Credit Acceptance (STU:2D5) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 16, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

Credit Acceptance's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

STU:2D5 vs OMF, ENVA, SEZL: Margin of Safety % (DCF Dividends Based) Comparison

For the Credit Services subindustry, Credit Acceptance's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Credit Acceptance's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Credit Acceptance's Margin of Safety % (DCF Dividends Based) falls into.


STU:2D5
73GF Score
Credit Acceptance Corp STU:2D5
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • 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

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€530.00
Price
€523.89
GF Value