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Credit Acceptance has a quick ratio of 20.57. It generally indicates good short-term financial strength.
The historical rank and industry rank for Credit Acceptance's Quick Ratio or its related term are showing as below:
STU:2D5'
s Quick Ratio Range Over the Past 10 Years
Min: 17.5 Med: 28.11 Max: 41.68
Current: 20.57
During the past 13 years, Credit Acceptance's highest Quick Ratio was 41.68. The lowest was 17.50. And the median was 28.11.
STU:2D5's Quick Ratio is ranked better than 66.16% of 396
companies
in the Credit Services industry
Industry Median: 4.27
vs STU:2D5: 20.57
Credit Acceptance (STU:2D5) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Credit Acceptance Quick Ratio Related Terms
Credit Acceptance Quick Ratio Historical Data
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The historical data trend for Credit Acceptance's Quick 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.
STU:2D5 vs OMF, ENVA, SEZL: Quick Ratio Comparison
For the Credit Services subindustry, Credit Acceptance's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Credit Acceptance's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (STU:2D5) has a Quick Ratio of 20.57 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Credit Acceptance and its competitors. This is 27% below median its historical median of 28.11. Over the past decade, Credit Acceptance's Quick Ratio has ranged from 17.50 to 41.68. According to the industry distribution chart, Credit Acceptance ranks #134 out of 396 companies in the Credit Services industry, placing it in the top 33.8%.
Is Credit Acceptance's Quick Ratio too high?
Credit Acceptance's current Quick Ratio of 20.57 is 27% below median its 10-year median of 28.11. Over the past 10 years, this metric has ranged from a low of 17.50 to a high of 41.68. The Credit Services industry median Quick Ratio is 4.27. Credit Acceptance's value of 20.57 is 381.7% above this industry median. Based on the distribution chart, Credit Acceptance ranks #134 out of 396 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 Quick Ratio compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #134 out of 396 companies for Quick Ratio. This puts Credit Acceptance in the upper half of its industry. The industry median Quick Ratio is 4.27. Credit Acceptance's value of 20.57 is 381.7% above this benchmark. Historically, Credit Acceptance's own Quick Ratio has ranged from 17.50 to 41.68 over the past decade. While the company's 10-year median is 28.11 vs. the industry median of 4.27, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.27, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current Quick Ratio of 20.57 is 381.7% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current Quick Ratio is 20.57, which is 27% below median its own 10-year median of 28.11. 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 Quick Ratio of 20.57. 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 Quick Ratio is 20.57, which is 27% below median its 10-year median of 28.11 and 381.7% above the Credit Services industry median of 4.27. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current Quick Ratio is 20.57 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:
Quick Ratio: 20.57 (27% below median its 10-year median of 28.11)
GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
Industry Position: 381.7% above the Credit Services median (#134 of 396)
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 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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