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Atlanticus Holdings Corp (ATLC)
Atlanticus Holdings Corp (ATLC)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from borrowings
Proceeds from earning assets
Changes in fair value of loans
Others
Negative Cash Flow Breakdown
Investments in earning assets
Repayment of borrowings
Increase in uncollected fees on ...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
49,721
44,577
34,609
24,588
Depreciation, amortization and accretion, net
5,076
5,070
4,119
2,490
Provision for credit losses
1,038
1,600
2,236
1,549
Deferred income tax expense
16,191
14,227
11,436
7,800
Income from accretion of discount associated with loans at amortized cost, net
7,225
7,003
6,988
6,837
Income from merchant fees associated with loans at fair value
-55,362
-32,250
-46,433
-54,610
Changes in fair value of loans
-396,280
-365,524
-431,082
-276,851
Change in bank partner fees carried at fair value
-817
9,603
-2,005
-1,690
Amortization of debt issuance costs
-8,300
-4,689
-4,924
-5,449
Stock-based compensation costs
2,804
1,393
1,557
920
Decrease in lease liability
1,293
1,276
1,219
748
Increase in uncollected fees on earning assets
174,320
90,923
180,382
121,922
Increase (decrease) in income tax liability
-240
2,098
-160
235
Increase in accounts payable and accrued expenses
21,158
-3,575
20,231
9,276
Other
13,982
-8,203
-10,766
-53,001
Net cash provided by operating activities
276,927
286,345
266,251
107,452
Proceeds from recoveries on charged off receivables
29,115
21,270
24,222
15,081
Investments in earning assets
1,695,351
1,363,738
1,757,409
1,129,044
Proceeds from earning assets
1,297,074
1,291,504
1,248,794
679,976
Acquisition of mercury (net of cash acquired)
-
-
0
72,863
Purchases and development of property
68
250
144
58
Net cash used in investing activities
-369,230
-51,214
-484,537
-506,908
Noncontrolling interests contributions
60
3
190
0
Noncontrolling interests distributions
-
-
0
0
Proceeds from issuance of common stock
0
0
0
0
Proceeds from issuance of series b preferred stock, net of issuance costs
0
12
478
2,298
Preferred stock and preferred unit dividends
2,308
2,308
2,303
2,299
Proceeds from exercise of stock options
3,284
294
873
157
Purchase and retirement of outstanding stock and preferred units
55
3,831
16,381
25
Proceeds from issuance of senior notes, net of issuance costs
3,820
515
7,265
393,059
Proceeds from borrowings
1,523,854
543,507
2,078,128
536,779
Repayment of borrowings
1,595,231
736,671
1,608,494
487,811
Net cash (used in) provided by financing activities
-66,576
-198,479
459,756
442,158
Net decrease in cash and cash equivalents and restricted cash and cash equivalents
-158,879
36,652
241,470
42,702
Cash and cash equivalents and restricted cash equivalents at beginning of period
804,059
767,407
525,937
499,636
Cash and cash equivalents and restricted cash equivalents at end of period
645,180
804,059
767,407
525,937
Cash and cash equivalents
555,215
-
-
-
Restricted cash and cash equivalents
89,965
-
-
-
Cash and cash equivalents, and restricted cash and cash equivalents at end of period
645,180
-
-
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Changes in fair value of
loans
-$396,280K
(-0.29%↓ Y/Y)
Net income
$49,721K
(-19.04%↓ Y/Y)
Increase in accounts
payable and accrued...
$21,158K
(-47.89%↓ Y/Y)
Deferred income tax
expense
$16,191K
(-16.62%↓ Y/Y)
Other
$13,982K
(-65.56%↓ Y/Y)
Amortization of debt issuance
costs
-$8,300K
(-2.62%↓ Y/Y)
Depreciation, amortization
and accretion, net
$5,076K
(54.43%↑ Y/Y)
Stock-based compensation
costs
$2,804K
(54.24%↑ Y/Y)
Provision for credit
losses
$1,038K
(-57.63%↓ Y/Y)
Change in bank partner
fees carried at fair...
-$817K
(61.73%↑ Y/Y)
Net cash provided by
operating activities
$276,927K
(4.79%↑ Y/Y)
Canceled cashflow
$238,440K
Net decrease in cash
and cash...
-$158,879K
(-868.72%↓ Y/Y)
Canceled cashflow
$276,927K
Proceeds from earning
assets
$1,297,074K
(29.46%↑ Y/Y)
Proceeds from recoveries
on charged off...
$29,115K
(-9.64%↓ Y/Y)
Proceeds from borrowings
$1,523,854K
(70.32%↑ Y/Y)
Proceeds from issuance of
senior notes, net of...
$3,820K
(-84.89%↓ Y/Y)
Proceeds from exercise of
stock options
$3,284K
(710.86%↑ Y/Y)
Noncontrolling interests
contributions
$60K
(-23.08%↓ Y/Y)
Increase in uncollected
fees on earning...
$174,320K
(20.53%↑ Y/Y)
Income from merchant
fees associated with...
-$55,362K
(42.41%↑ Y/Y)
Income from accretion
of discount...
$7,225K
(-46.12%↓ Y/Y)
Decrease in lease
liability
$1,293K
(-15.49%↓ Y/Y)
Increase (decrease) in
income tax liability
-$240K
(63.58%↑ Y/Y)
Net cash used in
investing activities
-$369,230K
(29.05%↑ Y/Y)
Canceled cashflow
$1,326,189K
Net cash (used in)
provided by financing...
-$66,576K
(-127.77%↓ Y/Y)
Canceled cashflow
$1,531,018K
Investments in earning
assets
$1,695,351K
(9.40%↑ Y/Y)
Purchases and development
of property
$68K
(-98.59%↓ Y/Y)
Repayment of borrowings
$1,595,231K
(151.31%↑ Y/Y)
Preferred stock and
preferred unit dividends
$2,308K
(-70.53%↓ Y/Y)
Purchase and retirement
of outstanding...
$55K
(-99.90%↓ Y/Y)
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