Welcome to our dedicated page for Atlanticus Holdings SEC filings (Ticker: ATLC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Credit-loss tables, layered fee schedules, and complex receivable roll-forwards make Atlanticus Holdings Corp’s SEC documents a tough read. If you have ever skimmed their 10-K only to miss how non-prime charge-offs moved the allowance, you know the challenge.
Stock Titan solves that problem by pairing real-time EDGAR feeds with AI-powered summaries that translate every Atlanticus filing into plain English. Need the Atlanticus quarterly earnings report 10-Q filing before the market opens? We surface revenue drivers, provision changes, and segment yield shifts in seconds. Want instant alerts on Atlanticus Form 4 insider transactions real-time? Our dashboard flags each executive stock move and links it to the underlying credit-performance narrative. From the Atlanticus 8-K material events explained to a Atlanticus proxy statement executive compensation table, you get context, not clutter.
Here’s what professionals track most inside Atlanticus disclosures:
- Charge-off rates and receivables growth pulled from the Atlanticus annual report 10-K simplified
- Quarter-over-quarter APR and fee trends via our Atlanticus earnings report filing analysis
- Director and officer activity through Atlanticus insider trading Form 4 transactions & Atlanticus executive stock transactions Form 4
Each document arrives with concise “What it means” sections for understanding Atlanticus SEC documents with AI—saving hours and helping you act on credit-quality signals fast. All filing types, all in one place, all explained simply.
Atlanticus Holdings Corporation completed a definitive acquisition of Mercury Financial LLC through its subsidiary Mercury Finance Acquisitions, LLC, adding approximately 1.3 million credit card accounts and about $3.2 billion in credit card receivables. The initial purchase price was approximately $162 million, funded with the Companys cash on hand and subject to customary post-closing adjustments based on adjusted net asset value.
The Purchase Agreement provides the Seller an opportunity to receive earn-out payments over up to three years equal to 75% of the amount by which managed receivables charge-offs are below agreed-upon levels. The Purchaser obtained buy-side representations and warranties insurance to cover material breaches subject to policy limits, exclusions and deductibles. The agreement also includes customary indemnities and post-closing restrictive covenants limiting solicitation of certain employees.
Atlanticus Holdings Corporation completed a private offering of $400,000,000 aggregate principal amount of 9.750% Senior Notes due 2030. The company intends to use net proceeds to repay balances under its recourse warehouse facilities, for general corporate purposes including funding future portfolio and business acquisitions and to fund partial or full repayment of its 6.125% Senior Notes due 2026, and to pay offering fees and expenses. The Notes bear interest at 9.750% payable semi-annually on March 1 and September 1 beginning March 1, 2026, are senior unsecured and are unconditionally guaranteed by certain domestic subsidiaries. The Indenture includes customary redemption provisions, a make-whole premium for redemptions prior to September 1, 2027, an equity-tender redemption feature (up to 40% at 109.750% prior to September 1, 2027), a 101% repurchase on a Change of Control, customary covenants limiting certain indebtedness, dividends, liens and other actions, and customary events of default.
Insider sale reported by Deal W. Hudson, a director of Atlanticus Holdings Corp (ATLC). On 08/13/2025 Mr. Hudson sold 2,000 shares of ATLC common stock in multiple trades at prices ranging from $62.14 to $62.64, with a weighted average sale price of $62.39. After the transactions he beneficially owns 61,092 shares, held directly. The Form 4 provides an undertaking to supply trade-by-trade quantities on request. This disclosure is a routine Section 16 filing showing a small block sale by an insider while retaining a materially larger stake.
Atlanticus Holdings Corporation (ATLC) filed a Form 144 reporting a proposed sale of 2,000 common shares through Merrill Lynch (Atlanta). The filing lists an aggregate market value of $124,789.30 for the shares and shows 15,125,449 common shares outstanding, indicating the proposed sale represents a very small fraction of total equity.
The shares were acquired on 12/16/2018 upon vesting of a stock award from Atlanticus Holdings Corporation and are described as a compensatory payment. The filing gives an approximate sale date of 08/13/2025. No other securities sales in the past three months were reported and no additional material terms or conditions are disclosed in the notice.
Atlanticus Holdings (ATLC) posted strong top- and bottom-line growth for Q2-25. Operating revenue climbed 25% YoY to $393.8 million, driven by higher consumer loan and fee income. Net income attributable to common shareholders rose 58% to $28.4 million, lifting diluted EPS to $1.51 versus $0.99. For the first six months, revenue increased 22% to $739.3 million and diluted EPS reached $3.00, up 44% YoY.
Portfolio expansion continues. Loans carried at fair value advanced 14% year-to-date to $3.00 billion, while total assets grew to $3.64 billion. Shareholders’ equity improved 14% to $563.3 million, but leverage also rose: notes payable expanded 12% to $2.47 billion and senior notes outstanding reached $308.3 million after new issuances.
Cash flow and cost trends. Operating cash inflow was $264.3 million; heavy loan originations pushed investing outflows to $520.4 million, partially funded by $894.7 million of new borrowings. Interest expense jumped 42% YoY to $53.7 million and marketing costs nearly doubled, reflecting higher funding and acquisition costs. The effective tax rate increased to 24.4% from 15.6%. Charge-offs and fair value write-downs totaled $216.8 million, consistent with the company’s sub-prime focus. Management notes product repricing following the April 2025 court decision vacating the CFPB late-fee rule.
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