Nicholas J. Elliott - 09 Feb 2026 Form 4 Insider Report for CREDIT ACCEPTANCE CORP (CACC)

Role: Chief Transformation Officer
Signature: /s/ Nicholas J. Elliott
Issuer symbol: CACC
Transactions as of: 09 Feb 2026
Net transactions value: $0
Form type: 4
Filing time: 11 Feb 2026, 16:04:33 UTC
Previous filing: 03 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Elliott Nicholas J	Chief Transformation Officer	25505 WEST TWELVE MILE RD, SOUTHFIELD	/s/ Nicholas J. Elliott	11 Feb 2026	0001989445

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	CACC	Common Stock	Award	$0	+2,492	+14%	$0.000000	20,897	09 Feb 2026	Direct
holding	CACC	Common Stock						316	09 Feb 2026	By 401(k) Trust	F1

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
holding	CACC	Employee Stock Option (right to buy)						13,950	09 Feb 2026	Common Stock	13,950	$333.94	Direct

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

Explanation of Responses:

Id	Content
F1	Held in the Credit Acceptance Stock Fund of the Credit Acceptance Corporation 401(k) Profit Sharing Plan and Trust as of January 29, 2026, according to the Plan trustee.