Company: ATLCL
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0001437749-25-033947
Chunk: 144

Company: Atlanticus Holdings Corp
Filing Date: 2025-11-10
Form: 10-Q
Item: Item 1
Chunk 144
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 Months Ended  
   September 30,    September 30,  
   2025    2024    2025    2024  
 Revenue and other income:                 
 Consumer loans, including past due fees  $341,163  $255,389  $865,168  $728,112 
 Fees and related income on earning assets   123,575   78,572   296,201   185,983 
 Other revenue   30,554   16,993   72,616   42,674 
 Total operating revenue and other income   495,292   350,954   1,233,985   956,769 
 Other non-operating (loss) income   (616)  270   20   1,184 
 Total revenue and other income   494,676   351,224   1,234,005   957,953 
                 
 Interest expense   (75,464)  (42,492)  (176,678)  (115,503)
 Provision for credit losses   (1,549)  (4,633)  (3,999)  (9,323)
 Changes in fair value of loans   (276,851)  (203,739)  (671,973)  (549,161)
 Net margin   140,812   100,360   381,355   283,966 
                 
 Operating expenses:                 
 Salaries and benefits   (18,196)  (12,299)  (47,080)  (37,584)
 Card and loan servicing   (39,024)  (28,069)  (105,261)  (82,589)
 Marketing and solicitation   (35,301)  (14,848)  (80,584)  (38,848)
 Depreciation and amortization   (1,491)  (656)  (3,173)  (1,963)
 Other   (14,321)  (7,202)  (31,764)  (24,272)
 Total operating expenses   (108,333)