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Atlanticus Holdings Corp

ATLC · Financials

Last earnings Nov 28, 2025

AI analysis

Q4 2024 · reported Nov 28, 2025

Based on: Earnings release + parent 8-K/A — transcript not held

No extracted figures held

The event-summary record for this company carries no extracted figures, so the brief and charts cannot be drawn yet. The summary below and the held documents are the record for this event.

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Loans that the Company has the ability and intent to hold for the foreseeable future and loans associated with secured borrowings are classified as held for investment.

On January 31, 2024, the Company entered into a new 2024 term loan series (MFCCMT 2024-1) for $750m and a second 2024 term loan (MFCCMT 2024-2) on June 21, 2024 for $700 million.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Our responsibilities under those standards are further described in the Auditor s Responsibilities for the Audit of the Financial Statements section of our report

Based on: Earnings release + parent 8-K/A — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Loans that the Company has the ability and intent to hold for the foreseeable future and loans associated with secured borrowings are classified as held for investment.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

On January 31, 2024, the Company entered into a new 2024 term loan series (MFCCMT 2024-1) for $750m and a second 2024 term loan (MFCCMT 2024-2) on June 21, 2024 for $700 million.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

Subsequently, on October 7, 2024, the Company closed on a Variable Funding Note (VFN) under the 2024 series for $120 million, and on October 31, 2024, added a third 2024 term loan for $250 million.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

These transactions reflect the Company s proactive approach to managing its debt obligations by refinancing and reducing outstanding balances under various MFCCMT series.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

The borrowings are included in the table above.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

The Company intends to refinance or repay the borrowings prior to fully amortizing.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

Strategy & priorities

The fair value hierarchy prioritizes the inputs to valuation techniques used to measure fair value into three broad levels: Level 1 inputs : Quoted market prices (unadjusted) for identical assets or liabilities traded in active markets.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

The borrowing also contains certain financial covenants primarily focused on liquidity and tangible equity.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

Risks & headwinds

Financial Accounting Standards Board ( FASB ) Accounting Standards Codification ( ASC ) 740, Income Taxes , requires that the Company recognize the impact of a tax position that is more likely than not to be disallowed upon examination, including resolution of any appeals or litigation processes, based upon the technical merits of the position.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

Year ended December 31, 2024 December 31, 2024 Amortization of ROU Assets $ 1,117,583 $ 1,117,583 Short-term Lease Cost - 66,384 Total Lease Cost $ 1,117,583 $ 1,183,967 20 Mercury Financial LLC Notes to Consolidated Financial Statements Continued December 31, 2024 Future minimum rental commitments as of December 31, 2024 for all non-cancellable operating leases with initial or remaining terms of one year or more are: Year Ending December 31, Estimated Future Minimum Rental Commitments 2025 $ 1,197,302 2026 $ 1,148,519 2027 $ 532,193 2028 $ 44,349 Total $ 2,922,363 General Litigation The Company is subject to legal proceedings and claims in the ordinary course of business.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

In June 2025, the Company paid $5.75 million as the gross settlement amount to settle a lawsuit in the U.

SEC original ↗Atlanticus Holdings Corp — Earnings release (8-K exhibit)EX-99Nov 28, 2025

Documents

Earnings deck slides

0 decks with slide view

Atlanticus Holdings Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Atlanticus Holdings Corp — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

32 documents

Earnings releases

7 documents

Presentations

2 documents

Transcripts

0 documents

No transcripts for Atlanticus Holdings Corp are held in this edition of the library.

See also the earnings calendar for every tracked company’s next earnings date.