Financial insights of ATLC

MyFinsight

For the quarter ending 2025-09-30, ATLC made $494,676K in revenue. $22,670K in net income. Net profit margin of 4.58%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Total revenue and other income	494,676	394,163	345,166	351,224
Interest expense	75,464	53,684	47,530	42,492
Provision for credit losses	1,549	1,382	1,068	4,633
Increase (decrease) in fair value of loans and fees receivable recorded at fair value	-276,851	-216,777	-178,345	-203,739
Net margin	140,812	122,320	118,223	100,360
Salaries and benefits	18,196	13,381	15,503	12,299
Card and loan servicing	39,024	34,085	32,152	28,069
Marketing and solicitation	35,301	24,949	20,334	14,848
Depreciation	1,491	885	797	656
Other	14,321	8,874	8,569	7,202
Total operating expenses	108,333	82,174	77,355	63,074
Income before income taxes	32,479	40,146	40,868	37,286
Income tax expense	7,891	9,856	9,746	8,097
Net income	24,588	30,290	31,122	29,189
Net loss attributable to noncontrolling interests	-389	-283	-398	-354
Net income attributable to controlling interests	24,977	30,573	31,520	29,543
Preferred stock and preferred unit dividends and discount accretion	2,307	2,222	3,574	6,316
Net income attributable to common shareholders	22,670	28,351	27,946	23,227

Basic (including unvested share-based payment awards) (in shares)	15,125,000	15,124,000	15,115,000	14,740,000
Net income attributable to common shareholders per common sharebasic (in dollars per share)	1.5	1.87	1.85	1.58
Net income attributable to common shareholders per common sharediluted (in dollars per share)	1.21	1.51	1.49	1.27
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	19,195,000	19,187,000	19,185,000	18,788,000