Credit Acceptance Corporation (FRA:2D5)

Credit Acceptance Statistics

Total Valuation

FRA:2D5 has a market cap or net worth of EUR 4.52 billion.

Market Cap	4.52B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, January 29, 2026.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	10.75M
Shares Outstanding	n/a
Shares Change (YoY)	-6.56%
Shares Change (QoQ)	-3.22%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	5.43M

Valuation Ratios

The trailing PE ratio is 12.52 and the forward PE ratio is 11.34.

PE Ratio	12.52
Forward PE	11.34
PS Ratio	4.28
PB Ratio	3.48
P/TBV Ratio	3.48
P/FCF Ratio	5.04
P/OCF Ratio	5.03
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.28, with a Debt / Equity ratio of 4.17.

Current Ratio	3.28
Quick Ratio	3.10
Debt / Equity	4.17
Debt / EBITDA	n/a
Debt / FCF	6.04
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 25.90% and return on invested capital (ROIC) is 5.37%.

Return on Equity (ROE)	25.90%
Return on Assets (ROA)	4.85%
Return on Invested Capital (ROIC)	5.37%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	455,737
Profits Per Employee	156,022
Employee Count	2,314
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:2D5 has paid 120.52 million in taxes.

Income Tax	120.52M
Effective Tax Rate	25.03%

Stock Price Statistics

The stock price has decreased by -17.41% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-17.41%
50-Day Moving Average	393.88
200-Day Moving Average	408.98
Relative Strength Index (RSI)	52.41
Average Volume (20 Days)	0

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	7.96

Income Statement

In the last 12 months, FRA:2D5 had revenue of EUR 1.05 billion and earned 361.04 million in profits. Earnings per share was 30.98.

Revenue	1.05B
Gross Profit	993.51M
Operating Income	482.57M
Pretax Income	481.55M
Net Income	361.04M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	30.98

Balance Sheet

The company has 19.42 million in cash and 5.41 billion in debt, with a net cash position of -5.39 billion.

Cash & Cash Equivalents	19.42M
Total Debt	5.41B
Net Cash	-5.39B
Net Cash Per Share	n/a
Equity (Book Value)	1.30B
Book Value Per Share	121.50
Working Capital	5.02B

Cash Flow

In the last 12 months, operating cash flow was 898.20 million and capital expenditures -1.36 million, giving a free cash flow of 896.84 million.

Operating Cash Flow	898.20M
Capital Expenditures	-1.36M
Free Cash Flow	896.84M
FCF Per Share	n/a

Margins

Gross margin is 94.21%, with operating and profit margins of 45.76% and 34.24%.

Gross Margin	94.21%
Operating Margin	45.76%
Pretax Margin	45.66%
Profit Margin	34.24%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	85.04%

Dividends & Yields

FRA:2D5 does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	6.56%
Shareholder Yield	6.56%
Earnings Yield	7.99%
FCF Yield	19.85%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	6