Atlanticus Holdings Corp
For the period ended Dec 31, 2025. Filed Mar 12, 2026.
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FY2025 · Filed Mar 12, 2026
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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Consolidated Statements of Income
(Dollars in thousands, except per share data)
| For the Year Ended | ||
|---|---|---|
| December 31, | ||
| 2025 | 2024 | |
| Revenue and other income: | ||
| Consumer loans, including past due fees | $1,403,646 | $979,814 |
| Fees and related income on earning assets | 452,304 | 269,771 |
| Other revenue | 112,410 | 60,370 |
| Total operating revenue and other income | 1,968,360 | 1,309,955 |
| Other non-operating income | 39 | 1,489 |
| Total revenue and other income | 1,968,399 | 1,311,444 |
| Interest expense | (301,903) | (160,173) |
| Provision for credit losses | (6,235) | (16,368) |
| Changes in fair value of loans | (1,103,055) | (733,471) |
| Net margin | 557,206 | 401,432 |
| Operating expenses: | ||
| Salaries and benefits | (69,572) | (50,143) |
| Card and loan servicing | (160,846) | (118,400) |
| Marketing and solicitation | (113,265) | (56,186) |
| Depreciation and amortization | (5,808) | (2,715) |
| Other | (48,002) | (35,411) |
| Total operating expenses | (397,493) | (262,855) |
| Income before income taxes | 159,713 | 138,577 |
| Income tax expense | (39,104) | (28,471) |
| Net income | 120,609 | 110,106 |
| Net loss attributable to noncontrolling interests | 1,595 | 1,190 |
| Net income attributable to controlling interests | 122,204 | 111,296 |
| Preferred stock and preferred unit dividends and discount accretion | (10,408) | (23,928) |
| Net income attributable to common shareholders | $111,796 | $87,368 |
| Net income attributable to common shareholders per common share—basic | $7.40 | $5.92 |
| Net income attributable to common shareholders per common share—diluted | $5.96 | $4.77 |
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