ATLC CFO exercises 1,000 options; 132,337 shares held post‑trade

Atlanticus Holdings (ATLC) reported an insider transaction by its CFO.

Rhea-AI Filing Summary

Atlanticus Holdings (ATLC) reported an insider transaction by its CFO. On 11/11/2025, the officer exercised 1,000 stock options at $15.3 per share (code M). To cover the option exercise price and taxes, 512 shares were withheld (code F) at a reported price of $51.5. Following these transactions, the officer directly owned 132,337 shares. Additional holdings were reported as 585,016 shares indirectly by an LLC and 18,000 shares indirectly by spouse.

Insights

Insider transactions analyst

Routine Form 4: option exercise with tax-share withholding.

The CFO exercised 1,000 options at $15.3 and settled part of the cost and taxes via withholding of 512 shares at a reported price of $51.5. This is a standard administrative transaction (codes M and F) rather than an open-market buy or sell.

Post-transaction direct ownership is 132,337 shares, with additional indirect stakes via an LLC and spouse. Actual market impact typically depends on subsequent trading activity; none is indicated in this excerpt.

Insider Trade Summary

1,000 shares exercised/converted

Exercise 5 txns

Insider McCamey William

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Exercise	Employee Stock Option (right to buy)	1,000	$0.00	$0.00
Exercise	Common Stock	1,000	$15.30	$15K
Exercise Price or Tax Liability	Common Stock	512	$51.50	$26K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Employee Stock Option (right to buy) — 0 contracts (Direct); Common Stock — 132,337 shares (Direct); Common Stock — 585,016 shares (Indirect, By LLC); Common Stock — 18,000 shares (Indirect, By Spouse)

Footnotes (2)

1. F1. Reflects shares of Atlanticus Holdings Corporation common stock withheld to satisfy the option exercise price and tax withholding obligations upon the exercise of the stock option.
2. F2. The stock option vested in three equal installments on November 11, 2021, November 11, 2022 and November 11, 2023.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did ATLC's CFO report on Form 4?

An exercise of 1,000 stock options at $15.3 (code M) on 11/11/2025, with 512 shares withheld (code F) to cover costs and taxes.

How many ATLC shares does the CFO own after the transaction?

Direct ownership is 132,337 shares. Indirect holdings include 585,016 shares by an LLC and 18,000 shares by spouse.

Were the shares bought or sold on the open market?

No. The filing shows an option exercise (code M) and share withholding for taxes and exercise price (code F), not an open-market trade.

What prices are disclosed in the filing?

Option exercise price of $15.3 per share and a reported price of $51.5 for the 512 withheld shares.

Who is the reporting person and role at ATLC?

The reporting person is the Chief Financial Officer of Atlanticus Holdings Corp.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 11/13/2025 - 05:44 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McCamey William

(Last) (First) (Middle)

C/O ATLANTICUS HOLDINGS CORPORATION

FIVE CONCOURSE PARKWAY, SUITE 300

(Street)

ATLANTA GA 30328

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Atlanticus Holdings Corp [ ATLC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/11/2025		M		1,000	A	$15.3	132,849	D
Common Stock	11/11/2025		F(1)		512	D	$51.5	132,337	D
Common Stock								585,016	I	By LLC
Common Stock								18,000	I	By Spouse

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Employee Stock Option (right to buy)	$15.3	11/11/2025		M			1,000	(2)	11/11/2025	Common Stock	1,000	$0	0	D

Explanation of Responses:

1. Reflects shares of Atlanticus Holdings Corporation common stock withheld to satisfy the option exercise price and tax withholding obligations upon the exercise of the stock option.

2. The stock option vested in three equal installments on November 11, 2021, November 11, 2022 and November 11, 2023.

	/s/ William McCamey	11/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.