Atlanticus Holdings Corp

For the period ended Dec 31, 2023. Filed Mar 4, 2024.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2023 · Filed Mar 4, 2024

ATLC$79.69-1.8%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income

(Dollars in thousands, except per share data)

	For the Year Ended
	2023	2022
Revenue:
Consumer loans, including past due fees	$879,123	$786,235
Fees and related income on earning assets	238,775	217,071
Other revenue	37,348	42,798
Total operating revenue, net	1,155,246	1,046,104
Other non-operating revenue	630	809
Total revenue	1,155,876	1,046,913
Interest expense	(109,342)	(81,851)
Provision for credit losses	(2,152)	(1,252)
Changes in fair value of loans	(689,577)	(577,069)
Net margin	354,805	386,741
Operating expenses:
Salaries and benefits	43,906	43,063
Card and loan servicing	100,620	95,428
Marketing and solicitation	52,421	62,403
Depreciation	2,560	2,175
Other	26,740	34,400
Total operating expenses	226,247	237,469
Income before income taxes	128,558	149,272
Income tax expense	(26,604)	(14,660)
Net income	101,954	134,612
Net loss attributable to noncontrolling interests	891	985
Net income attributable to controlling interests	102,845	135,597
Preferred stock and preferred unit dividends and discount accretion	(25,198)	(25,076)
Net income attributable to common shareholders	$77,647	$110,521
Net income attributable to common shareholders per common share—basic	$5.35	$7.55
Net income attributable to common shareholders per common share—diluted	$4.24	$5.83

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.