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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Credit Acceptance's annualizedNet Income for the quarter that ended in Mar. 2026 was €470 Mil.
Credit Acceptance's average Total Assets over the quarter that ended in Mar. 2026 was €7,446 Mil. Therefore, Credit Acceptance's annualized ROA % for the quarter that ended in Mar. 2026 was 6.31%.
The historical rank and industry rank for Credit Acceptance's ROA % or its related term are showing as below:
STU:2D5'
s ROA % Range Over the Past 10 Years
Min: 3.01 Med: 8.23 Max: 13.18
Current: 5.16
During the past 13 years, Credit Acceptance's highest ROA % was 13.18%. The lowest was 3.01%. And the median was 8.23%.
STU:2D5's ROA % is ranked better than 80.92% of 545
companies
in the Credit Services industry
Industry Median: 1.91
vs STU:2D5: 5.16
Credit Acceptance (STU:2D5) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Credit Acceptance ROA % Related Terms
Credit Acceptance ROA % Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's ROA % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Credit Acceptance (STU:2D5) has a ROA % of 6.31% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Credit Acceptance and its competitors. This is 23% below median its historical median of 8.23. Over the past decade, Credit Acceptance's ROA % has ranged from 3.01 to 13.18. According to the industry distribution chart, Credit Acceptance ranks #104 out of 545 companies in the Credit Services industry, placing it in the top 19.1%.
Is Credit Acceptance's ROA % too high?
Credit Acceptance's current ROA % of 6.31% is 23% below median its 10-year median of 8.23. Over the past 10 years, this metric has ranged from a low of 3.01 to a high of 13.18. The Credit Services industry median ROA % is 1.91. Credit Acceptance's value of 6.31% is 230.4% above this industry median. Based on the distribution chart, Credit Acceptance ranks #104 out of 545 companies in the Credit Services industry, which is in the top quartile — a strong position 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 ROA % compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #104 out of 545 companies for ROA %. This places Credit Acceptance in the top 19% of its industry — outperforming the majority of peers. The industry median ROA % is 1.91. Credit Acceptance's value of 6.31% is 230.4% above this benchmark. Historically, Credit Acceptance's own ROA % has ranged from 3.01 to 13.18 over the past decade. While the company's 10-year median is 8.23 vs. the industry median of 1.91, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.91, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current ROA % of 6.31% is 230.4% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median ROA % is 1.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current ROA % is 6.31%, which is 23% below median its own 10-year median of 8.23. 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 ROA % of 6.31%. 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 ROA % is 6.31%, which is 23% below median its 10-year median of 8.23 and 230.4% above the Credit Services industry median of 1.91. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current ROA % is 6.31% 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:
ROA %: 6.31% (23% below median its 10-year median of 8.23)
GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
Industry Position: 230.4% above the Credit Services median (#104 of 545)
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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