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Credit Acceptance Corp stock PB Ratio (=4.24) is close to 3-year high of 4.54.
The historical rank and industry rank for Credit Acceptance's PB Ratio or its related term are showing as below:
FRA:2D5'
s PB Ratio Range Over the Past 10 Years
Min: 1.94 Med: 3.69 Max: 5.33
Current: 4.24
During the past 13 years, Credit Acceptance's highest PB Ratio was 5.33. The lowest was 1.94. And the median was 3.69.
FRA:2D5's PB Ratio is ranked worse than 90.29% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs FRA:2D5: 4.24
During the past 12 months, Credit Acceptance's average Book Value Per Share Growth Rate was -0.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Credit Acceptance was 62.20% per year. The lowest was -6.40% per year. And the median was 11.20% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Credit Acceptance PB Ratio Related Terms
Credit Acceptance PB Ratio Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's PB Ratio 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.
For the Credit Services subindustry, Credit Acceptance's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Credit Acceptance (FRA:2D5) has a PB Ratio of 4.22 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Acceptance and its competitors. This is 14% above median its historical median of 3.69. Over the past decade, Credit Acceptance's PB Ratio has ranged from 1.94 to 5.33. According to the industry distribution chart, Credit Acceptance ranks #474 out of 525 companies in the Credit Services industry, placing it in the top 90.3%.
Is Credit Acceptance's PB Ratio too high?
Credit Acceptance's current PB Ratio of 4.22 is 14% above median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 1.94 to a high of 5.33. The Credit Services industry median PB Ratio is 1.05. Credit Acceptance's value of 4.22 is 301.9% above this industry median. Based on the distribution chart, Credit Acceptance ranks #474 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #474 out of 525 companies for PB Ratio. This places Credit Acceptance in the lower half of its industry. The industry median PB Ratio is 1.05. Credit Acceptance's value of 4.22 is 301.9% above this benchmark. Historically, Credit Acceptance's own PB Ratio has ranged from 1.94 to 5.33 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current PB Ratio of 4.22 is 301.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current PB Ratio is 4.22, which is 14% above median its own 10-year median of 3.69. 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 PB Ratio of 4.22. 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 PB Ratio is 4.22, which is 14% above median its 10-year median of 3.69 and 301.9% above the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current PB Ratio is 4.22 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 (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:
PB Ratio: 4.22 (14% above median its 10-year median of 3.69)
GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
Industry Position: 301.9% above the Credit Services median (#474 of 525)
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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