ATLC CEO exercises 1,000 options at $15.30; holds 613,949 shrs

Atlanticus Holdings (ATLC): President & CEO and Director Jeffrey A. Howard reported an option exercise on 11/07/2025 (Form 4, code M).

Rhea-AI Filing Summary

Atlanticus Holdings (ATLC): President & CEO and Director Jeffrey A. Howard reported an option exercise on 11/07/2025 (Form 4, code M). He acquired 1,000 shares of common stock at an exercise price of $15.30 per share. Following the transaction, his directly held common stock totaled 613,949 shares. The employee stock option covered 1,000 underlying shares and showed 0 derivative securities remaining afterward. The option vested in three equal installments on November 11, 2021, 2022, and 2023, with an expiration date of 11/11/2025.

Insider Trade Summary

1,000 shares exercised/converted

Exercise 2 txns

Insider Howard Jeffrey A.

Role President & CEO

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

Holdings After Transaction: Employee Stock Option (right to buy) — 0 contracts (Direct); Common Stock — 613,949 shares (Direct)

Footnotes (1)

1. F1. 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 CEO report on Form 4?

He exercised 1,000 options on 11/07/2025, acquiring common stock at $15.30 per share.

How many ATLC shares does the insider hold after the transaction?

Directly held common stock totaled 613,949 shares after the transaction.

What was the exercise price of the options?

The employee stock option had an exercise price of $15.30 per share.

How many derivative securities remained after the exercise?

The Form 4 shows 0 derivative securities remaining from that option position.

When did the option vest and when does it expire?

It vested in three equal installments on 11/11/2021, 11/11/2022, and 11/11/2023, and expires on 11/11/2025.

What roles does the reporting person hold at ATLC (ticker ATLC)?

He is a Director and Officer, serving as President & CEO.

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

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Accepted by SEC EDGAR 11/12/2025 - 05:00 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^*

Howard Jeffrey A.

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

3. Date of Earliest Transaction (Month/Day/Year)
11/07/2025

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	11/07/2025		M		1,000	A	$15.3	613,949	D

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	11/07/2025		M			1,000	(1)	11/11/2025	Common Stock	1,000	$0	0	D

Explanation of Responses:

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

	/s/ Jeffrey A. Howard	11/12/2025
	** 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.