Here are the 10-K annual reports from AtlasClear Holdings, Inc. (ATCH) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow ATCH and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ATCH filings page.
AtlasClear Holdings, Inc. (ATCH) reported fiscal 2026 revenue of $20,052,635, up 85% from $10,856,612 in fiscal 2025, as commissions and stock-locate fees increased. Stock-locate fees were $6,780,814, compared with $287,465 a year earlier, and accounted for approximately 34% of AtlasClearing’s total revenue versus approximately 3%.
Expenses rose 89% to $29,822,951, and operating loss widened to $9,770,316 from $4,917,281. Net income was $1,962,875, down from $5,750,293, reflecting higher operating costs alongside other income that included fair-value changes in financial instruments. Cash used in operations was $6,187,135, versus $822,027 provided in fiscal 2025.
AtlasClear has agreed to acquire Commercial Bancorp for seller-elected cash and/or common stock consideration tied to adjusted book value, property value and a tax benefit. The purchase agreement makes closing subject to regulatory approvals, specified third-party consents and other conditions; the resale registration statement for shares issuable in the deal became effective June 17, 2026.
AtlasClear Holdings amended its annual report detailing the post-acquisition capital structure, debt instruments, stock-based settlements and material contingent liabilities. The company completed a 1-for-60 reverse stock split leaving 40,165,603 shares issued and outstanding at June 30, 2025 (207,585 at June 30, 2024 pre-split adjusted), and recognized earnout liabilities for acquisition-related consideration with a fair value of $11,369,000 at June 30, 2025 (down from $12,298,000). Multiple convertible and promissory notes remain outstanding including a Funicular secured note (original principal disclosed as $6,000,000 with PIK interest adjustments to $9,357,195 as of Dec 31, 2024) and a Chardan Note aggregate principal of $5,209,764. The company reported derivative liabilities related to convertible instruments and a contingent FINRA-related liability estimated at $100,000. Various issuances of shares were used to settle fees, interest, and service agreements.
AtlasClear Holdings, Inc. 10-K discloses substantial execution and financial risks tied to its planned CB Merger, integration of Wilson-Davis, and multiple financing arrangements. The company completed a reverse stock split that reduced issued and outstanding shares from 12,455,157 to 207,585 with proportional EPS adjustments and no change to total equity. Several promissory and convertible notes exist: Interest Solutions Note ($275,000 principal, 13% interest), JonesTrading Note ($375,000 principal, 13% interest, amended conversion price floor to $0.75 with 585,229 shares issued in settlement), Toppan Note ($160,025 principal, 13% interest), and a Winston & Strawn subscription agreement potentially settling up to $2,500,000 in stock and recorded as a derivative liability of $2,489,945. The filing also notes a pending Chardan litigation alleging breach of a registration rights agreement and extensive operational, regulatory, cybersecurity, concentration, and dilution risks tied to share issuances and convertible instruments.