Credit Acceptance (FRA:2D5) Total Operating Expense: €671 Mil (TTM As of Mar. 2026)

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FRA:2D5 Credit Acceptance Corp FRA:2D5
73 GF Score
Price €530.00
GF Value €523.89
! 11 Warning Signs
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What is Credit Acceptance Total Operating Expense?

Credit Acceptance FRA:2D5 -1.85% 73 Total Operating Expense is €671 Mil as of Mar. 2026. GuruFocus rates FRA:2D5 with a GF Score™ of 73/100 and a GF Value™ of €523.89. The stock has 11 warning signs investors should review.

Credit Acceptance's Total Operating Expense for the three months ended in Mar. 2026 was €166 Mil. Credit Acceptance's Total Operating Expense for the trailing twelve months (TTM) ended in Mar. 2026 was €671 Mil.

Credit Acceptance Total Operating Expense Related Terms

Credit Acceptance Total Operating Expense Historical Data

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The historical data trend for Credit Acceptance's Total Operating Expense 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.

Credit Acceptance Total Operating Expense Chart

Credit Acceptance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Operating Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 153.99 609.54 839.15 961.69 680.04

Credit Acceptance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Operating Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 193.14 211.90 181.56 111.02 166.25
FRA:2D5
73GF Score
Credit Acceptance Corp FRA:2D5
Total Operating Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Credit Acceptance Total Operating Expense Calculation

Total Operating Expense is the primary recurring expense associated with central operations that are incurred in order to generate sales.


Total Operating Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €671 Mil.

* 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.

What does a Total Operating Expense of €671 Mil mean?
Credit Acceptance (FRA:2D5) has a Total Operating Expense of €671 Mil as of Mar. 2026. Total operating expense is the primary recurring expense associated with central operations. View historical data on Credit Acceptance and its competitors.
Is Credit Acceptance's Total Operating Expense too high?
Credit Acceptance's current Total Operating Expense is €671 Mil. 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 Total Operating Expense compare to OMF and ENVA?
Credit Acceptance's Total Operating Expense of €671 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Operating Expense for a Credit Services company?
A good Total Operating Expense depends on the Credit Services industry context. However, Total Operating Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Operating Expense mean?
A high Total Operating Expense can signal that a stock is expensive relative to its fundamentals. Total operating expense is the primary recurring expense associated with central operations. View historical data on Credit Acceptance and its competitors. Credit Acceptance's current Total Operating Expense is €671 Mil. 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 Total Operating Expense of €671 Mil. 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 Total Operating Expense is €671 Mil. 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 Total Operating Expense calculated?
Total Operating Expense is calculated from a company's financial statements. For Credit Acceptance (FRA:2D5), the current Total Operating Expense is €671 Mil 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:

  • Total Operating Expense: €671 Mil
  • GF Value™: €523.89 vs. price of €530.00 (1.2% above fair value)
  • GF Score™: 73/100 with 11 warning signs

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 Business Description

Other Exchanges CACC:USA2D5:Germany
Address 25505 West Twelve Mile Road, Southfield, MI, USA, 48034-8339
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

Get the complete analysis for FRA:2D5

Total Operating Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€530.00
Price
€523.89
GF Value