Company: ATLCL
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001437749-25-025502
Chunk: 15

Company: Atlanticus Holdings Corp
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 8
Chunk 15
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 94,285 
 Other revenue   23,012   173   23,185 
 Total operating revenue and other income   384,478   9,342   393,820 
 Other non-operating income   6   337   343 
 Total revenue and other income   384,484   9,679   394,163 
 Interest expense   (53,162)  (522)  (53,684)
 Provision for credit losses   (189)  (1,193)  (1,382)
 Changes in fair value of loans   (216,777)  —   (216,777)
 Net margin   114,356   7,964   122,320 
 Operating expenses:             
 Salaries and benefits   (12,133)  (1,248)  (13,381)
 Card and loan servicing   (30,764)  (3,321)  (34,085)
 Marketing and solicitation   (24,912)  (37)  (24,949)
 Depreciation   (866)  (19)  (885)
 Other   (7,685)  (1,189)  (8,874)
 Total operating expenses   (76,360)  (5,814)  (82,174)
 Income before income taxes  $37,996  $2,150  $40,146 

     Six Months Ended June 30, 2025   CaaS    Auto Finance    Total  
 Revenue and other income:             
 Consumer loans, including past due fees  $505,707  $18,298  $524,005 
 Fees and related income on earning assets   172,585   41   172,626 
 Other revenue   41,710   352   42,062 
 Total operating revenue and other income   720,002   18,691   738,693 
 Other non-operating income   13   623   636 
 Total revenue and other income   720,015   19,314   739,329 
 Interest expense   (100,146)  (1,068)  (101,214)
 Provision for credit losses