Atlanticus Holdings Corp

For the period ended Dec 31, 2024. Filed Mar 13, 2025.

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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.

FY2024 · Filed Mar 13, 2025

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
	December 31,
	2024	2023
Revenue and other income:
Consumer loans, including past due fees	$979,814	$879,123
Fees and related income on earning assets	269,771	238,775
Other revenue	60,370	37,348
Total operating revenue and other income	1,309,955	1,155,246
Other non-operating income	1,489	630
Total revenue and other income	1,311,444	1,155,876
Interest expense	(160,173)	(109,342)
Provision for credit losses	(16,368)	(2,152)
Changes in fair value of loans	(733,471)	(689,577)
Net margin	401,432	354,805
Operating expenses:
Salaries and benefits	(50,143)	(43,906)
Card and loan servicing	(118,400)	(100,620)
Marketing and solicitation	(56,186)	(52,421)
Depreciation	(2,715)	(2,560)
Other	(35,411)	(26,740)
Total operating expenses	(262,855)	(226,247)
Income before income taxes	138,577	128,558
Income tax expense	(28,471)	(26,604)
Net income	110,106	101,954
Net loss attributable to noncontrolling interests	1,190	891
Net income attributable to controlling interests	111,296	102,845
Preferred stock and preferred unit dividends and discount accretion	(23,928)	(25,198)
Net income attributable to common shareholders	$87,368	$77,647
Net income attributable to common shareholders per common share—basic	$5.92	$5.35
Net income attributable to common shareholders per common share—diluted	$4.77	$4.24

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