$CACC

Watson Jill Foss sold $920K of CACC (indirect holdings)

Watson Jill Foss sold 1,436 indirectly-held shares of CREDIT ACCEPTANCE CORP (CACC) at an average of $640.52 ($640.15–$642.08, $0.92M total) across 3 trades on 2026-07-16.

Original reporting
SEC EDGAR · Watson Jill Foss
Published Jul 20, 2026, 9:02 PM UTC
Analysis
alphai AI DeskAI-generated
Added to alphai Jul 20, 2026, 9:05 PM UTC. Informational, not investment advice.
How this was made
alphai summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
alphai market briefInsider activity
Primary signal
$CACC
Neutral
medium confidence
Mentioned
$CACC
Relevance
5/10
alphai data visualization · based on SEC EDGAR
Decision brief

The 30-second read

$CACCNeutralLow
01

Why it matters

The newest concrete fact is the disclosed open-market sale of 1,436 shares at roughly $640.5 weighted average, totaling about $919,788, leaving 47,910 shares.

02

Market read

Traders may monitor for follow-on insider activity, but there is no new company performance, guidance, or deal information in the text.

03

What to watch

The filing states no pre-arranged 10b5-1 plan, but it does not provide intent or whether other holdings were adjusted; repeated filings would matter more than a single sale.

Relevance 5/10Novelty 5/10Timing: filed after-hours on 2026-07-20, covering a sale dated 2026-07-16

Background

The article is an SEC Form 4 insider transaction for Credit Acceptance Corp, reported by Watson Jill Foss as a 10% owner with indirect holdings.

Company-level read

Ticker impact

$CACCNeutralMedium confidence
Context

CACC is the issuer of the Form 4 showing Watson Jill Foss sold about $919.8K of shares via an indirect open-market sale.

Expected impact

Likely limited near-term price impact; any effect is sentiment-driven and typically fades unless repeated or paired with other disclosures.

Evidence & confidence

The filing is a primary SEC Form 4 disclosure, but it is a routine sale with no accompanying company-specific operational or guidance information.

Market effects

No sector-level implications; this is company-specific insider transaction disclosure.

None indicated.

None indicated.

Counterpoint

Insider sales can be driven by diversification, taxes, or pre-existing personal liquidity needs, so the signal may be weak.

Key entities

  • Credit Acceptance Corp

    Company whose shares were sold in the reported Form 4 insider transaction.

  • Watson Jill Foss

    10% owner reporting an indirect open-market sale of CACC shares.

Full insider trading history

This story covers one filing. See everything behind it: every insider buy and sell on record, 10b5-1 plans, late filings, and which officers and directors are trading.

Related articles

$CACCMedAI 8/10

US$600 Million ABS Deal Might Change The Case For Investing In Credit Acceptance (CACC)

Credit Acceptance (CACC) completed a $600M asset-backed financing, transferring $750.2M in loans. The deal aims to lower funding costs, with an expected annualized cost of 5.5%, and leaves $1.8B in unused borrowing capacity. The company projects $4.2B in revenue and $707.2M in earnings by 2029, requiring significant growth. Investors weigh loan performance and forecasting accuracy against the benefits of cheaper funding.

$CACCMedAI 8/10

Credit Acceptance (CACC) Q2 2026 Earnings Call Transcript

Credit Acceptance (CACC) reported Q2 2026 GAAP net income of $135.9M, up 71% YoY, and adjusted net income of $130.1M, up 10%. Consumer loan assignments were 84,615 (-1% YoY) while active dealers rose to 11,004 (+3.3%). Liquidity was $1.4B and it repurchased $141.4M of shares. Prepayments slowed forecasted cash timing.

$CACCMedAI 8/10

Credit Acceptance (CACC) Q2 2026 Earnings Call Transcript

Credit Acceptance (CACC) reported Q2 2026 GAAP net income of $135.9 million, up 71% year over year, and adjusted net income of $130.1 million, up 10%. Liquidity was $1.4 billion. Active dealers rose to 11,004, and July unit volume grew over 20% year over year. The company also reported $141.4 million in share repurchases.

$CACCMed

Credit Acceptance’s Q2 Earnings Call: Our Top 5 Analyst Questions

Credit Acceptance (CACC) reported Q2 revenue of $415M versus $471.8M estimates, with adjusted EPS of $12.12 versus $11.85. Management attributed margin expansion (operating margin 40.6% vs 28.9% a year earlier) to pricing, segmentation, and efficiency changes. Analysts asked about collections forecast reductions, prepayment headwinds, yields, unit volume drivers, and management continuity.

$CACCMed

CACC Q2 Earnings Beat as Expenses & Provisions Decline, Revenues Rise

Credit Acceptance Corporation (CACC) reported Q2 2026 adjusted EPS of $12.12, above the Zacks Consensus of $11.46. Bottom line rose 20.6% y/y. Net income was $135.9 million, or $12.66/share. GAAP revenue increased 0.6% to $587.4 million, while credit loss provisions fell 7.8% to $159.2 million and operating expenses declined 13.8% to $134.1 million.