Company: ATLCL
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001437749-25-025502
Chunk: 157

Company: Atlanticus Holdings Corp
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 1
Chunk 157
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 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   (214)  (2,236)  (2,450)
 Changes in fair value of loans   (395,122)  —   (395,122)
 Net margin   224,533   16,010   240,543 
 Operating expenses:             
 Salaries and benefits   (26,419)  (2,465)  (28,884)
 Card and loan servicing   (59,621)  (6,616)  (66,237)
 Marketing and solicitation   (45,239)  (44)  (45,283)
 Depreciation   (1,644)  (38)  (1,682)
 Other   (15,219)  (2,224)  (17,443)
 Total operating expenses   (148,142)  (11,387)  (159,529)
 Income before income taxes  $76,391  $4,623  $81,014 
 Total assets  $3,555,841  $87,334  $3,643,175 

       12

     Three Months Ended June 30, 2024   CaaS    Auto Finance    Total  
 Revenue and other income:             
 Consumer loans, including past due fees  $232,014  $10,335  $242,349 
 Fees and related income on earning assets   59,484   22   59,506 
 Other revenue   13,582   204   13,786 
 Total operating revenue and other income   305,080   10,561   315,641 
 Other non-operating income   79   303   382 
 Total revenue and other income   305,159   10,864   316,023 
 Interest expense   (37,126)  (822)  (37