Company: ATLCL
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001437749-25-033947
Chunk: 20

Company: Atlanticus Holdings Corp
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 8
Chunk 20
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 5,256   100,360 
 Operating expenses:             
 Salaries and benefits   (10,967)  (1,332)  (12,299)
 Card and loan servicing   (24,739)  (3,330)  (28,069)
 Marketing and solicitation   (14,813)  (35)  (14,848)
 Depreciation   (637)  (19)  (656)
 Other   (6,179)  (1,023)  (7,202)
 Total operating expenses   (57,335)  (5,739)  (63,074)
 Income (loss) before income taxes  $37,769  $(483) $37,286 

     Nine Months Ended September 30, 2024   CaaS    Auto Finance    Total  
 Revenue and other income:             
 Consumer loans, including past due fees  $697,385  $30,727  $728,112 
 Fees and related income on earning assets   185,921   62   185,983 
 Other revenue   42,052   622   42,674 
 Total operating revenue and other income   925,358   31,411   956,769 
 Other non-operating income   330   854   1,184 
 Total revenue and other income   925,688   32,265   957,953 
 Interest expense   (113,165)  (2,338)  (115,503)
 Provision for credit losses   —   (9,323)  (9,323)
 Changes in fair value of loans   (549,161)  —   (549,161)
 Net margin   263,362   20,604   283,966 
 Operating expenses:             
 Salaries and benefits   (33,748)  (3,836)  (37,584)
 Card and loan servicing   (72,409)  (10,180)  (82,589)
 Marketing and solicitation   (38,745)  (103)  (38,848)
 Depreciation   (1,908)  (