STOCK TITAN

Credit Acceptance (CACC) CLO sells 1,903 shares and exercises options

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Credit Acceptance Corp Chief Legal Officer Erin J. Kerber reported an exercise-and-sale transaction in company stock. Kerber exercised employee stock options to acquire 1,903 shares of Common Stock at $333.94 per share, then on the same date sold 1,903 shares in multiple open-market trades at prices between $550.29 and $558.48 per share, using weighted average pricing for each trade block.

Following these transactions, Kerber directly holds about 27,613.7 Common shares and indirectly holds 240.9 shares through the company’s 401(k) Profit Sharing Plan. Kerber also retains employee stock options covering 15,500 underlying shares with a $454.11 exercise price expiring in June 2027.

Positive

  • None.

Negative

  • None.
Insider KERBER ERIN J
Role Chief Legal Officer
Sold 1,903 shs ($1.05M)
Type Security Shares Price Value
Exercise Employee Stock Option (right to buy) 1,903 $0.00 --
Exercise Common Stock 1,903 $333.94 $635K
Sale Common Stock 755 $550.29 $415K
Sale Common Stock 240 $551.68 $132K
Sale Common Stock 269 $552.54 $149K
Sale Common Stock 240 $553.98 $133K
Sale Common Stock 239 $554.74 $133K
Sale Common Stock 80 $556.30 $45K
Sale Common Stock 80 $558.48 $45K
holding Employee Stock Option (right to buy) -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Employee Stock Option (right to buy) — 10,969 shares (Direct, null); Common Stock — 27,613.7 shares (Direct, null); Common Stock — 240.9 shares (Indirect, By 401(k) Trust)
Footnotes (1)
  1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $550.00 to $550.95, inclusive. The reporting person undertakes to provide to Credit Acceptance Corporation, any security holder of Credit Acceptance Corporation, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in the footnotes to this Form 4. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $551.37 to $552.00, inclusive. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $552.47 to $552.61, inclusive. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $553.59 to $554.41, inclusive. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $554.60 to $555.27, inclusive. Held in the Credit Acceptance Stock Fund of the Credit Acceptance Corporation 401(k) Profit Sharing Plan and Trust as of May 19, 2026, according to the Plan trustee.
Shares sold 1,903 shares Common Stock sold in multiple open-market transactions on May 18, 2026
Sale price range $550.29–$558.48/share Weighted-average prices for reported Common Stock sales
Options exercised 1,903 shares at $333.94/share Employee Stock Option exercise converting into Common Stock
Direct holdings after 27,613.7 shares Common Stock directly owned following reported transactions
Indirect 401(k) holdings 240.9 shares Held in Credit Acceptance Stock Fund of 401(k) Plan as of May 19, 2026
Remaining option grant 15,500 underlying shares at $454.11 Employee Stock Option (right to buy) expiring June 28, 2027
open-market sale financial
"transaction_action: open-market sale"
An open-market sale is when a shareholder sells existing shares directly on a public exchange to any willing buyer, rather than through a private deal. Think of it like putting goods on a busy market stall where price is set by supply and demand; for investors it matters because such sales increase available supply, can put short-term downward pressure on the stock price, and signal changes in liquidity or investor confidence.
Employee Stock Option (right to buy) financial
"security_title: Employee Stock Option (right to buy)"
weighted average price financial
"The price reported in Column 4 is a weighted average price."
Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.
401(k) Profit Sharing Plan and Trust financial
"Credit Acceptance Corporation 401(k) Profit Sharing Plan and Trust as of May 19, 2026"
SEC Form 4
FORM 4UNITED 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).
X
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*
KERBER ERIN J

(Last)(First)(Middle)
25505 WEST TWELVE MILE ROAD

(Street)
SOUTHFIELD MICHIGAN 48034

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
CREDIT ACCEPTANCE CORP [ CACC ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Legal Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/18/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Common Stock05/18/2026M1,903A$333.9427,613.7D
Common Stock05/18/2026S755D$550.29(1)26,858.7D
Common Stock05/18/2026S240D$551.68(2)26,618.7D
Common Stock05/18/2026S269D$552.54(3)26,349.7D
Common Stock05/18/2026S240D$553.98(4)26,109.7D
Common Stock05/18/2026S239D$554.74(5)25,870.7D
Common Stock05/18/2026S80D$556.325,790.7D
Common Stock05/18/2026S80D$558.4825,710.7D
Common Stock240.9IBy 401(k) Trust(6)
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Employee Stock Option (right to buy)$333.9405/18/2026M1,90312/30/202412/30/2026Common Stock1,903$010,969D
Employee Stock Option (right to buy)$454.1106/28/202506/28/2027Common Stock15,50015,500D
Explanation of Responses:
1. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $550.00 to $550.95, inclusive. The reporting person undertakes to provide to Credit Acceptance Corporation, any security holder of Credit Acceptance Corporation, or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the ranges set forth in the footnotes to this Form 4.
2. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $551.37 to $552.00, inclusive.
3. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $552.47 to $552.61, inclusive.
4. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $553.59 to $554.41, inclusive.
5. The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $554.60 to $555.27, inclusive.
6. Held in the Credit Acceptance Stock Fund of the Credit Acceptance Corporation 401(k) Profit Sharing Plan and Trust as of May 19, 2026, according to the Plan trustee.
Remarks:
/s/ Erin J. Kerber05/20/2026
** Signature of Reporting PersonDate
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.
* Form 4: SEC 1474 (03-26)

FAQ

What insider activity did Credit Acceptance (CACC) disclose for Erin J. Kerber?

Credit Acceptance disclosed that Chief Legal Officer Erin J. Kerber exercised employee stock options for 1,903 shares and sold 1,903 Common shares in multiple open-market transactions. The filing details weighted-average sale prices and updated post-transaction holdings in both direct and 401(k) plan accounts.

How many Credit Acceptance (CACC) shares did Erin J. Kerber sell and at what prices?

Erin J. Kerber sold 1,903 shares of Credit Acceptance Common Stock in several open-market trades. Reported weighted-average prices for the trade blocks ranged from $550.29 to $558.48 per share, with footnotes explaining that each block consisted of multiple individual transactions within those price ranges.

What stock options did Erin J. Kerber exercise in this Credit Acceptance Form 4?

Kerber exercised employee stock options covering 1,903 underlying shares of Credit Acceptance Common Stock at a $333.94 exercise price. The corresponding derivative entry shows these options converting into Common shares, reducing the option balance while increasing directly held stock on the reported transaction date.

How many Credit Acceptance shares does Erin J. Kerber hold after the reported transactions?

After the reported transactions, Erin J. Kerber directly holds about 27,613.7 shares of Credit Acceptance Common Stock. She also has an indirect position of 240.9 shares held in the Credit Acceptance Stock Fund of the company’s 401(k) Profit Sharing Plan and Trust, according to the plan trustee.

What employee stock options does Erin J. Kerber still hold in Credit Acceptance (CACC)?

Kerber retains employee stock options described as a right to buy Credit Acceptance Common Stock. The remaining option award covers 15,500 underlying shares at a $454.11 exercise price, with an expiration date in June 2027 and direct ownership reported in the derivative holdings summary.

How are Erin J. Kerber’s 401(k) holdings in Credit Acceptance stock reported?

The filing shows an indirect holding of 240.9 Credit Acceptance shares in the Credit Acceptance Stock Fund of the company’s 401(k) Profit Sharing Plan and Trust. A footnote states this balance is reported as of May 19, 2026, based on information from the plan trustee overseeing the fund.