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The historical rank and industry rank for Credit Acceptance's ROE % or its related term are showing as below:
STU:2D5'
s ROE % Range Over the Past 10 Years
Min: 14.15 Med: 30.64 Max: 46.44
Current: 28.76
During the past 13 years, Credit Acceptance's highest ROE % was 46.44%. The lowest was 14.15%. And the median was 30.64%.
STU:2D5's ROE % is ranked better than 92.82% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs STU:2D5: 28.76
Credit Acceptance (STU:2D5) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Credit Acceptance ROE % Related Terms
Credit Acceptance ROE % Historical Data
* Premium members only.
The historical data trend for Credit Acceptance's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Credit Acceptance's ROE % distribution charts can be found below:
* The bar in red indicates where Credit Acceptance's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Credit Acceptance (STU:2D5) has a ROE % of 35.99% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Credit Acceptance and its competitors. This is 17% above median its historical median of 30.64. Over the past decade, Credit Acceptance's ROE % has ranged from 14.15 to 46.44. According to the industry distribution chart, Credit Acceptance ranks #38 out of 529 companies in the Credit Services industry, placing it in the top 7.2%.
Is Credit Acceptance's ROE % too high?
Credit Acceptance's current ROE % of 35.99% is 17% above median its 10-year median of 30.64. Over the past 10 years, this metric has ranged from a low of 14.15 to a high of 46.44. The Credit Services industry median ROE % is 6.61. Credit Acceptance's value of 35.99% is 444.5% above this industry median. Based on the distribution chart, Credit Acceptance ranks #38 out of 529 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 ROE % compare to OMF and ENVA?
According to the Credit Services industry distribution chart, Credit Acceptance ranks #38 out of 529 companies for ROE %. This places Credit Acceptance in the top 7% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. Credit Acceptance's value of 35.99% is 444.5% above this benchmark. Historically, Credit Acceptance's own ROE % has ranged from 14.15 to 46.44 over the past decade. While the company's 10-year median is 30.64 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Acceptance's current ROE % of 35.99% is 444.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Credit Acceptance and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Acceptance's current ROE % is 35.99%, which is 17% above median its own 10-year median of 30.64. 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 ROE % of 35.99%. The stock's GF Value™ is €527.44, compared to a current price of €530.00 — trading 0.5% above its estimated fair value. The current ROE % is 35.99%, which is 17% above median its 10-year median of 30.64 and 444.5% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Credit Acceptance (STU:2D5), the current ROE % is 35.99% 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 0.5% above its estimated GF Value™ of €527.44.
Key valuation signals for STU:2D5:
ROE %: 35.99% (17% above median its 10-year median of 30.64)
GF Value™: €527.44 vs. price of €530.00 (0.5% above fair value)
Industry Position: 444.5% above the Credit Services median (#38 of 529)
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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