The cluster is small relative to market cap and tied to option exercises, reducing its bearish signal. However, the COO's $2.88M sale and the director's $2.30M sale are the largest insider disposals in the past 30 days. Monitor for any upcoming 8-K or earnings release that could explain the timing. The stock's 0% analyst bullish consensus suggests limited upside catalysts already priced in.
Price Chart
Executive Summary
Three CACC insiders, including the COO and a director, sold a combined $6.04M in open-market shares on May 29, 2026, at ~$575/share. All sales were preceded by same-day option exercises at $333.94, indicating a tax-efficient cash-out rather than a purely opportunistic exit, but the cluster's size (0.10% of market cap) and C-suite participation warrant attention.
Key Financial Metrics
Key Facts
- Total open-market sales of $6.04M by 3 insiders on May 29, 2026
- COO Jonathan Lum sold 5,000 shares for $2.88M, the largest single trade
- Director Kenneth Booth sold 4,000 shares for $2.30M
- CTO Nicholas Elliott sold 1,508 shares for $868K
- All sales were executed at ~$575/share, near the stock's recent range
- Each sale was paired with same-day exercise of options at $333.94, generating $3.13M in exercise proceeds
- Total cluster value of $6.04M represents ~0.10% of CACC's $5.9B market cap
- No open-market purchases were made by any insider in the cluster window
Financial Impact
Insider sales of $6.04M, or 0.10% of market cap, are modest relative to company size
Risk Factors
- Insider sales may signal management's view that the stock is fairly valued or overvalued near $575
- No insider buying to offset the selling cluster
- The company's personal credit lending business faces macro headwinds from rising consumer delinquencies
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 SEC document filed with EDGAR.
| Document | Accession Number |
|---|---|
| CLUSTER Data (Synthetic) | cluster-CACC-1780431097416 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 4d ago | Press Release | $545.04 | awaiting T+60 | — | $545.04 (−0.00%) |
Oct 6, 2026 20d ago | 144 | $536.58 | awaiting T+60 | — | $545.04 (+1.58%) |
Oct 1, 2026 26d ago | Court Ruling | $527.50 | awaiting T+60 | — | $545.04 (+3.33%) |
Sep 22, 2026 4w ago | Press Release | $555.13 | awaiting T+60 | — | $545.04 (−1.82%) |
Sep 18, 2026 5w ago | 8-K | $564.27 | awaiting T+60 | — | $545.04 (−3.41%) |
Sep 17, 2026 5w ago | Press Release | $590.41 | awaiting T+60 | — | $545.04 (−7.68%) |
Sep 15, 2026 5w ago | Press Release | $601.54 | awaiting T+60 | — | $545.04 (−9.39%) |
Sep 15, 2026 6w ago | Court Ruling | $601.54 | awaiting T+60 | — | $545.04 (−9.39%) |
Sep 4, 2026 7w ago | 8-K | $593.78 | awaiting T+60 | — | $545.04 (−8.21%) |
Aug 15, 2026 10w ago | Institutional Cluster | $573.09 | awaiting T+60 | — | $545.04 (−4.89%) |
US Market Status
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