Company: ATLCL
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001437749-25-025502
Chunk: 68

Company: Atlanticus Holdings Corp
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 8
Chunk 68
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 general economic conditions all affect our delinquency and charge-off rates. The average age of the accounts underlying our portfolios of receivables also affects the stability of our delinquency and loss rates. Our strategy for managing delinquency and receivables losses consists of account management throughout the life of the receivable. This strategy includes credit line management and pricing based on the risks. See also our discussion of collection strategy under "Collection Strategy" in Item 1, "Business" of our Annual Report on Form 10-K for the year ended December 31, 2024.

The following table presents the delinquency trends of the receivables we manage within our CaaS segment, as well as charge-off data and other non-GAAP managed receivables statistics (in thousands; percentages of total): 

      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 
      
     $
     3,046,477

     $
     2,706,264

     $
     2,724,782

     $
     2,654,112

      30-59 days past due 
      
     $
     100,472

     3.3
     %
      
     $
     89,132

     3.3
     %
      
     $
     104,022

     3.8
     %
      
     $
     106,303

     4.0
     %

      60-89 days past due 
      
     $
     85,611

     2.8
     %
      
     $
     84,559

     3.1
     %
      
     $
     97,953

     3.6
     %
      
     $
     96,673

     3.6
     %

      90 or more days past due 
      
     $
     210,925

     6.9