Credit Acceptance - Public Comps and Valuation Multiples

Credit Acceptance Overview

About Credit Acceptance

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.

Founded

1972

HQ

Employees

2.4K+

Website

creditacceptance.com

Sectors

Lending Solutions

Financials

LTM Revenue $2.3B

Last FY EBITDA $353M

EV

$11.8B

Valuation Multiples

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Credit Acceptance Financials

As of September 2025, Credit Acceptance reported last 12-month revenue of $2.3B.

In the same period, Credit Acceptance achieved $389M in LTM net income.

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Credit Acceptance P&L

In the most recent fiscal year, Credit Acceptance reported revenue of $2.1B and EBITDA of $353M.

Credit Acceptance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$2.3B	XXX	$2.1B	XXX	XXX	XXX
Gross Profit	n/a	XXX	$1.3B	XXX	XXX	XXX
Gross Margin	n/a	XXX	62%	XXX	XXX	XXX
EBITDA	n/a	XXX	$353M	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	17%	XXX	XXX	XXX
EBIT	$1.1B	XXX	$325M	XXX	XXX	XXX
EBIT Margin	47%	XXX	15%	XXX	XXX	XXX
Net Profit	$389M	XXX	$248M	XXX	XXX	XXX
Net Margin	17%	XXX	12%	XXX	XXX	XXX
Net Debt	XXX	XXX	$6.0B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Credit Acceptance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $2.3B. In the most recent fiscal year, Credit Acceptance achieved $2.1B in revenue and $353M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$2.3B	Analyst estimates available to subscribers	$2.1B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$1.3B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	62.4% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	$353M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	16.5% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$1.1B	Analyst estimates available to subscribers	$325M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	47.4% EBIT margin	Analyst estimates available to subscribers	15.2% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$389M	Analyst estimates available to subscribers	$248M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	16.9% net profit margin	Analyst estimates available to subscribers	11.6% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$6.0B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Credit Acceptance

This financial data table provides comprehensive performance metrics for Credit Acceptance, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Credit Acceptance generated $2.3B in revenue over the last twelve months.
Net income over the last twelve months reached $389M.

Fiscal Year Performance

In the most recent fiscal year, Credit Acceptance reported $2.1B in total revenue.
Fiscal year EBITDA was $353M.
The company maintained a gross profit margin of 62.4% in the most recent fiscal year.
EBITDA margin for the fiscal year was 16.5%.
Net profit margin reached 11.6% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Credit Acceptance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Credit Acceptance Stock Performance

Credit Acceptance has current market cap of $5.4B, and EV of $11.8B.

Market Cap Evolution

Credit Acceptance Stock Data

As of October 13, 2025, Credit Acceptance's stock price is $479.

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$11.8B	$5.4B	XXX	XXX	XXX	XXX	$38.04

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Credit Acceptance Valuation Multiples

Credit Acceptance's trades at 5.5x EV/Revenue multiple, and 33.4x EV/EBITDA.

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Credit Acceptance Financial Valuation Multiples

As of October 13, 2025, Credit Acceptance has market cap of $5.4B and EV of $11.8B.

Equity research analysts estimate Credit Acceptance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Credit Acceptance has a P/E ratio of 13.8x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$5.4B	XXX	$5.4B	XXX	XXX	XXX
EV (current)	$11.8B	XXX	$11.8B	XXX	XXX	XXX
EV/Revenue	5.1x	XXX	5.5x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	33.4x	XXX	XXX	XXX
EV/EBIT	10.8x	XXX	36.2x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	13.8x	XXX	21.7x	XXX	XXX	XXX
EV/FCF	n/a	XXX	10.4x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Credit Acceptance Margins & Growth Rates

Credit Acceptance's last 12 month revenue growth is 5%

Credit Acceptance's revenue per employee in the last FY averaged $0.9M, while opex per employee averaged $0.4M for the same period.

Credit Acceptance's rule of 40 is 25% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Credit Acceptance's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Credit Acceptance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	5%	XXX	7%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	17%	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	25%	XXX	22%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.9M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.4M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	4%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	47%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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