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Credit Acceptance Valuation Multiples
Discover revenue and EBITDA valuation multiples for Credit Acceptance and similar public comparables like Klarna, Nelnet, Blue Owl Technology, Gentera and more.
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
2.3K
Website
Financials (LTM)
EV
$11B
Credit Acceptance Financials
Credit Acceptance reported last 12-month revenue of $2B.
In the same LTM period, Credit Acceptance generated $445M in net income.
Revenue (LTM)
Credit Acceptance P&L
In the most recent fiscal year, Credit Acceptance reported revenue of $2B and EBITDA of $647M.
Credit Acceptance expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $2B | XXX | $2B | XXX | XXX | XXX |
| Gross Profit | — | XXX | $1B | XXX | XXX | XXX |
| Gross Margin | — | XXX | 61% | XXX | XXX | XXX |
| EBITDA | — | XXX | $647M | XXX | XXX | XXX |
| EBITDA Margin | — | XXX | 28% | XXX | XXX | XXX |
| EBIT Margin | 51% | XXX | 49% | XXX | XXX | XXX |
| Net Profit | $445M | XXX | $424M | XXX | XXX | XXX |
| Net Margin | 20% | XXX | 18% | XXX | XXX | XXX |
| Net Debt | — | — | $6B | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Credit Acceptance Stock Performance
Credit Acceptance has current market cap of $5B, and enterprise value of $11B.
Market Cap Evolution
Credit Acceptance's stock price is $465.15.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $11B | $5B | 0.0% | XXX | XXX | XXX | $39.44 |
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Start Free TrialCredit Acceptance Valuation Multiples
Credit Acceptance trades at 5.0x EV/Revenue multiple, and 17.5x EV/EBITDA.
EV / Revenue (LTM)
Credit Acceptance Financial Valuation Multiples
As of April 12, 2026, Credit Acceptance has market cap of $5B and EV of $11B.
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 11.2x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $5B | XXX | $5B | XXX | XXX | XXX |
| EV (current) | $11B | XXX | $11B | XXX | XXX | XXX |
| EV/Revenue | 5.0x | XXX | 4.9x | XXX | XXX | XXX |
| EV/EBITDA | — | XXX | 17.5x | XXX | XXX | XXX |
| EV/EBIT | 9.8x | XXX | 9.9x | XXX | XXX | XXX |
| EV/Gross Profit | — | XXX | 8.0x | XXX | XXX | XXX |
| P/E | 11.2x | XXX | 11.8x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 10.8x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Credit Acceptance Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Credit Acceptance Margins & Growth Rates
Credit Acceptance's revenue in the last 12 month declined by (4%).
Credit Acceptance's revenue per employee in the last FY averaged $1.0M, while opex per employee averaged $0.8M for the same period.
Credit Acceptance Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | (4%) | XXX | (8%) | XXX | XXX | XXX |
| EBITDA Margin | — | XXX | 28% | XXX | XXX | XXX |
| EBITDA Growth | — | XXX | 83% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $1.0M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.8M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 4% | XXX | 4% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 3% | XXX | XXX | XXX |
| Opex to Revenue | 70% | XXX | 76% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Credit Acceptance Public Comps
See public comps and valuation multiples for other Consumer Finance and Specialty Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Credit Acceptance | XXX | XXX | XXX | XXX | XXX | XXX |
| Klarna | XXX | XXX | XXX | XXX | XXX | XXX |
| Nelnet | XXX | XXX | XXX | XXX | XXX | XXX |
| Blue Owl Technology | XXX | XXX | XXX | XXX | XXX | XXX |
| Gentera | XXX | XXX | XXX | XXX | XXX | XXX |
| Blue Owl Capital Corp. | 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 M&A Activity
Credit Acceptance acquired XXX companies to date.
Last acquisition by Credit Acceptance was on XXXXXXXX, XXXXX. Credit Acceptance acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Credit Acceptance
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialCredit Acceptance Investment Activity
Credit Acceptance invested in XXX companies to date.
Credit Acceptance made its latest investment on XXXXXXXX, XXXXX. Credit Acceptance invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Credit Acceptance
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Credit Acceptance
| When was Credit Acceptance founded? | Credit Acceptance was founded in 1972. |
| Where is Credit Acceptance headquartered? | Credit Acceptance is headquartered in United States. |
| How many employees does Credit Acceptance have? | As of today, Credit Acceptance has over 2K employees. |
| Who is the CEO of Credit Acceptance? | Credit Acceptance's CEO is Vinayak R. Hegde. |
| Is Credit Acceptance publicly listed? | Yes, Credit Acceptance is a public company listed on Nasdaq. |
| 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? | Credit Acceptance main competitors are Klarna, Nelnet, Blue Owl Technology, Gentera. |
| What is the current market cap of Credit Acceptance? | Credit Acceptance's current market cap is $5B. |
| What is the current revenue of Credit Acceptance? | Credit Acceptance's last 12 months revenue is $2B. |
| What is the current revenue growth of Credit Acceptance? | Credit Acceptance revenue growth (NTM/LTM) is (4%). |
| What is the current EV/Revenue multiple of Credit Acceptance? | Current revenue multiple of Credit Acceptance is 5.0x. |
| Is Credit Acceptance profitable? | Yes, Credit Acceptance is net-income-positive (as of the last 12 months). |
| What is the current net income of Credit Acceptance? | Credit Acceptance's last 12 months net income is $445M. |
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