Company: ATLCL
Filing Date: 2025-08-07
Form Type: 10-Q
Source: 0001437749-25-025502
Chunk: 133

Company: Atlanticus Holdings Corp
Filing Date: 2025-08-07
Form: 10-Q
Item: Item 1
Chunk 133
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2025    2024    2025    2024  
 Revenue and other income:                 
 Consumer loans, including past due fees  $276,350  $242,349  $524,005  $472,723 
 Fees and related income on earning assets   94,285   59,506   172,626   107,411 
 Other revenue   23,185   13,786   42,062   25,681 
 Total operating revenue and other income   393,820   315,641   738,693   605,815 
 Other non-operating income   343   382   636   914 
 Total revenue and other income   394,163   316,023   739,329   606,729 
                 
 Interest expense   (53,684)  (37,948)  (101,214)  (73,011)
 Provision for credit losses   (1,382)  (1,746)  (2,450)  (4,690)
 Changes in fair value of loans   (216,777)  (186,251)  (395,122)  (345,422)
 Net margin   122,320   90,078   240,543   183,606 
                 
 Operating expenses:                 
 Salaries and benefits   (13,381)  (11,973)  (28,884)  (25,285)
 Card and loan servicing   (34,085)  (27,698)  (66,237)  (54,520)
 Marketing and solicitation   (24,949)  (13,572)  (45,283)  (24,000)
 Depreciation   (885)  (653)  (1,682)  (1,307)
 Other   (8,874)  (7,579)  (17,443)  (17,070)
 Total operating expenses   (82,174)  (61,475)  (159,529)  (122,182)
 Income before income taxes   40,146   28,603