Switch theme
Sign up to access all valuation multiples
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.
1972
2.4K+
LTM Revenue $2.2B
LTM EBITDA n/a
$11.5B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Credit Acceptance has a last 12-month revenue of $2.2B and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Credit Acceptance achieved revenue of $2.1B and an EBITDA of $353M.
Credit Acceptance expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Credit Acceptance valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $1.9B | $2.1B | XXX | XXX | XXX |
| Gross Profit | $1.4B | $1.3B | XXX | XXX | XXX |
| Gross Margin | 72% | 59% | XXX | XXX | XXX |
| EBITDA | $374M | $353M | XXX | XXX | XXX |
| EBITDA Margin | 20% | 17% | XXX | XXX | XXX |
| Net Profit | $536M | $286M | XXX | XXX | XXX |
| Net Margin | 29% | 13% | XXX | XXX | XXX |
| Net Debt | $4.6B | $5.1B | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
As of March 14, 2025, Credit Acceptance's stock price is $459.
Credit Acceptance has current market cap of $5.5B, and EV of $11.5B.
See Credit Acceptance trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $11.5B | $5.5B | XXX | XXX | XXX | XXX | $38.93 |
Sign up to access valuation multiples like growth-adjusted P/E, next 12-month EV/Revenue, EBITDA multiples by industry and many more
Sign UpAs of March 14, 2025, Credit Acceptance has market cap of $5.5B and EV of $11.5B.
Credit Acceptance's trades at 5.3x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Credit Acceptance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Credit Acceptance and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $11.5B | XXX | XXX | XXX |
| EV/Revenue | 5.4x | XXX | XXX | XXX |
| EV/EBITDA | 32.7x | XXX | XXX | XXX |
| P/E | 22.3x | XXX | XXX | XXX |
| P/E/Growth | 0.5x | XXX | XXX | XXX |
| EV/FCF | 10.1x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpCredit Acceptance's NTM/LTM revenue growth is 1%
Credit Acceptance's revenue per employee for the last fiscal year averaged $0.9M, while opex per employee averaged $0.4M for the same period.
Over next 12 months, Credit Acceptance's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Credit Acceptance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Credit Acceptance and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 14% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 17% | XXX | XXX | XXX | XXX |
| EBITDA Growth | -6% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 17% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.9M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.4M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 4% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 5% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 47% | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Credit Acceptance acquired XXX companies to date.
Last acquisition by Credit Acceptance was XXXXXXXX, XXXXX XXXXX XXXXXX . Credit Acceptance acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
Sign up to see revenue and EBITDA valuation multiples for 60K+ M&A deals.
Sign Up| When was Credit Acceptance founded? | Credit Acceptance was founded in 1972. |
| Where is Credit Acceptance headquartered? | Credit Acceptance is headquartered in United States of America. |
| How many employees does Credit Acceptance have? | As of today, Credit Acceptance has 2.4K+ employees. |
| Who is the CEO of Credit Acceptance? | Credit Acceptance's CEO is Mr. Kenneth S. Booth. |
| Is Credit Acceptance publicy listed? | Yes, Credit Acceptance is a public company listed on NAS. |
| What is the stock symbol of Credit Acceptance? | Credit Acceptance trades under CACC ticker. |
| When did Credit Acceptance go public? | Credit Acceptance went public in 1992. |
| Who are competitors of Credit Acceptance? | Similar companies to Credit Acceptance include e.g. Credit Clear, Humm Group, Liberty Financial Group, Latitude Financial Services. |
| What is the current market cap of Credit Acceptance? | Credit Acceptance's current market cap is $5.5B |
| What is the current revenue of Credit Acceptance? | Credit Acceptance's last 12-month revenue is $2.2B. |
| What is the current EV/Revenue multiple of Credit Acceptance? | Current revenue multiple of Credit Acceptance is 5.3x. |
| What is the current revenue growth of Credit Acceptance? | Credit Acceptance revenue growth between 2023 and 2024 was 14%. |
| Is Credit Acceptance profitable? | Yes, Credit Acceptance is EBITDA-positive (as of the last 12 months). |
Get access to always up-to-date, precisely categorized 70K+ public and private valuation multiples, across tech and beyond.
