Credit Acceptance Corporation
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Credit Acceptance Corporation's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 26% in 3 years, but profit fell: $24 less profit per $100 of extra sales. Lower than 87% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
−$24Sales grew 26% in 3 years, but profit fell: $24 less profit per $100 of extra sales.
Lower than 87% of Financial Services companies in United States.
Asset Productivity Ratio
+26% / +25%In 3 years sales changed by +26% while total assets changed by +25%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Credit Acceptance Corporation owes $0.82 for every $1 it owns. Net profit rose 71% in the year to Dec 2025, and shrank 8% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.3Investors pay $12.3 for every $1 of Credit Acceptance Corporation's yearly profit, lower than 53% of Financial Services companies in United States.
P/B ratio
3.65The share price is 3.65 times Credit Acceptance Corporation's book value per share, higher than 90% of Financial Services companies in United States.
Market cap
$5.8 BThe total market value of all of Credit Acceptance Corporation's shares at today's price (share price × number of shares), larger than 82% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.6 BWhat Credit Acceptance Corporation would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$153.06Net worth divided by the number of shares. The share price of $558.90 is 3.7 times this, which is the P/B above.
Return on equity (ROE)
31.9%Credit Acceptance Corporation earned 31.9% on its shareholders' money over the last year, higher than 94% of Financial Services companies in United States.
Owes vs Owns
0.82×Credit Acceptance Corporation owes $0.82 for every $1 it owns (high), lower than 51% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneCredit Acceptance Corporation does not currently pay a dividend.
Revenue growth
+7%Revenue rose 7% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
+71%Net profit rose 71% in the year to Dec 2025, and shrank 8% a year on average over 3 years.
Profit margin
18.5%Credit Acceptance Corporation keeps $19 of every $100 of revenue as net profit.
Questions
What is Credit Acceptance Corporation's P/E ratio?
Investors pay $12.3 for every $1 of Credit Acceptance Corporation's yearly profit, lower than 53% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Credit Acceptance Corporation: $5.8 B ÷ $1.6 B (30 Jun 2026) = 3.7.
What is Credit Acceptance Corporation's return on equity?
Credit Acceptance Corporation earned 31.9% on its shareholders' money over the last year, higher than 94% of Financial Services companies in United States.
How much does Credit Acceptance Corporation owe compared with what it owns?
Credit Acceptance Corporation owes $0.82 for every $1 it owns (high), lower than 51% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Credit Acceptance Corporation pay a dividend?
No. Credit Acceptance Corporation does not currently pay a dividend.
Is Credit Acceptance Corporation's revenue growing?
Revenue rose 7% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.