Company: ATLCL
Filing Date: 2025-03-31
Form Type: 10-K/A
Source: 0001437749-25-009919
Chunk: 25

Company: Atlanticus Holdings Corp
Filing Date: 2025-03-31
Form: 10-K/A
Chunk 25
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 62,969 |   |     |                                     |  4.6 | % |     | $                   |    56,698 |   |     |                                     | 4.4 | % |     | $                   |    67,486 |   |     |                                     |  5.5 | % |
| 90 or more days past due            |     | $                                                              |   168,555 |   |     |                                     | 11.5 | % |     | $                   |   145,927 |   |     |                                     | 10.6 | % |     | $                   |   114,046 |   |     |                                     | 8.9 | % |     | $                   |   134,799 |   |     |                                     | 11.1 | % |
| Average APR                         |     |                                                                |      27.4 | % |     |                                     |      |   |     |                     |      27.3 | % |     |                                     |      |   |     |                     |      27.2 | % |     |                                     |     |   |     |                     |      26.4 | % |     |                                     |      |   |
| Receivables purchased during period |     | $                                                              |   426,939 |   |     |                                     |      |   |     | $                   |   402,978 |   |     |                                     |      |   |     | $                   |   380,509 |   |     |                                     |     |   |     | $                   |   315,148 |   |     |                                     |      |   |

The following discussion relates to the tables above.

Managed receivables levels. We continue to experience overall period-over-period quarterly receivables growth with over $314.1 million in net receivables growth associated with the private label credit and general purpose credit card products offered by our bank partners from December 31, 2023 to December 31, 2024. The addition of large private label credit retail partners and ongoing purchases of receivables arising in accounts issued by our bank partners to customers of our existing retail partners helped grow our private label credit receivables by $292.4 million in the twelve months ended December 31, 2024. Our general purpose credit card receivables grew by $21.7 million during the twelve months ended December 31, 2024