{
  "symbol": "CACC",
  "company": "Credit Acceptance Corporation",
  "generated_at": "2026-06-24T07:36:46.100Z",
  "event_count": 1,
  "events": [
    {
      "type": "scout_dossier",
      "ts": "2026-05-20T20:26:28.964Z",
      "summary": "Deep investigation into CACC reveals that the recent Form 4 cluster triggering this dossier consists entirely of M+S (option-exercise + immediate sale) combinations at $333.94 strike, all covered by pre-planned Rule 10b5-1(c) trading plans — not open-market purchase intent signals from management. The May 2026 transactions represent executives liquidating vested equity compensation near the stock's all-time high ($565). One pure S (open-market sale only) was identified for CTO Ravi Valiyaveettil on 05/06, but zero P-code (direct open-market buy) trades appear in recent filings. The company is operationally strong with a 10.2x forward P/E, Q1 2026 beat, and $450M ABS deal completion, but the stock is at/near its 52-week high ($557 vs $565). No material edge was identified — no mispricing, no genuine insider conviction cluster, and limited near-term upside catalysts given elevated valuation at a cyclical peak for subprime auto.",
      "verdict": "no_anomaly",
      "confidence": 4,
      "tool_calls": 22,
      "walltime_min": 16,
      "debug_path": "dossiers/2026-05-20-CACC.scout.debug.json"
    }
  ],
  "lessons": [],
  "chart_signal": {
    "ticker": "CACC",
    "call": "BUY",
    "confidence": 5,
    "score": 6,
    "factors": {
      "above_200dma": "+2",
      "above_50dma": "+1",
      "momentum_flat": "0 (7.5%)",
      "rsi_neutral": "0 (64.1)",
      "macd_above_signal": "+1",
      "recent_macd_bullish_cross": "+1 (2d ago)",
      "near_52w_high": "+1 (0.0% from high)"
    },
    "summary": "BUY (score +6) · 12-1 mom 7.5% · RSI 64.1 · above_both · 0.0% from high",
    "last_close": 589.97,
    "one_month_ago_close": 547.98,
    "twelve_month_ago_close": 509.97,
    "twelve_one_momentum_pct": 7.45,
    "rsi_14": 64.1,
    "ma_stack": "above_both",
    "from_period_high_pct": 0,
    "period_high": 589.97,
    "price_targets": {
      "bear": 412.98,
      "fair": 555.02,
      "bull": 678.47,
      "bear_return_pct": -30,
      "fair_return_pct": -5.9,
      "bull_return_pct": 15,
      "method": "street_targets ⨯ chart_floors",
      "street": {
        "target_low": 500,
        "target_mean": 536.6667,
        "target_high": 560,
        "analyst_count": 3
      }
    },
    "generated_at": "2026-06-24T07:36:46.097Z"
  }
}