CACC CTO reports tax withholding and 16,000-share option

Credit Acceptance Corp’s Chief Technology Officer, Ravi Mohan Valiyaveettil, reported a routine tax-related share withholding.

Rhea-AI Filing Summary

Credit Acceptance Corp’s Chief Technology Officer, Ravi Mohan Valiyaveettil, reported a routine tax-related share withholding. On January 31, 2026, 71 shares of common stock were withheld at $498.24 per share to cover taxes on vesting restricted stock units, leaving him with 27,246.62 common shares held directly.

He also directly holds an employee stock option to buy 16,000 shares of common stock at an exercise price of $424.12 per share, expiring on October 24, 2028. This option vests in four equal annual installments starting on October 24, 2023.

Insider Trade Summary

Exercise Price or Tax Liability: 71 shares

Exercise Price or Tax Liability 2 txns

Insider Valiyaveettil Ravi Mohan

Role Chief Technology Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	71	$498.24	$35K
holding	Employee Stock Option (right to buy)	--	--	--

Holdings After Transaction: Common Stock — 27,246.62 shares (Direct); Employee Stock Option (right to buy) — 16,000 contracts (Direct)

Footnotes (2)

1. F1. Shares withheld to satisfy tax withholding obligations in conjunction with the vesting of restricted stock units.
2. F2. The option vests in four equal annual installments beginning on October 24, 2023, which is the first anniversary of the date on which the option was granted.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did CACC’s CTO report on January 31, 2026?

CACC’s Chief Technology Officer, Ravi Mohan Valiyaveettil, reported that 71 shares of common stock were withheld on January 31, 2026 to satisfy tax obligations tied to vesting restricted stock units, a common non-cash administrative transaction for equity compensation.

At what price were the 71 CACC shares withheld for taxes?

The 71 Credit Acceptance Corp shares were withheld at a price of $498.24 per share. This price is used solely to value the tax-withholding event associated with the vesting of restricted stock units, not as a new open-market purchase or sale.

How many CACC shares does the CTO own after this Form 4 transaction?

After the tax-withholding transaction, the CTO beneficially owns 27,246.62 shares of Credit Acceptance Corp common stock directly. This figure reflects his updated direct holdings following the withholding of 71 shares to cover equity-related tax obligations.

What stock options does the CACC CTO hold according to this filing?

The CTO holds an employee stock option covering 16,000 shares of Credit Acceptance Corp common stock at a $424.12 exercise price. The option vests in four equal annual installments beginning October 24, 2023 and expires on October 24, 2028 if not exercised.

Was the January 31, 2026 CACC insider event a sale on the open market?

No, the Form 4 describes 71 CACC shares withheld to satisfy tax obligations from restricted stock unit vesting. This is an administrative equity-compensation event, not an open-market discretionary sale initiated by the executive.

What is the vesting schedule of the CTO’s CACC stock option?

The CTO’s option for 16,000 CACC shares vests in four equal annual installments starting October 24, 2023. Each year, one-quarter of the option becomes exercisable until full vesting, with the option expiring on October 24, 2028 if unexercised.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 02/03/2026 - 04:08 PM EST Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Valiyaveettil Ravi Mohan

(Last) (First) (Middle)

25505 WEST TWELVE MILE RD

(Street)

SOUTHFIELD MI 48034

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CREDIT ACCEPTANCE CORP [ CACC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Technology Officer

3. Date of Earliest Transaction (Month/Day/Year)
01/31/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/31/2026		F		71(1)	D	$498.24	27,246.62	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Option (right to buy)	$424.12							(2)	10/24/2028	Common Stock	16,000		16,000	D

Explanation of Responses:

1. Shares withheld to satisfy tax withholding obligations in conjunction with the vesting of restricted stock units.

2. The option vests in four equal annual installments beginning on October 24, 2023, which is the first anniversary of the date on which the option was granted.

Remarks:

	/s/ Ravi Mohan Valiyaveettil	02/03/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.