ATLC on Nasdaq
Atlanticus Holdings Corp
American personal credit institutions company, incorporated in Georgia1
In its 2026 annual report the company says: “Atlanticus is a financial technology company powering more inclusive financial solutions for Everyday Americans. We provide technology and other support services to lenders who offer an array of financial products and services to consumers.”4 It is headquartered in Atlanta, Georgia.1 Its shares trade on Nasdaq under the symbol ATLC.1
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Last updated Oct 21, 2026.
Overview
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- TickerATLC on Nasdaq1
- IndustryPersonal Credit Institutions1
- HeadquartersAtlanta, Georgia1
- Incorporated inGA2
- Business addressFive Concourse Parkway, Suite 300, Atlanta, Ga 303282
- Filer categoryAccelerated filer2
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A general discussion of our business follows. For additional information about our business, please visit our website at www.Atlanticus.com . Information contained on or available through our website is not incorporated by reference in this Report.4 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Merchant Fees brought in 47% of the revenue Atlanticus Holdings Corp broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Merchant Fees | $144.3M | $197.2M |
| Other Revenue | $60.4M | $112.4M |
| Service Charges and Other Customer Related Fees, Other Revenue | $30.9M | $56.1M |
| Interchange Revenues, Other Revenue | $19.3M | $32.4M |
| Servicing Income, Other Revenue | $10.1M | $24.0M |
Business segments
Credit and Other Investments brought in 98% of the revenue Atlanticus Holdings Corp broke down this way in fiscal 2025.
Business segments by year
| Business segments | 2024 | 2025 |
|---|---|---|
| Credit and Other Investments | $1.3B | $1.9B |
| Auto Finance | $42.3M | $39.7M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Cost of revenue8¢$160.8M
- Other costs68¢$1.3B
- Interest15¢$301.9M
- Income tax2¢$39.1M
- Profit6¢$122.2M
Out of $2.0B in revenue.5
Where each dollar of operating cash went, fiscal 2025
- Share buybacks11¢$69.6M
- Kept or used elsewhere89¢$568.4M
Out of $638.0M of cash from operations.5
Financial statements
Every line of the income statement as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Consumer loans, including past due fees | $1.4B | $979.8M |
| Fees and related income on earning assets | $452.3M | $269.8M |
| Other revenue | $112.4M | $60.4M |
| Total operating revenue and other income | $2.0B | $1.3B |
| Other non-operating income | $39.0K | $1.5M |
| Total revenue and other income | $2.0B | $1.3B |
| Interest expense | -$301.9M | -$160.2M |
| Provision for credit losses | -$6.2M | -$16.4M |
| Increase (Decrease) in Fair Value of Loans and Fees Receivable Recorded at Fair Value | -$1.1B | -$733.5M |
| Net margin | $557.2M | $401.4M |
| Salaries and benefits | -$69.6M | -$50.1M |
| Card and loan servicing | -$160.8M | -$118.4M |
| Marketing and solicitation | -$113.3M | -$56.2M |
| Depreciation | -$5.8M | -$2.7M |
| Other | -$48.0M | -$35.4M |
| Total operating expenses | -$397.5M | -$262.9M |
| Income before income taxes | $159.7M | $138.6M |
| Income tax expense | -$39.1M | -$28.5M |
| Net income | $120.6M | $110.1M |
| Net loss attributable to noncontrolling interests | $1.6M | $1.2M |
| Net income attributable to controlling interests | $122.2M | $111.3M |
| Preferred stock and preferred unit dividends and discount accretion | -$10.4M | -$23.9M |
| Net income attributable to common shareholders | $111.8M | $87.4M |
| Net income attributable to common shareholders per common sharebasic (in dollars per share) | $7.40 | $5.92 |
| Net income attributable to common shareholders per common sharediluted (in dollars per share) | $5.96 | $4.77 |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 3 fiscal years (annual) or 3 quarters (quarterly), latest first.5
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, interest and fees receivable, at fair value | $6.6B | $2.6B | |
| Loans at amortized cost, net (including $4.1 million and $4.9 million of allowance for credit losses at December 31, 2025 and December 31, 2024, respectively; and $20.1 million and $19.8 million of deferred revenue at December 31, 2025 and December 31, 2024, respectively) | $82.9M | $84.3M | |
| Property at cost, net of depreciation | $12.6M | $10.5M | |
| Intangible assets, net (Note 3) | $30.3M | $0 | |
| Operating lease right-of-use assets | $15.1M | $13.9M | |
| Prepaid expenses and other assets | $67.0M | $32.1M | |
| Total assets | $7.6B | $3.3B | |
| Accounts Payable and Accrued Liabilities | $284.5M | $72.1M | |
| Operating lease liabilities | $25.3M | $24.2M | |
| Senior notes, net | $698.6M | $281.6M | |
| Income tax liability | $152.1M | $114.1M | |
| Total liabilities | $7.0B | $2.7B | |
| Common stock, no par value, 150,000,000 shares authorized: 14,922,462 and 14,904,192 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | $0 | $0 | |
| Paid-in capital | $102.3M | $98.3M | |
| Retained earnings | $506.4M | $394.6M | |
| Total shareholders equity attributable to Atlanticus Holdings Corporation | $608.7M | $492.9M | |
| Noncontrolling interests | -$4.9M | -$3.5M | |
| Total equity | $603.8M | $489.4M | $392.4M |
| Total liabilities, shareholders' equity and temporary equity | $7.6B | $3.3B | |
| Unrestricted cash and cash equivalents | $621.1M | $375.4M | |
| Restricted cash and cash equivalents | $146.3M | $124.2M | |
| Allowance for credit losses | $4.1M | $4.9M | |
| Deferred revenue | $20.1M | $19.8M | |
| Notes payable, at face value | $5.8B | $2.2B | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, authorized (in shares) | 150.0M shares | 150.0M shares | |
| Common stock, issued (in shares) | 14.9M shares | 14.9M shares | |
| Common stock, outstanding (in shares) | 14.9M shares | 14.9M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans, interest and fees receivable, at fair value | $6.6B | $2.6B | |
| Loans at amortized cost, net (including $4.1 million and $4.9 million of allowance for credit losses at December 31, 2025 and December 31, 2024, respectively; and $20.1 million and $19.8 million of deferred revenue at December 31, 2025 and December 31, 2024, respectively) | $82.9M | $84.3M | |
| Property at cost, net of depreciation | $12.6M | $10.5M | |
| Intangible assets, net (Note 3) | $30.3M | $0 | |
| Operating lease right-of-use assets | $15.1M | $13.9M | |
| Prepaid expenses and other assets | $67.0M | $32.1M | |
| Total assets | $7.6B | $3.3B | |
| Accounts Payable and Accrued Liabilities | $284.5M | $72.1M | |
| Operating lease liabilities | $25.3M | $24.2M | |
| Senior notes, net | $698.6M | $281.6M | |
| Income tax liability | $152.1M | $114.1M | |
| Total liabilities | $7.0B | $2.7B | |
| Common stock, no par value, 150,000,000 shares authorized: 14,922,462 and 14,904,192 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | $0 | $0 | |
| Paid-in capital | $102.3M | $98.3M | |
| Retained earnings | $506.4M | $394.6M | |
| Total shareholders equity attributable to Atlanticus Holdings Corporation | $608.7M | $492.9M | |
| Noncontrolling interests | -$4.9M | -$3.5M | |
| Total equity | $603.8M | $489.4M | $392.4M |
| Total liabilities, shareholders' equity and temporary equity | $7.6B | $3.3B | |
| Unrestricted cash and cash equivalents | $621.1M | $375.4M | |
| Restricted cash and cash equivalents | $146.3M | $124.2M | |
| Allowance for credit losses | $4.1M | $4.9M | |
| Deferred revenue | $20.1M | $19.8M | |
| Notes payable, at face value | $5.8B | $2.2B | |
| Common stock, par value (in dollars per share) | $0 | $0 | |
| Common stock, authorized (in shares) | 150.0M shares | 150.0M shares | |
| Common stock, issued (in shares) | 14.9M shares | 14.9M shares | |
| Common stock, outstanding (in shares) | 14.9M shares | 14.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 2 fiscal years, latest first.5
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $120.6M | $110.1M |
| Depreciation, amortization and accretion, net | $9.9M | $5.2M |
| Provision for credit losses | $6.2M | $16.4M |
| Deferred income tax expense | $38.7M | $30.5M |
| Income from accretion of discount associated with Loans at amortized cost, net | -$27.2M | -$25.3M |
| Income from merchant fees associated with Loans at fair value | -$197.2M | -$144.3M |
| Changes in fair value of loans | $1.1B | $733.5M |
| Change in bank partner fees carried at fair value | $5.8M | $1.4M |
| Amortization of debt issuance costs | $18.5M | $11.8M |
| Stock-based compensation costs | $4.3M | $3.9M |
| Decrease in lease liability | -$3.5M | -$3.0M |
| Increase in uncollected fees on earning assets | -$446.9M | -$269.9M |
| Increase (decrease) in income tax liability | -$584.0K | -$2.3M |
| Increase in accounts payable and accrued expenses | $29.5M | $2.5M |
| Other | -$23.2M | -$1.1M |
| Net cash provided by operating activities | $638.0M | $469.4M |
| Proceeds from recoveries on charged off receivables | $71.5M | $44.1M |
| Investments in earning assets | -$4.4B | -$2.6B |
| Proceeds from earning assets | $2.9B | $1.8B |
| Acquisition of Mercury (net of cash acquired) | -$72.9M | $0 |
| Purchases and development of property | -$5.0M | -$1.8M |
| Net cash used in investing activities | -$1.5B | -$747.0M |
| Noncontrolling interests contributions | $268.0K | $53.0K |
| Noncontrolling interests distributions | $0 | -$148.0K |
| Proceeds from issuance of common stock | $11.6M | $7.1M |
| Proceeds from issuance of Series B preferred stock, net of issuance costs | $6.2M | $1.1M |
| Preferred stock and preferred unit dividends | -$12.4M | -$25.7M |
| Proceeds from exercise of stock options | $1.4M | $984.0K |
| Purchase and retirement of outstanding stock and preferred units | -$69.6M | -$52.7M |
| Proceeds from issuance of Senior notes, net of issuance costs | $425.6M | $135.3M |
| Proceeds from borrowings | $3.5B | $894.0M |
| Repayment of borrowings | -$2.7B | -$566.2M |
| Net cash provided by financing activities | $1.1B | $393.6M |
| Net increase in cash and cash equivalents and restricted cash and cash equivalents | $267.8M | $116.0M |
| Cash paid for interest | $268.4M | $145.7M |
| Cash paid for income taxes, net of refunds | $1.0M | $229.0K |
| Accretion of discount associated with issuance of subsidiary equity | $0 | $250.0K |
| Decrease in accrued and unpaid preferred stock and preferred unit dividends | -$2.0M | -$2.1M |
| Cash assumed upon acquisition of Mercury | $93.7M | $0 |
No quarter-by-quarter statement was filed.
Corporate structure
Atlanticus Holdings Corp sits at the top of its group. 44 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Atlanticus Holdings Corp
- Wellington Management Company Filed SCHEDULE 13G/A on Atlanticus Holdings Corp, latest Aug 13, 2026 (2 filings since May 15, 2026)
- David G. Hanna Filed SCHEDULE 13D/A on Atlanticus Holdings Corp, latest Jul 6, 2026 (5 filings since Feb 16, 2022)
- Frank J. Hanna Iii. Filed SCHEDULE 13D/A on Atlanticus Holdings Corp, latest Dec 20, 2024 (2 filings since Nov 16, 2022)
- Jeffrey A. Howard Filed SC 13D/A on Atlanticus Holdings Corp, latest Sep 15, 2023 (2 filings since Feb 10, 2022)
- JPMorgan Chase Filed SC 13G/A on Atlanticus Holdings Corp, latest Feb 3, 2022
- Atlanticus Holdings Corp Atlanta, Georgia
- 58DH, LLC Subsidiary · Georgia, United States
- AABA Argos, LLC Subsidiary · Florida, United States
- AAMG, LLC Subsidiary · Georgia, United States
- Access Financial Holdings, LLC Subsidiary · Georgia, United States
- Access Financing LLC Subsidiary · Georgia, United States
- Account Services, LLC Subsidiary · Georgia, United States
- Account Servicing Associates, LLC Subsidiary · Georgia, United States
- Agea Capital, LLC Subsidiary · Nevada, United States
- Apex Funding, LLC Subsidiary · Georgia, United States
- Atlanticus Services Corporation Subsidiary · Georgia, United States
- BH-PIC Holdings LLC Subsidiary · Georgia, United States
- CAR Financial Services Guam Inc. Subsidiary · Guam
- CAR Financial Services Inc. Subsidiary · Georgia, United States
- CAR Funding II Inc. Subsidiary · Nevada, United States
- CARS Acquisition LLC Subsidiary · Georgia, United States
- CC Serve Corporation Subsidiary · Georgia, United States
- CCFC Corp. Subsidiary · Nevada, United States
- CIAC Corporation Subsidiary · Nebraska, United States
- Consumer Auto Receivables Servicing LLC Subsidiary · Georgia, United States
- Curae Finance, LLC Subsidiary · Georgia, United States
- Express Financial LLC Subsidiary · Georgia, United States
- Fortiva Financial LLC Subsidiary · Georgia, United States
- Fortiva Funding LLC Subsidiary · Georgia, United States
- Fortiva Funding V LLC Subsidiary · Georgia, United States
- Fortiva Funding VI, LLC Subsidiary · Georgia, United States
- and 18 more
Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Atlanticus Holdings Corp reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $25.4M5 Dec 31, 2025 | $19.9M5 Dec 31, 2024 | +27.6% |
| Accumulated depreciation | $12.8M5 Dec 31, 2025 | $9.3M5 Dec 31, 2024 | +36.5% |
| Property and equipment, net | $12.6M5 Dec 31, 2025 | $10.5M5 Dec 31, 2024 | +19.7% |
| Operating-lease assets (leased space) | $15.1M5 Dec 31, 2025 | $13.9M5 Dec 31, 2024 | +8.8% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Cash and cash equivalents | $621.1M5 Dec 31, 2025 | $375.4M5 Dec 31, 2024 | +65.4% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Intangible assets, net (excluding goodwill) | $30.3M5 Dec 31, 2025 | $05 Dec 31, 2024 | |
| Finite-lived intangibles, net | $30.3M5 Dec 31, 2025 |
Properties, in its own words
We currently lease 99,257 square feet of office space in Atlanta, Georgia for our executive offices and the primary operations of our CaaS segment. We have sub-leased 3,100 square feet of this office space. Our Auto Finance segment principally operates from 2,670 square feet of leased office space in Lake Mary, Florida, with additional offices and branch locations in various states and territories. As part of our recent acquisition of Mercury, we assumed two separate operating leases for offices in Wilmington, Delaware and Austin, Texas. The leases cover approximately 30,000 square feet. We believe that our facilities are suitable to our business and that we will be able to lease or purchase additional facilities as our needs, if any, require.
Item 2 of the 10-K filed Mar 12, 2026.4
Leadership
Who has led Atlanticus Holdings Corp, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
- Chief executive officerJeffrey A. Howard Apr 21, 2021 to now13
- Chief executive officerDavid G. Hanna May 24, 2010 to Jan 13, 202114
- ChairDavid G. Hanna May 24, 2010 to now14
- PresidentJeffrey A. Howard Apr 1, 2014 to now15
- PresidentRichard R. House Jr. May 24, 2010 to Sep 20, 201216
- PresidentKrishnakumar Srinivasan Dec 23, 2009 to Feb 17, 201017
- Chief financial officerWilliam McCamey Jan 10, 2014 to now18
- Chief financial officerJ. Paul Whitehead Iii. Mar 12, 2010 to Sep 20, 201219
- Chief operating officerRichard W. Gilbert Jan 21, 2010 to Aug 24, 201820
Board members and other officers (14)
- Chief Accounting OfficerMitchell Saunders Jan 10, 2014 to now21
- OfficerWilliam McCamey Apr 14, 2014 to Nov 20, 201422
- Board memberWilliam Brinkley Dickerson May 7, 2026 to now23
- Board memberBlake Paulson May 8, 2026 to now24
- Board memberDenise M. Harrod Feb 4, 2021 to now25
- Board memberJoann G. Jones Feb 4, 2021 to now26
- Board memberJeffrey A. Howard Apr 1, 2014 to now15
- Board memberDeal W. Hudson Jan 6, 2010 to now27
- Board memberGregory J. Corona Jan 6, 2010 to Apr 21, 201128
- Board memberMack F. Mattingly Jan 6, 2010 to now29
- Board memberNicholas B. Paumgarten Jan 6, 2010 to Jan 6, 201030
- Board memberThomas G. Rosencrants Jan 6, 2010 to Jan 3, 202231
- Board memberRichard W. Gilbert Jan 21, 2010 to Apr 21, 201120
- Board memberRichard R. House Jr. May 24, 2010 to Sep 20, 201216
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- 58DH, LLC Georgia3
- AABA Argos, LLC Florida3
- AAMG, LLC Georgia3
- Access Financial Holdings, LLC Georgia3
- Access Financing LLC Georgia3
- Account Services, LLC Georgia3
- Account Servicing Associates, LLC Georgia3
- Agea Capital, LLC Nevada3
- Apex Funding, LLC Georgia3
- Atlanticus Services Corporation Georgia3
- BH-PIC Holdings LLC Georgia3
- CAR Financial Services Guam Inc. Guam3
- CAR Financial Services Inc. Georgia3
- CAR Funding II Inc. Nevada3
- CARS Acquisition LLC Georgia3
- CC Serve Corporation Georgia3
- CCFC Corp. Nevada3
- CIAC Corporation Nebraska3
- Consumer Auto Receivables Servicing LLC Georgia3
- Curae Finance, LLC Georgia3
- Express Financial LLC Georgia3
- FRC Funding Corporation Nevada3
- FRCP Funding Corporation Nevada3
- Fortiva Financial LLC Georgia3
All 43 listed subsidiaries
- Fortiva Funding LLC Georgia3
- Fortiva Funding V LLC Georgia3
- Fortiva Funding VI, LLC Georgia3
- Fortiva Funding X, LLC Georgia3
- Fortiva Funding XI, LLC Georgia3
- Fortiva Holdings LLC Georgia3
- Fortiva Retail Services, LLC Georgia3
- Imagine Retail Services, LLC Georgia3
- Latitude 0091, LLC Florida3
- Mercury Finance Acquisitions, LLC Georgia3
- Mercury Financial Transferor, LLC Delaware3
- Mercury Financial, LLC Delaware3
- Mobile Tech Investments, LLC Nevada3
- Ochotiva, LLC Georgia3
- Perimeter Funding Corporation Nevada3
- Perimeter Investment Enterprises, LLC Georgia3
- Polygon Servicing LLC Georgia3
- Portfolio Investments Corporation Nevada3
- Receivables Funding, LLC Georgia3
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Former names
- CompuCredit Holdings CorpMay 22, 2009 to Nov 30, 20122
Timeline
- Oct 6, 20268-K Other events32
- Sep 17, 20268-K Other events33
- May 13, 20268-K Shareholder vote34
- Nov 28, 20258-K Financial statements and exhibits35
- Sep 17, 20258-K Entered a material agreement; Regulation FD disclosure36
- Aug 20, 20258-K Entered a material agreement; New debt or obligation37
- May 13, 20258-K Shareholder vote38
- Aug 26, 20248-K Entered a material agreement; New debt or obligation39
- Jul 29, 20248-K Entered a material agreement; New debt or obligation; Other events40
- Jul 23, 20248-K Results of operations; Regulation FD disclosure; Other events41
- May 13, 20248-K Shareholder vote42
- Apr 5, 20248-K Change of auditor43
- Apr 21, 2021New chief executive Jeffrey A. Howard becomes CEO13
- May 24, 2010New chief executive David G. Hanna becomes CEO14
Calendar
Coming up
- Nov 9, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $1.48 a share, on Nov 10, 2025.44
When it reported results
- Jul 23, 2024Reported quarterly or annual results41
- Jan 24, 2024Reported quarterly or annual results45
- Nov 8, 2023Reported quarterly or annual results46
- Aug 9, 2023Reported quarterly or annual results47
- Mar 15, 2023Reported quarterly or annual results48
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
260 filings to the SEC since October 2021: 7 annual reports, 16 quarterly reports, 26 major events, 124 insider forms, 12 large holders, 75 other. The latest 20:
- Oct 6, 20268-K EDGAR
- Sep 17, 20268-K EDGAR
- Aug 17, 20264 EDGAR
- Aug 13, 2026SCHEDULE 13G/A EDGAR
- Aug 6, 202610-Q EDGAR
- Jul 8, 20264 EDGAR
- Jul 7, 20264 EDGAR
- Jul 6, 2026SCHEDULE 13D/A EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 1, 2026144 EDGAR
- Jul 1, 2026144 EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
- Jul 1, 20264 EDGAR
- Jun 30, 2026144 EDGAR
- Jun 30, 2026144 EDGAR
- Jun 30, 2026144 EDGAR
- Jun 30, 2026144 EDGAR
- Jun 29, 2026144 EDGAR
The 260 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
52 open-market trades by officers, directors and large owners since October 2021: 5 buys and 47 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Jul 1, 2026 | HANNA FRANK J III10% owner | Sale | 15,676 | $104.26 | $1.6M | Form 4 |
| Jul 1, 2026 | HANNA DAVID GExecutive Chairman | Sale | 15,676 | $104.26 | $1.6M | Form 4 |
| Jun 30, 2026 | McCamey WilliamChief Financial Officer | Sale | 10,000 | $103.01 | $1.0M | Form 4 |
| Jun 30, 2026 | Howard Jeffrey A.President & CEO | Sale | 10,000 | $103.01 | $1.0M | Form 4 |
| Jun 30, 2026 | HANNA FRANK J III10% owner | Sale | 8,319 | $103.08 | $857.5K | Form 4 |
| Jun 30, 2026 | HANNA DAVID GExecutive Chairman | Sale | 8,319 | $103.08 | $857.5K | Form 4 |
| Jun 29, 2026 | HANNA FRANK J III10% owner | Sale | 1,005 | $105.00 | $105.5K | Form 4 |
| Jun 29, 2026 | HANNA DAVID GExecutive Chairman | Sale | 1,005 | $105.00 | $105.5K | Form 4 |
| Jun 29, 2026 | Saunders MitchellChief Accounting Officer | Sale | 10,000 | $102.20 | $1.0M | Form 4 |
| Jun 26, 2026 | McCamey WilliamChief Financial Officer | Sale | 10,000 | $109.45 | $1.1M | Form 4 |
| Jun 26, 2026 | Howard Jeffrey A.President & CEO | Sale | 10,000 | $109.45 | $1.1M | Form 4 |
| Jan 13, 2026 | HUDSON DEAL WDirector | Sale | 1,675 | $59.72 | $100.0K | Form 4 |
| Aug 13, 2025 | HUDSON DEAL WDirector | Sale | 2,000 | $62.39 | $124.8K | Form 4 |
| Mar 24, 2025 | HUDSON DEAL WDirector | Sale | 2,400 | $52.39 | $125.7K | Form 4 |
| Nov 22, 2024 | Saunders MitchellChief Accounting Officer | Sale | 16,004 | $55.55 | $889.0K | Form 4 |
| Nov 18, 2024 | Harrod Denise MDirector | Sale | 359 | $49.00 | $17.6K | Form 4 |
| Nov 15, 2024 | HUDSON DEAL WDirector | Sale | 613 | $48.98 | $30.0K | Form 4 |
| Nov 15, 2024 | Harrod Denise MDirector | Sale | 1,141 | $49.00 | $55.9K | Form 4 |
| Sep 16, 2024 | HUDSON DEAL WDirector | Sale | 2,500 | $31.35 | $78.4K | Form 4 |
| Sep 5, 2024 | HUDSON DEAL WDirector | Sale | 1,200 | $32.75 | $39.3K | Form 4 |
All 52 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- Wellington Management CompanySCHEDULE 13G/A, 2 filings May 15, 2026 to Aug 13, 202649
- David G. HannaSCHEDULE 13D/A, 5 filings Feb 16, 2022 to Jul 6, 202650
- Frank J. Hanna Iii.SCHEDULE 13D/A, 2 filings Nov 16, 2022 to Dec 20, 202451
- Jeffrey A. HowardSC 13D/A, 2 filings Feb 10, 2022 to Sep 15, 202352
- JPMorgan ChaseSC 13G/A, 1 filing Feb 3, 202253
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | David G. Hanna | 61 | $600.0K | $2.6M54 |
| 2025 | Jeffrey A. Howard | 56 | $850.0K | $2.1M54 |
| 2025 | William R. McCamey | 56 | $750.0K | $1.7M54 |
| 2024 | Executive Chairman of the Board | $600.0K | $2.3M54 | |
| 2024 | Chief Financial Officer | $750.0K | $1.4M54 | |
| 2024 | President and Chief Executive Officer | $850.0K | $354 | |
| 2023 | Executive Chairman of the Board | $600.0K | $2.1M54 | |
| 2023 | President and Chief Executive Officer | $850.0K | $2.0M54 | |
| 2023 | Chief Financial Officer | $750.0K | $1.6M54 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Atlanticus Holdings Corp is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARAtlanticus Holdings Corp1
- CIK0001464343
- Employer ID (EIN)58-23366894
- Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
- Incorporated inGeorgia4
- Fiscal year endsDecember 311
- Industry code (SIC)6141 Personal Credit Institutions1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business addressFive Concourse Parkway, Suite 300, Atlanta, GA 303281
- Phone770-828-20001
- Shares outstanding15,170,038 as of Aug 1, 202611
- Public float$292.1M as of Jun 30, 20254
- AuditorDeloitte & Touche LLP, Atlanta, GA PCAOB ID 34; it also attests to the company’s internal control over financial reporting4
- On EDGAR sinceMay 22, 20091
- Filings725 in all: 4 (313), 8-K (76), 10-Q (52), 144 (29), CORRESP (28), SC 13G/A (26), UPLOAD (25), 10-K (17)1
All 41 form types
DEF 14A (17), SC TO-I/A (16), 3 (13), 424B5 (12), ARS (10), S-8 POS (9), ABS-15G (6), SC 13D/A (6), SC 13G (6), SC TO-I (6), 4/A (5), 5 (5), 8-K/A (5), S-8 (5), FWP (4), SC 13D (4), 8-A12B (3), CERT (3), CT ORDER (3), EFFECT (3), SCHEDULE 13D/A (3), 10-K/A (2), PRE 14A (2), S-3 (2), 10-Q/A (1), 305B2 (1), 424B3 (1), 8-K12G3 (1), DEFA14A (1), NT 10-Q (1), S-4 (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)
- Latest filingsAnnual report (10-K) Mar 12, 2026
Quarterly report (10-Q) Aug 6, 2026
Proxy statement (DEF 14A) Apr 10, 2026
Latest 8-K (8-K) Oct 6, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common stock, no par value per share | ATLC | NASDAQ |
| 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share | ATLCP | NASDAQ |
| 6.125% Senior Notes due 2026 | ATLCL | NASDAQ |
| 9.25% Senior Notes due 2029 | ATLCZ | NASDAQ |
From the cover page of the 10-K filed Mar 12, 2026 (Section 12(b) of the Exchange Act).4
Risk factors and legal proceedings
The risks Atlanticus Holdings Corp names in Item 1A of its 10-K filed Mar 12, 2026: 7 risks under these headings, as written.4
- Our Cash Flows and Net Income Are Dependent Upon Payments from Our Investments in Receivables
- We Are Substantially Dependent Upon Borrowed Funds to Fund Receivables We Purchase
- Our Financial Performance Is, in Part, a Function of the Aggregate Amount of Receivables That Are Outstanding
- We Operate in a Heavily Regulated Industry
- Our Automobile Lending Activities Involve Risks in Addition to Others Described Herein
- We Routinely Explore Various Opportunities to Grow Our Business, to Make Investments and to Purchase and Sell Assets
- Failure to realize the expected benefits of our acquisition of Mercury could adversely affect our business and the value of our securities.
- Risks Related to Our Financial Reporting and Accounting
- Other Risks of Our Business
- We operate in a highly competitive industry, and our inability to compete successfully would materially and adversely affect our business, results of operations, financial condition, and future prospects.
- Risks Relating to an Investment in Our Securities
- Note Regarding Risk Factors
Legal proceedings
We are involved in various legal proceedings that are incidental to the conduct of our business. There are currently no pending legal proceedings that are expected to be material to us.
The opening of Item 3, Legal Proceedings.4
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14
- 15SEC EDGARJeffrey A. Howard, President
- 16SEC EDGARRichard R. House Jr., President
- 17SEC EDGARKrishnakumar Srinivasan, President
- 18
- 19
- 20
- 21
- 22SEC EDGARWilliam McCamey, Officer
- 23
- 24SEC EDGARBlake Paulson, Board member
- 25SEC EDGARDenise M. Harrod, Board member
- 26SEC EDGARJoann G. Jones, Board member
- 27SEC EDGARDeal W. Hudson, Board member
- 28SEC EDGARGregory J. Corona, Board member
- 29SEC EDGARMack F. Mattingly, Board member
- 30SEC EDGARNicholas B. Paumgarten, Board member
- 31SEC EDGARThomas G. Rosencrants, Board member
- 32SEC EDGAROther events
- 33SEC EDGAROther events
- 34SEC EDGARShareholder vote
- 35SEC EDGARFinancial statements and exhibits
- 36
- 37
- 38SEC EDGARShareholder vote
- 39
- 40
- 41
- 42SEC EDGARShareholder vote
- 43SEC EDGARChange of auditor
- 44NasdaqNasdaq calendar
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- 49
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