For the quarter ending 2026-03-31, ATLC had $36,652K increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 44,577 | 34,609 | 24,588 | 61,412 |
| Depreciation, amortization and accretion, net | 5,070 | 4,119 | 2,490 | 3,287 |
| Provision for credit losses | 1,600 | 2,236 | 1,549 | 2,450 |
| Deferred income tax expense | 14,227 | 11,436 | 7,800 | 19,418 |
| Income from accretion of discount associated with loans at amortized cost, net | 7,003 | 6,988 | 6,837 | 13,409 |
| Income from merchant fees associated with loans at fair value | -32,250 | -46,433 | -54,610 | -96,123 |
| Changes in fair value of loans | -365,524 | -431,082 | -276,851 | -395,122 |
| Change in bank partner fees carried at fair value | 9,603 | -2,005 | -1,690 | -2,135 |
| Amortization of debt issuance costs | -4,689 | -4,924 | -5,449 | -8,088 |
| Stock-based compensation costs | 1,393 | 1,557 | 920 | 1,818 |
| Decrease in lease liability | 1,276 | 1,219 | 748 | 1,530 |
| Other | - | - | - | 13,722 |
| Increase in uncollected fees on earning assets | 90,923 | 180,382 | 121,922 | 144,630 |
| Increase in income tax liability | 2,098 | -160 | 235 | -659 |
| (decrease) increase in accounts payable and accrued expenses | -3,575 | 20,231 | 9,276 | - |
| Other | -8,203 | -10,766 | -53,001 | 40,603 |
| Net cash provided by operating activities | 286,345 | 266,251 | 107,452 | 264,260 |
| Proceeds from recoveries on charged off receivables | 21,270 | 24,222 | 15,081 | 32,221 |
| Investments in earning assets | 1,363,738 | 1,757,409 | 1,129,044 | 1,549,730 |
| Proceeds from earning assets | 1,291,504 | 1,248,794 | 679,976 | 1,001,912 |
| Acquisition of mercury (net of cash acquired) | - | 0 | 72,863 | - |
| Purchases and development of property | 250 | 144 | 58 | 4,822 |
| Net cash used in investing activities | -51,214 | -484,537 | -506,908 | -520,419 |
| Noncontrolling interests contributions | 3 | 190 | 0 | 78 |
| Noncontrolling interests distributions | - | 0 | 0 | 0 |
| Proceeds from issuance of common stock | 0 | 0 | 0 | 11,589 |
| Proceeds from issuance of series b preferred stock, net of issuance costs | 12 | 478 | 2,298 | 3,470 |
| Preferred stock and preferred unit dividends | 2,308 | 2,303 | 2,299 | 7,831 |
| Proceeds from exercise of stock options | 294 | 873 | 157 | 405 |
| Purchase and retirement of outstanding stock and preferred units | 3,831 | 16,381 | 25 | 53,161 |
| Proceeds from issuance of senior notes, net of issuance costs | 515 | 7,265 | 393,059 | 25,282 |
| Proceeds from borrowings | 543,507 | 2,078,128 | 536,779 | 894,686 |
| Repayment of borrowings | 736,671 | 1,608,494 | 487,811 | 634,760 |
| Net cash used in financing activities | -198,479 | 459,756 | 442,158 | 239,758 |
| Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents | 36,652 | 241,470 | 42,702 | -16,401 |
| Cash and cash equivalents and restricted cash equivalents at beginning of period | 767,407 | 525,937 | 499,636 | - |
| Cash and cash equivalents and restricted cash equivalents at end of period | 804,059 | 767,407 | 525,937 | - |
Atlanticus Holdings Corp (ATLC)
Atlanticus Holdings Corp (ATLC)