Company: ATLCL
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001437749-25-025502
Chunk: 210

Company: Atlanticus Holdings Corp
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 1
Chunk 210
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 denominator. 

      (2) 
      The Combined principal net charge-off ratio, annualized is calculated using the annualized combined principal net charge-offs as the numerator and period-end average managed receivables as the denominator. 

      (3) 
      Interest expense ratio, annualized is calculated using the annualized interest expense associated with the CaaS segment (See Note 3, "Segment Reporting" to our condensed consolidated financial statements) as the numerator and period-end average managed receivables as the denominator. 

      (4) 
      Net interest margin ratio, annualized is calculated using the Total managed yield ratio, annualized less the Combined principal net charge-off ratio, annualized less the Interest expense ratio, annualized. 

       35

The following table presents additional trends and data with respect to our private label credit and general purpose credit card receivables (dollars in thousands). Results of our legacy credit card receivables portfolios are excluded:

      Private Label Credit - At or for the Three Months Ended 

     2025

     2024

      Jun. 30 

      Mar. 31 

      Dec. 31 

      Sep. 30 

      Managed Receivables 

      % of Period-end managed receivables 

      Managed Receivables 

      % of Period-end managed receivables 

      Managed Receivables 

      % of Period-end managed receivables 

      Managed Receivables 

      % of Period-end managed receivables 

      Period-end managed receivables 
      
     $
     1,524,399

     $
     1,253,215

     $
     1,231,750

     $
     1,205,714

      30-59 days past due 
      
     $
     29,981

     2.0
     %
      
     $
     27,166

     2.2
     %
      
     $
     33,664

     2.7
     %
      
     $
     34,658

     2.9
     %

      60-89 days past due 
      
     $
     23,745

     1.6
     %
      
     $
     23,938

     1.9
     %
      
     $
     29,297

     2.4
     %
      
     $