Credit Acceptance Corporation (FRA:2D5)

Credit Acceptance Statistics

Total Valuation

FRA:2D5 has a market cap or net worth of EUR 4.39 billion.

Market Cap	4.39B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, January 30, 2026.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	11.03M
Shares Outstanding	n/a
Shares Change (YoY)	-4.79%
Shares Change (QoQ)	-2.54%
Owned by Insiders (%)	14.68%
Owned by Institutions (%)	56.06%
Float	5.75M

Valuation Ratios

The trailing PE ratio is 11.36 and the forward PE ratio is 11.54.

PE Ratio	11.36
Forward PE	11.54
PS Ratio	4.18
PB Ratio	3.27
P/TBV Ratio	3.27
P/FCF Ratio	4.73
P/OCF Ratio	4.72
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 9.73, with a Debt / Equity ratio of 4.03.

Current Ratio	9.73
Quick Ratio	9.18
Debt / Equity	4.03
Debt / EBITDA	n/a
Debt / FCF	5.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 28.14%.

Return on Equity (ROE)	28.14%
Return on Assets (ROA)	5.24%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	432,250
Profits Per Employee	159,101
Employee Count	2,431
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:2D5 has paid 124.86 million in taxes.

Income Tax	124.86M
Effective Tax Rate	24.40%

Stock Price Statistics

The stock price has decreased by -15.42% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-15.42%
50-Day Moving Average	395.84
200-Day Moving Average	421.96
Relative Strength Index (RSI)	50.86
Average Volume (20 Days)	n/a

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)	8.74

Income Statement

In the last 12 months, FRA:2D5 had revenue of EUR 1.05 billion and earned 386.77 million in profits. Earnings per share was 32.29.

Revenue	1.05B
Gross Profit	989.26M
Operating Income	512.66M
Pretax Income	511.64M
Net Income	386.77M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	32.29

Balance Sheet

The company has 13.55 million in cash and 5.43 billion in debt, giving a net cash position of -5.41 billion.

Cash & Cash Equivalents	13.55M
Total Debt	5.43B
Net Cash	-5.41B
Net Cash Per Share	n/a
Equity (Book Value)	1.35B
Book Value Per Share	121.85
Working Capital	6.49B

Cash Flow

In the last 12 months, operating cash flow was 930.29 million and capital expenditures -1.62 million, giving a free cash flow of 928.67 million.

Operating Cash Flow	930.29M
Capital Expenditures	-1.62M
Free Cash Flow	928.67M
FCF Per Share	n/a

Margins

Gross margin is 94.14%, with operating and profit margins of 48.79% and 36.81%.

Gross Margin	94.14%
Operating Margin	48.79%
Pretax Margin	48.69%
Profit Margin	36.81%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	88.38%

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	4.79%
Shareholder Yield	4.79%
Earnings Yield	8.80%
FCF Yield	21.13%

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