Atlanticus Holdings Corp
For the period ended Sep 30, 2025. Filed Nov 10, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 10, 2025
ATLC$79.69-1.8%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 1. Condensed Consolidated Statements of Income
Condensed Consolidated Statements of Income (Unaudited)
(Dollars in thousands, except per share data)
| For the Three Months Ended · For the Nine Months Ended | ||||
|---|---|---|---|---|
| September 30, | September 30, | |||
| 2025 | 2024 | 2025 | 2024 | |
| Revenue and other income: | ||||
| Consumer loans, including past due fees | $341,163 | $255,389 | $865,168 | $728,112 |
| Fees and related income on earning assets | 123,575 | 78,572 | 296,201 | 185,983 |
| Other revenue | 30,554 | 16,993 | 72,616 | 42,674 |
| Total operating revenue and other income | 495,292 | 350,954 | 1,233,985 | 956,769 |
| Other non-operating (loss) income | (616) | 270 | 20 | 1,184 |
| Total revenue and other income | 494,676 | 351,224 | 1,234,005 | 957,953 |
| Interest expense | (75,464) | (42,492) | (176,678) | (115,503) |
| Provision for credit losses | (1,549) | (4,633) | (3,999) | (9,323) |
| Changes in fair value of loans | (276,851) | (203,739) | (671,973) | (549,161) |
| Net margin | 140,812 | 100,360 | 381,355 | 283,966 |
| Operating expenses: | ||||
| Salaries and benefits | (18,196) | (12,299) | (47,080) | (37,584) |
| Card and loan servicing | (39,024) | (28,069) | (105,261) | (82,589) |
| Marketing and solicitation | (35,301) | (14,848) | (80,584) | (38,848) |
| Depreciation and amortization | (1,491) | (656) | (3,173) | (1,963) |
| Other | (14,321) | (7,202) | (31,764) | (24,272) |
| Total operating expenses | (108,333) | (63,074) | (267,862) | (185,256) |
| Income before income taxes | 32,479 | 37,286 | 113,493 | 98,710 |
| Income tax expense | (7,891) | (8,097) | (27,493) | (19,575) |
| Net income | 24,588 | 29,189 | 86,000 | 79,135 |
| Net loss attributable to noncontrolling interests | 389 | 354 | 1,070 | 858 |
| Net income attributable to controlling interests | 24,977 | 29,543 | 87,070 | 79,993 |
| Preferred stock and preferred unit dividends and discount accretion | (2,307) | (6,316) | (8,103) | (18,916) |
| Net income attributable to common shareholders | $22,670 | $23,227 | $78,967 | $61,077 |
| Net income attributable to common shareholders per common share—basic | $1.50 | $1.58 | $5.22 | $4.15 |
| Net income attributable to common shareholders per common share—diluted | $1.21 | $1.27 | $4.21 | $3.35 |
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