Company: ATLCL
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001437749-25-033947
Chunk: 172

Company: Atlanticus Holdings Corp
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 1
Chunk 172
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) is as follows:

     Three Months Ended September 30, 2025   CaaS    Auto Finance    Total  
 Revenue and other income:             
 Consumer loans, including past due fees  $331,735  $9,428  $341,163 
 Fees and related income on earning assets   122,544   1,031   123,575 
 Other revenue   30,367   187   30,554 
 Total operating revenue and other income   484,646   10,646   495,292 
 Other non-operating income   7   (623)  (616)
 Total revenue and other income   484,653   10,023   494,676 
 Interest expense   (75,007)  (457)  (75,464)
 Provision for credit losses   (555)  (994)  (1,549)
 Changes in fair value of loans   (276,851)  —   (276,851)
 Net margin   132,240   8,572   140,812 
 Operating expenses:             
 Salaries and benefits   (16,863)  (1,333)  (18,196)
 Card and loan servicing   (35,792)  (3,232)  (39,024)
 Marketing and solicitation   (35,247)  (54)  (35,301)
 Depreciation   (1,472)  (19)  (1,491)
 Other   (13,291)  (1,030)  (14,321)
 Total operating expenses   (102,665)  (5,668)  (108,333)
 Income before income taxes  $29,575  $2,904  $32,479 

     Nine Months Ended September 30, 2025   CaaS    Auto Finance    Total  
 Revenue and other income:             
 Consumer loans, including past due fees  $837,442  $27,726  $865,168 
 Fees and related income on earning assets   295,129   1,072   296,201 
 Other revenue   72,077   539   72