For the quarter ending 2025-09-30, ATLC had $42,702K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 24,588 | 61,412 |
| Depreciation, amortization and accretion, net | 2,490 | 3,287 |
| Provision for credit losses | 1,549 | 2,450 |
| Deferred income tax expense | 7,800 | 19,418 |
| Income from accretion of discount associated with loans at amortized cost, net | 6,837 | 13,409 |
| Income from merchant fees associated with loans at fair value | -54,610 | -96,123 |
| Changes in fair value of loans | -276,851 | -395,122 |
| Change in bank partner fees carried at fair value | -1,690 | -2,135 |
| Amortization of debt issuance costs | -5,449 | -8,088 |
| Stock-based compensation costs | 920 | 1,818 |
| Decrease in lease liability | 748 | 1,530 |
| Other | - | 13,722 |
| Increase in uncollected fees on earning assets | 121,922 | 144,630 |
| Increase (decrease) in income tax liability | 235 | -659 |
| Increase (decrease) in accounts payable and accrued expenses | 9,276 | - |
| Other | -53,001 | 40,603 |
| Net cash provided by operating activities | 107,452 | 264,260 |
| Proceeds from recoveries on charged off receivables | 15,081 | 32,221 |
| Investments in earning assets | 1,129,044 | 1,549,730 |
| Proceeds from earning assets | 679,976 | 1,001,912 |
| Acquisition of new subsidiary | 72,863 | - |
| Purchases and development of property | 58 | 4,822 |
| Net cash used in investing activities | -506,908 | -520,419 |
| Noncontrolling interests contributions | 0 | 78 |
| Noncontrolling interests distributions | 0 | 0 |
| Proceeds from issuance of common stock | 0 | 11,589 |
| Proceeds from issuance of series b preferred stock, net of issuance costs | 2,298 | 3,470 |
| Preferred stock and preferred unit dividends | 2,299 | 7,831 |
| Proceeds from exercise of stock options | 157 | 405 |
| Purchase and retirement of outstanding stock and preferred units | 25 | 53,161 |
| Proceeds from issuance of senior notes, net of issuance costs | 393,059 | 25,282 |
| Proceeds from borrowings | 536,779 | 894,686 |
| Repayment of borrowings | 487,811 | 634,760 |
| Net cash provided by financing activities | 442,158 | 239,758 |
| Net increase in cash and cash equivalents and restricted cash and cash equivalents | 42,702 | -16,401 |
| Cash and cash equivalents at beginning of period | 499,636 | - |
| Cash and cash equivalents at end of period | 525,937 | - |
Atlanticus Holdings Corp (ATLC)
Atlanticus Holdings Corp (ATLC)