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	May '26 May 28, 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	5,858	4,736	5,656	6,671	6,052	9,728
Market Cap Growth	1.15%	-16.26%	-15.21%	10.23%	-37.79%	64.42%
Enterprise Value	12,111	5,824	6,647	7,668	6,855	10,530
Last Close Price	560.00	443.46	469.46	532.73	474.40	687.68
PE Ratio	13.80	12.19	23.61	24.23	12.07	11.55
Forward PE	11.16	11.01	13.48	15.53	10.89	14.45
PS Ratio	4.49	2.78	4.20	5.72	4.48	5.27
PB Ratio	3.81	3.11	3.23	3.80	3.73	5.33
P/TBV Ratio	4.19	3.39	3.35	3.95	3.98	6.07
P/FCF Ratio	5.44	4.50	4.98	5.56	4.90	9.16
P/OCF Ratio	5.43	4.49	4.97	5.54	4.89	9.10
EV/Sales Ratio	9.49	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	11.51	5.53	5.85	6.39	5.55	9.92
Debt / Equity Ratio	0.72	0.71	0.57	0.57	0.49	0.44
Debt / EBITDA Ratio	42.53	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	0.72	0.71	0.57	0.57	0.50	0.44
Net Debt / EBITDA Ratio	42.53	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	0.20	0.19	0.16	0.16	0.19	0.25
Return on Equity (ROE)	29.85%	25.90%	14.15%	16.94%	31.08%	46.44%
Earnings Yield	7.92%	8.20%	4.23%	4.13%	8.29%	8.66%
FCF Yield	18.38%	22.23%	20.09%	17.99%	20.42%	10.92%
Buyback Yield / Dilution	8.55%	6.56%	4.16%	4.51%	15.38%	10.23%
Total Shareholder Return	8.55%	6.56%	4.16%	4.51%	15.38%	10.23%

Updated May 5, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q