Every 10-Q that Atlanticus Holdings Corporation (ATLC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ATLC 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 ATLC filings page.
Atlanticus Holdings Corporation reported higher revenue and earnings for the six months ended June 30, 2026. Total revenue and other income were $1,423,912 thousand, compared with $739,329 thousand a year earlier, driven mainly by consumer loan growth in the Credit as a Service (CaaS) segment.
Net income attributable to common shareholders for the first half of 2026 was $89,278 thousand versus $56,297 thousand, with diluted EPS of $4.74 compared with $3.00. In the second quarter, net income attributable to common shareholders was $47,411 thousand on revenue and other income of $744,323 thousand, up from $28,351 thousand on $394,163 thousand a year earlier.
As of June 30, 2026, total assets were $7,491,770 thousand, including $6,658,748 thousand of loans at fair value and $77,731 thousand of loans at amortized cost. Total equity was $697,476 thousand, and operating cash flow for the first half of 2026 was $563,272 thousand.
Atlanticus Holdings Corporation reported strong quarterly growth, with total revenue and other income of $679.6 million for the three months ended March 31, 2026, up from $345.2 million a year earlier. The increase came mainly from higher consumer loan income and fees in its Credit as a Service segment.
Net income attributable to common shareholders rose to $41.9 million from $27.9 million, and diluted EPS increased to $2.23 from $1.49. Operating cash flow strengthened to $286.3 million, while loans at fair value were $6.45 billion and total assets were $7.47 billion as of March 31, 2026.
Atlanticus Holdings (ATLC) reported Q3 2025 results and closed the Mercury Financial acquisition. Total operating revenue was $495.3 million, up from $351.0 million a year ago, driven by higher consumer loan and fee income. Net income attributable to common shareholders was $22.7 million, or $1.21 diluted EPS ($1.50 basic). For the nine months, net income to common was $79.0 million, or $4.21 diluted EPS.
Scale expanded sharply. Total assets reached $7.08 billion at September 30, 2025, versus $3.27 billion at December 31, 2024, as loans at fair value grew to $6.35 billion. The company issued additional senior notes, taking senior notes, net, to $702.4 million and notes payable, net, to $5.33 billion.
Mercury acquisition adds near‑prime card platform. On September 11, Atlanticus acquired Mercury for approximately $166.5 million in cash, adding about 1.3 million serviced accounts, $3.2 billion in receivables, and $2.8 billion in collateralized debt. From closing through quarter‑end, Mercury contributed $49.9 million of revenue and a $7.0 million net loss. Shares outstanding were 15,141,530 as of October 31, 2025.
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.