Jay D. Martin - 09 Feb 2026 Form 4 Insider Report for CREDIT ACCEPTANCE CORP (CACC)

Role: Chief Financial Officer
Signature: /s/ Jay D. Martin
Issuer symbol: CACC
Transactions as of: 09 Feb 2026
Net transactions value: -$1,222,443
Form type: 4
Filing time: 11 Feb 2026, 16:02:51 UTC
Previous filing: 03 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Martin Jay D	Chief Financial Officer	25505 WEST TWELVE MILE ROAD, SOUTHFIELD	/s/ Jay D. Martin	11 Feb 2026	0001859812

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CACC	Common Stock	Options Exercise	$1,001,820	+3,000	+11%	$333.94	30,303	09 Feb 2026	Direct
transaction	CACC	Common Stock	Sale	$1,539,660	-3,000	-9.9%	$513.22	27,303	09 Feb 2026	Direct	F1
transaction	CACC	Common Stock	Sale	$684,603	-1,340	-4.9%	$511.05	25,963	09 Feb 2026	Direct	F2

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	CACC	Employee Stock Option (right to buy)	Options Exercise	$0	-3,000	-15%	$0.000000	16,500	09 Feb 2026	Common Stock	3,000	$333.94	Direct
holding	CACC	Employee Stock Option (right to buy)						2,250	09 Feb 2026	Common Stock	2,250	$390.39	Direct

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $513.04 to $513.66, 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.
F2	The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $511.04 to $512.02, inclusive.

Content

The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $513.04 to $513.66, 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 $511.04 to $512.02, inclusive.