{"scope": "industry", "title": "Credit Services", "sector": "Financial Services", "industry": "Credit Services", "intelligence": {"score": 51, "label": "Balanced insider tape", "tone": "neutral", "stance": "Wait for clearer clustering", "brief": "Acquisition and disposal evidence is mixed after low-information compensation and derivative activity is separated out.", "confidence": 95, "confidence_label": "Deep evidence", "filings": 745, "companies": 33, "insiders": 211, "signal_events": 426, "acquisition_events": 103, "disposal_events": 323, "acquisition_share": 24.2, "disposal_share": 75.8, "acquisition_value": 54055285.2721, "disposal_value": 280039575.82, "net_value": -225984290.5479, "acquisition_value_label": "$54.1M", "disposal_value_label": "$280.0M", "net_value_label": "-$226.0M", "data_quality": 65, "priced_common_share": 61, "latest_date": "2026-09-10", "latest_signal_date": "2026-09-10", "oldest_date": "2026-06-18", "evidence_classes": [{"key": "common_equity", "label": "Common equity", "count": 549, "bar_width": 100.0}, {"key": "equity_award", "label": "Equity compensation", "count": 89, "bar_width": 16.2}, {"key": "derivative", "label": "Options and derivatives", "count": 77, "bar_width": 14.0}, {"key": "other", "label": "Other securities", "count": 30, "bar_width": 5.5}], "roles": [{"label": "Other executive", "count": 372, "bar_width": 100.0}, {"label": "Director", "count": 146, "bar_width": 39.2}, {"label": "Other or unspecified", "count": 69, "bar_width": 18.5}, {"label": "CEO and chair", "count": 67, "bar_width": 18.0}, {"label": "Finance leadership", "count": 46, "bar_width": 12.4}, {"label": "Large holder", "count": 45, "bar_width": 12.1}], "supports": ["103 distinct acquisition events survive duplicate and security-type controls.", "Participation spans 211 named insiders rather than one filing source.", "The latest qualifying evidence is fresh, dated 10 Sep 2026."], "risks": ["Qualifying disposal events outnumber acquisitions, although disposals receive a lower directional weight."]}, "timeline": [{"start": "2026-06-29", "label": "29 Jun", "acquisitions": 60, "disposals": 78, "qualified_acquisitions": 33, "qualified_disposals": 66, "total": 138, "height": 100.0, "acquisition_height": 43.5, "disposal_height": 56.5}, {"start": "2026-07-06", "label": "06 Jul", "acquisitions": 3, "disposals": 6, "qualified_acquisitions": 3, "qualified_disposals": 5, "total": 9, "height": 6.5, "acquisition_height": 33.3, "disposal_height": 66.7}, {"start": "2026-07-13", "label": "13 Jul", "acquisitions": 8, "disposals": 26, "qualified_acquisitions": 3, "qualified_disposals": 19, "total": 34, "height": 24.6, "acquisition_height": 23.5, "disposal_height": 76.5}, {"start": "2026-07-20", "label": "20 Jul", "acquisitions": 1, "disposals": 4, "qualified_acquisitions": 1, "qualified_disposals": 3, "total": 5, "height": 3.6, "acquisition_height": 20.0, "disposal_height": 80.0}, {"start": "2026-07-27", "label": "27 Jul", "acquisitions": 6, "disposals": 26, "qualified_acquisitions": 2, "qualified_disposals": 20, "total": 32, "height": 23.2, "acquisition_height": 18.8, "disposal_height": 81.2}, {"start": "2026-08-03", "label": "03 Aug", "acquisitions": 32, "disposals": 57, "qualified_acquisitions": 16, "qualified_disposals": 41, "total": 89, "height": 64.5, "acquisition_height": 36.0, "disposal_height": 64.0}, {"start": "2026-08-10", "label": "10 Aug", "acquisitions": 31, "disposals": 24, "qualified_acquisitions": 6, "qualified_disposals": 18, "total": 55, "height": 39.9, "acquisition_height": 56.4, "disposal_height": 43.6}, {"start": "2026-08-17", "label": "17 Aug", "acquisitions": 32, "disposals": 44, "qualified_acquisitions": 8, "qualified_disposals": 38, "total": 76, "height": 55.1, "acquisition_height": 42.1, "disposal_height": 57.9}, {"start": "2026-08-24", "label": "24 Aug", "acquisitions": 30, "disposals": 47, "qualified_acquisitions": 9, "qualified_disposals": 23, "total": 77, "height": 55.8, "acquisition_height": 39.0, "disposal_height": 61.0}, {"start": "2026-08-31", "label": "31 Aug", "acquisitions": 47, "disposals": 75, "qualified_acquisitions": 14, "qualified_disposals": 38, "total": 122, "height": 88.4, "acquisition_height": 38.5, "disposal_height": 61.5}, {"start": "2026-09-07", "label": "07 Sep", "acquisitions": 6, "disposals": 8, "qualified_acquisitions": 6, "qualified_disposals": 4, "total": 14, "height": 10.1, "acquisition_height": 42.9, "disposal_height": 57.1}, {"start": "2026-09-14", "label": "14 Sep", "acquisitions": 0, "disposals": 0, "qualified_acquisitions": 0, "qualified_disposals": 0, "total": 0, "height": 0.0, "acquisition_height": 0, "disposal_height": 0}], "peers": [{"label": "Banks - Diversified", "score": 70, "confidence": 78}, {"label": "Insurance - Diversified", "score": 67, "confidence": 75}, {"label": "Insurance - Property & Casualty", "score": 58, "confidence": 94}, {"label": "Mortgage Finance", "score": 58, "confidence": 80}, {"label": "Banks - Regional", "score": 57, "confidence": 95}, {"label": "Insurance Brokers", "score": 54, "confidence": 87}, {"label": "Asset Management", "score": 53, "confidence": 94}, {"label": "Credit Services", "score": 51, "confidence": 95}, {"label": "Insurance - Reinsurance", "score": 49, "confidence": 78}, {"label": "Insurance - Life", "score": 48, "confidence": 96}, {"label": "Insurance - Specialty", "score": 44, "confidence": 91}, {"label": "Financial Conglomerates", "score": 43, "confidence": 75}, {"label": "Capital Markets", "score": 42, "confidence": 94}, {"label": "Financial Data & Stock Exchanges", "score": 29, "confidence": 93}], "leaders": {"constructive": [{"symbol": "OPFI", "name": "OppFi Inc", "score": 82, "confidence": 91}, {"symbol": "ECPG", "name": "Encore Capital Group Inc", "score": 78, "confidence": 67}, {"symbol": "AGM", "name": "Federal Agricultural Mortgage Corporation", "score": 76, "confidence": 81}, {"symbol": "AGM-A", "name": "Federal Agricultural Mortgage Corporation", "score": 76, "confidence": 81}, {"symbol": "RM", "name": "Regional Management Corp", "score": 72, "confidence": 87}, {"symbol": "CPSS", "name": "Consumer Portfolio Services Inc", "score": 67, "confidence": 85}, {"symbol": "ALLY", "name": "Ally Financial Inc", "score": 62, "confidence": 58}, {"symbol": "V", "name": "Visa Inc. Class A", "score": 60, "confidence": 93}], "cautious": [{"symbol": "PMTS", "name": "CPI Card Group Inc", "score": 12, "confidence": 81}, {"symbol": "PYPL", "name": "PayPal Holdings Inc", "score": 12, "confidence": 87}, {"symbol": "COF", "name": "Capital One Financial Corporation", "score": 12, "confidence": 91}, {"symbol": "FOA", "name": "Finance of America Companies Inc", "score": 14, "confidence": 80}, {"symbol": "SOFI", "name": "SoFi Technologies Inc.", "score": 17, "confidence": 67}, {"symbol": "ATLCP", "name": "Atlanticus Holdings Corp Preferred", "score": 17, "confidence": 67}, {"symbol": "ATLC", "name": "Atlanticus Holdings Corporation", "score": 17, "confidence": 67}, {"symbol": "FCFS", "name": "FirstCash Inc", "score": 17, "confidence": 69}], "active": [{"symbol": "CACC", "name": "Credit Acceptance Corporation", "score": 38, "confidence": 78}, {"symbol": "MA", "name": "Mastercard Inc", "score": 34, "confidence": 98}, {"symbol": "OPFI", "name": "OppFi Inc", "score": 82, "confidence": 91}, {"symbol": "CPSS", "name": "Consumer Portfolio Services Inc", "score": 67, "confidence": 85}, {"symbol": "AFRM", "name": "Affirm Holdings Inc", "score": 41, "confidence": 90}, {"symbol": "V", "name": "Visa Inc. Class A", "score": 60, "confidence": 93}, {"symbol": "PYPL", "name": "PayPal Holdings Inc", "score": 12, "confidence": 87}, {"symbol": "PMTS", "name": "CPI Card Group Inc", "score": 12, "confidence": 81}]}, "method": "Group reads measure breadth and conviction across controlled company-level insider evidence; they are classifications, not forecasts."}