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.
The Atlanticus Holdings Corporation (NASDAQ: ATLC) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures, along with AI-powered summaries that help explain key points in plain language. Atlanticus is a Georgia corporation in the consumer credit and financial technology space, and its filings with the U.S. Securities and Exchange Commission offer detailed insight into its Credit as a Service and Auto Finance operations, capital structure, and material transactions.
Through this page, users can review current reports on Form 8-K that describe significant events such as the acquisition of Mercury Financial LLC and the completion of a private offering of 9.750% Senior Notes due 2030. These filings outline transaction terms, purchase price structures, earn-out provisions, and the characteristics of new debt instruments, including guarantees, redemption features, and covenant packages.
Investors can also use this resource to locate annual reports on Form 10-K and quarterly reports on Form 10-Q, which typically contain discussions of Atlanticus’ managed receivables, revenue components, credit performance, and segment information for its Credit as a Service and Auto Finance businesses. For those monitoring ownership and compensation matters, the filings page is a gateway to proxy statements and insider transaction reports on Form 4, where applicable.
Stock Titan enhances these documents with AI-generated highlights that point out important sections, such as descriptions of securitization facilities, senior notes offerings, and acquisition agreements. Real-time updates from the SEC’s EDGAR system ensure that new Atlanticus filings appear promptly, while AI summaries help readers quickly understand how each filing relates to topics like funding strategy, portfolio growth, and risk management in the company’s consumer credit activities.
Atlanticus Holdings Corporation is asking shareholders to vote at its 2026 Annual Meeting on May 7, 2026 at its Atlanta headquarters. Shareholders will elect seven directors for terms ending at the 2027 meeting, including two new nominees, Brinkley Dickerson and Blake Paulson, alongside five incumbent directors.
The proxy describes board committee structures, independence determinations and governance policies, including a code of ethics, cybersecurity oversight and a clawback policy. It also details executive pay: in 2025 the CEO received a $850,000 salary, a $1,000,000 cash bonus and restricted stock awards, with a salary increase to $1,000,000 effective April 1, 2026.
Atlanticus Holdings Corp Chief Accounting Officer Saunders Mitchell reported routine equity compensation and related tax withholding. On March 19, 2026, Mitchell received two grants of common stock: 3,715 shares of restricted stock that will cliff vest on March 19, 2031, and 929 shares of restricted stock that will vest in three substantially equal installments on March 19, 2027, March 19, 2028, and March 19, 2029. On March 20, 2026, 70 shares of common stock were withheld at a price of $54.67 per share to satisfy tax obligations upon vesting. After these transactions, Mitchell directly owned 56,273 shares of Atlanticus common stock.
Atlanticus Holdings Corp President & CEO Howard Jeffrey A. reported routine equity compensation and related tax withholding. On March 19, he received a grant of 74,294 shares of common stock as restricted stock, at no cash cost, raising his direct holdings to 683,739 shares.
According to the footnotes, this restricted stock will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029. On March 20, 474 shares were withheld at $54.67 per share to satisfy tax obligations upon vesting, a non‑market disposition. After these transactions, he directly holds 683,265 common shares.
Atlanticus Holdings Corp Chief Financial Officer William McCamey reported routine equity-compensation activity. On March 19, 2026, he received a grant of 18,574 shares of restricted common stock, which will vest in three substantially equal installments on March 19, 2027, March 19, 2028 and March 19, 2029.
On March 20, 2026, 330 shares were withheld at $54.67 per share to satisfy tax obligations when the restricted stock vested, rather than being sold in the open market. After these transactions, he directly owns 147,410 shares, with additional indirect holdings of 585,016 shares through an LLC and 18,000 shares held by his spouse.
Atlanticus Holdings Corp Chief Accounting Officer reports small tax-related share disposition. Chief Accounting Officer Saunders Mitchell had 152 shares of Atlanticus common stock withheld on March 13, 2026 to cover tax obligations when a restricted stock award vested, based on the closing share price that day. After this tax-withholding transaction, Mitchell directly holds 51,699 shares of Atlanticus common stock. This was not an open-market sale, but a routine mechanism to satisfy tax liabilities tied to equity compensation.
Atlanticus Holdings Corp President and CEO Howard Jeffrey A. reported a routine tax-related share withholding. On March 13, 2026, 2,885 shares of common stock were withheld at a price of $47.96 per share to cover tax obligations upon vesting of a restricted stock award. After this non-market transaction, he directly holds 609,445 shares of Atlanticus common stock.
Atlanticus Holdings Corp Chief Financial Officer William McCamey reported a tax-related share withholding, not an open-market sale. On March 13, 2026, 2,018 shares of common stock were withheld at $47.96 per share to satisfy tax obligations upon the vesting of a restricted stock award.
After this withholding, McCamey directly held 129,166 common shares, with additional indirect holdings reported as 585,016 shares through an LLC and 18,000 shares held by his spouse. This reflects a routine compensation-related tax event rather than a discretionary trade in Atlanticus stock.
Atlanticus Holdings Corporation describes its business as a financial technology company that supports bank partners in providing private label and general purpose credit cards, plus auto finance, to underserved Everyday Americans using data-driven decisioning and machine learning.
The company reports two main segments, Credit as a Service and Auto Finance, and highlights significant growth in credit card receivables, including the September 2025 acquisition of Mercury Financial LLC for approximately $166.5 million in cash, which added about $3.2 billion in gross credit card receivables and 1.3 million customers. Atlanticus emphasizes fair value accounting for its card receivables, extensive risk management and collection systems, and heavy regulatory oversight. It also outlines numerous risk factors, including economic cycles, funding dependence, regulatory changes such as proposed interest rate caps, competition from major fintech and banking players, data security and AI model risks, and integration risk from the Mercury transaction.
Atlanticus Holdings Corp Chief Financial Officer William McCamey had 1,153 shares of common stock withheld to cover tax obligations tied to a restricted stock vesting. The shares were withheld at a price of $54.81 per share, according to the filing.
After this tax-withholding disposition, McCamey directly owns 131,184 Atlanticus shares. He also has indirect ownership of 585,016 shares through an LLC and 18,000 shares through his spouse. The transaction reflects routine tax settlement rather than an open-market sale.