Company: ATLCL
Filing Date: 2025-03-31
Form Type: 10-K/A
Source: 0001437749-25-009919
Chunk: 22

Company: Atlanticus Holdings Corp
Filing Date: 2025-03-31
Form: 10-K/A
Chunk 22
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| Charge-offs on loans at fair value |     | $                                | 213.1 |   |     | $       | 201.5 |   |     | $       | 217.0 |   |     | $       | 231.7 |   |     | $       | 215.2 |   |     | $       | 173.5 |   |     | $       | 180.0 |   |     | $       | 191.9 |   |
| Finance charge-offs (1)            |     |                                  | (64.9 | ) |     |         | (60.6 | ) |     |         | (62.9 | ) |     |         | (63.7 | ) |     |         | (59.5 | ) |     |         | (47.1 | ) |     |         | (54.2 | ) |     |         | (61.7 | ) |
| Combined principal net charge-offs |     | $                                | 148.2 |   |     | $       | 140.9 |   |     | $       | 154.1 |   |     | $       | 168.0 |   |     | $       | 155.7 |   |     | $       | 126.4 |   |     | $       | 125.8 |   |     | $       | 130.2 |   |

(1) Finance charge-offs are included as a component of our Changes in fair value of loans in the accompanying consolidated statements of income.

Our delinquency and charge-off data at any point in time reflect the credit performance of our managed receivables. The average age of the accounts underlying our receivables, the timing and size of receivable purchases, the success of our collection and recovery efforts and 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