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The historical rank and industry rank for Credit Acceptance's Net Margin % or its related term are showing as below:
FRA:2D5'
s Net Margin % Range Over the Past 10 Years
Min: 11.62 Med: 31.94 Max: 51.77
Current: 19.71
FRA:2D5's Net Margin % is ranked better than 60.3% of 534
companies
in the Credit Services industry
Industry Median: 14.69
vs FRA:2D5: 19.71
Credit Acceptance (FRA:2D5) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit Acceptance Net Margin % Related Terms
Credit Acceptance Net Margin % Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's Net Margin % 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.
FRA:2D5 vs OMF, ENVA, SEZL: Net Margin % Comparison
For the Credit Services subindustry, Credit Acceptance's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Net Margin % falls into.
* 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 (FRA:2D5) has a Net Margin % of 23.63% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Credit Acceptance and its competitors. This is 26% below median its historical median of 31.94. Over the past decade, Credit Acceptance's Net Margin % has ranged from 11.62 to 51.77. According to the industry distribution chart, Credit Acceptance ranks #212 out of 534 companies in the Credit Services industry, placing it in the top 39.7%.
Is Credit Acceptance's Net Margin % too high?
Credit Acceptance's current Net Margin % of 23.63% is 26% below median its 10-year median of 31.94. Over the past 10 years, this metric has ranged from a low of 11.62 to a high of 51.77. The Credit Services industry median Net Margin % is 14.69. Credit Acceptance's value of 23.63% is 60.9% above this industry median. Based on the distribution chart, Credit Acceptance ranks #212 out of 534 companies in the Credit Services industry, which is above 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 Net Margin % compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #212 out of 534 companies for Net Margin %. This puts Credit Acceptance in the upper half of its industry. The industry median Net Margin % is 14.69. Credit Acceptance's value of 23.63% is 60.9% above this benchmark. Historically, Credit Acceptance's own Net Margin % has ranged from 11.62 to 51.77 over the past decade. While the company's 10-year median is 31.94 vs. the industry median of 14.69, Credit Acceptance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.69, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current Net Margin % of 23.63% is 60.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median Net Margin % is 14.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current Net Margin % is 23.63%, which is 26% below median its own 10-year median of 31.94. 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 Net Margin % of 23.63%. 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 Net Margin % is 23.63%, which is 26% below median its 10-year median of 31.94 and 60.9% above the Credit Services industry median of 14.69. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current Net Margin % is 23.63% 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 overvalued.
The current stock price of €530.00 is trading 1.2% above its estimated GF Value™ of €523.89.
Key valuation signals for FRA:2D5:
Net Margin %: 23.63% (26% below median its 10-year median of 31.94)
GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
Industry Position: 60.9% above the Credit Services median (#212 of 534)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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