Acceptance STU:2D5 -0.93% 73 LT-Debt-to-Total-Asset is 0.74 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Credit Acceptance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.74.

Credit Acceptance's long-term debt to total assets ratio increased from Mar. 2025 (0.72) to Mar. 2026 (0.74). It may suggest that Credit Acceptance is progressively becoming more dependent on debt to grow their business.

Credit Acceptance  (STU:2D5) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Credit Acceptance LT-Debt-to-Total-Asset Related Terms

Credit Acceptance LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Credit Acceptance's LT-Debt-to-Total-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.

Credit Acceptance LT-Debt-to-Total-Asset Chart

Credit Acceptance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.66 0.67 0.67 0.72 0.74

Credit Acceptance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.72 0.74 0.74 0.74 0.74
STU:2D5
73GF Score
Credit Acceptance Corp STU:2D5
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Acceptance LT-Debt-to-Total-Asset Calculation

Credit Acceptance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=5426.231/7371.472
=0.74

Credit Acceptance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=5543.439/7520.829
=0.74

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.74 mean?
Credit Acceptance (STU:2D5) has a LT-Debt-to-Total-Asset of 0.74 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Credit Acceptance and its competitors.
Is Credit Acceptance's LT-Debt-to-Total-Asset too high?
Credit Acceptance's current LT-Debt-to-Total-Asset is 0.74. 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 LT-Debt-to-Total-Asset compare to OMF and ENVA?
Credit Acceptance's LT-Debt-to-Total-Asset of 0.74 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Credit Acceptance and its competitors. Credit Acceptance's current LT-Debt-to-Total-Asset is 0.74. 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 LT-Debt-to-Total-Asset of 0.74. 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 LT-Debt-to-Total-Asset is 0.74. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current LT-Debt-to-Total-Asset is 0.74 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:

  • LT-Debt-to-Total-Asset: 0.74
  • GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
  • GF Score™: 73/100 with 11 warning signs

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 Business Description

Other Exchanges CACC:USA
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 STU:2D5

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€530.00
Price
€523.89
GF Value