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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
Last FY EBITDA $353M
$12.0B
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 (LTM) 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| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $2.2B | XXX | $2.1B | XXX | XXX | XXX |
| Gross Profit | $2.2B | XXX | $1.3B | XXX | XXX | XXX |
| Gross Margin | 100% | 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 | 48% | XXX | 15% | XXX | XXX | XXX |
| Net Profit | $357M | XXX | $248M | XXX | XXX | XXX |
| Net Margin | 16% | XXX | 12% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $6.0B | XXX | XXX | XXX |
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As of June 27, 2025, Credit Acceptance's stock price is $503.
Credit Acceptance has current market cap of $5.8B, and EV of $12.0B.
See Credit Acceptance trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $12.0B | $5.8B | XXX | XXX | XXX | XXX | $39.23 |
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Start Free TrialAs of June 27, 2025, Credit Acceptance has market cap of $5.8B and EV of $12.0B.
Credit Acceptance's trades at 5.6x EV/Revenue multiple, and 34.0x EV/EBITDA.
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 16.3x.
See valuation multiples for Credit Acceptance and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $5.8B | XXX | $5.8B | XXX | XXX | XXX |
| EV (current) | $12.0B | XXX | $12.0B | XXX | XXX | XXX |
| EV/Revenue | 5.4x | XXX | 5.6x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | 34.0x | XXX | XXX | XXX |
| EV/EBIT | 11.2x | XXX | 36.9x | XXX | XXX | XXX |
| EV/Gross Profit | 5.4x | XXX | n/a | XXX | XXX | XXX |
| P/E | 16.3x | XXX | 23.5x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 10.6x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialCredit Acceptance's last 12 month revenue growth is 6%
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 26% (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).
See operational valuation multiples for Credit Acceptance and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 6% | 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 | 26% | 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 |
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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 |
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Start Free Trial| 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 $5.8B |
| What is the current revenue of Credit Acceptance? | Credit Acceptance's last 12 months revenue is $2.2B. |
| What is the current revenue growth of Credit Acceptance? | Credit Acceptance revenue growth (NTM/LTM) is 6%. |
| What is the current EV/Revenue multiple of Credit Acceptance? | Current revenue multiple of Credit Acceptance is 5.4x. |
| Is Credit Acceptance profitable? | Yes, Credit Acceptance is EBITDA-positive (as of the last 12 months). |
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