Credit Acceptance Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	4,802	4,736	5,656	6,671	6,052	9,728
Market Cap Growth	-15.35%	-16.26%	-15.21%	10.23%	-37.79%	64.42%
Enterprise Value	11,112	5,824	6,647	7,668	6,855	10,530
Last Close Price	446.77	443.46	469.46	532.73	474.40	687.68
PE Ratio	12.20	12.19	23.61	24.23	12.07	11.55
Forward PE	9.32	11.01	13.48	15.53	10.89	14.45
PS Ratio	3.86	2.78	4.20	5.72	4.48	5.27
PB Ratio	3.11	3.11	3.23	3.80	3.73	5.33
P/TBV Ratio	3.42	3.39	3.35	3.95	3.98	6.07
P/FCF Ratio	4.54	4.50	4.98	5.56	4.90	9.16
P/OCF Ratio	4.53	4.49	4.97	5.54	4.89	9.10
EV/Sales Ratio	8.97	3.42	4.93	6.58	5.07	5.70
EV/EBITDA Ratio	-	218.95	239.12	288.29	267.78	400.38
EV/FCF Ratio	10.55	5.53	5.85	6.39	5.55	9.92
Debt / Equity Ratio	0.71	0.71	0.57	0.57	0.49	0.44
Debt / EBITDA Ratio	40.90	40.90	35.66	37.50	31.38	30.50
Debt / FCF Ratio	1.03	1.03	0.87	0.83	0.65	0.76
Net Debt / Equity Ratio	0.71	0.71	0.57	0.57	0.50	0.44
Net Debt / EBITDA Ratio	40.90	40.90	35.66	37.50	31.38	30.50
Net Debt / FCF Ratio	1.03	1.03	0.87	0.83	0.65	0.76
Asset Turnover	0.19	0.19	0.16	0.16	0.19	0.25
Return on Equity (ROE)	25.90%	25.90%	14.15%	16.94%	31.08%	46.44%
Earnings Yield	8.87%	8.20%	4.23%	4.13%	8.29%	8.66%
FCF Yield	22.04%	22.23%	20.09%	17.99%	20.42%	10.92%
Buyback Yield / Dilution	14.82%	14.82%	5.26%	2.96%	12.71%	15.01%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q