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Cash Flow
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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
86,000
Depreciation, amortization and accretion, net
5,076
5,070
4,119
5,777
Provision for credit losses
1,038
1,600
2,236
3,999
Deferred income tax expense
16,191
14,227
11,436
27,218
Income from accretion of discount associated with loans at amortized cost, net
7,225
7,003
6,988
20,246
Income from merchant fees associated with loans at fair value
-55,362
-32,250
-46,433
-150,733
Changes in fair value of loans
-396,280
-365,524
-431,082
-671,973
Change in bank partner fees carried at fair value
-817
9,603
-2,005
-3,825
Amortization of debt issuance costs
-8,300
-4,689
-4,924
-13,537
Stock-based compensation costs
2,804
1,393
1,557
2,738
Decrease in lease liability
1,293
1,276
1,219
2,278
Increase in uncollected fees on earning assets
174,320
90,923
180,382
266,552
Increase (decrease) in income tax liability
-240
2,098
-160
-424
Increase in accounts payable and accrued expenses
21,158
-3,575
20,231
9,276
Other
13,982
-8,203
-10,766
-12,398
Net cash provided by operating activities
276,927
286,345
266,251
371,712
Proceeds from recoveries on charged off receivables
29,115
21,270
24,222
47,302
Investments in earning assets
1,695,351
1,363,738
1,757,409
2,678,774
Proceeds from earning assets
1,297,074
1,291,504
1,248,794
1,681,888
Acquisition of mercury (net of cash acquired)
-
-
0
72,863
Purchases and development of property
68
250
144
4,880
Net cash used in investing activities
-369,230
-51,214
-484,537
-1,027,327
Noncontrolling interests contributions
60
3
190
78
Noncontrolling interests distributions
-
-
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
0
12
478
5,768
Preferred stock and preferred unit dividends
2,308
2,308
2,303
10,130
Proceeds from exercise of stock options
3,284
294
873
562
Purchase and retirement of outstanding stock and preferred units
55
3,831
16,381
53,186
Proceeds from issuance of senior notes, net of issuance costs
3,820
515
7,265
418,341
Proceeds from borrowings
1,523,854
543,507
2,078,128
1,431,465
Repayment of borrowings
1,595,231
736,671
1,608,494
1,122,571
Net cash (used in) provided by financing activities
-66,576
-198,479
459,756
681,916
Net decrease in cash and cash equivalents and restricted cash and cash equivalents
-158,879
36,652
241,470
26,301
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
Net income
$49,721K
Increase in accounts
payable and accrued...
$21,158K
Deferred income tax
expense
$16,191K
Other
$13,982K
Amortization of debt issuance
costs
-$8,300K
Depreciation, amortization
and accretion, net
$5,076K
Stock-based compensation
costs
$2,804K
Provision for credit
losses
$1,038K
Change in bank partner
fees carried at fair...
-$817K
Net cash provided by
operating activities
$276,927K
Canceled cashflow
$238,440K
Net decrease in cash
and cash...
-$158,879K
Canceled cashflow
$276,927K
Proceeds from earning
assets
$1,297,074K
Proceeds from recoveries
on charged off...
$29,115K
Proceeds from borrowings
$1,523,854K
Proceeds from issuance of
senior notes, net of...
$3,820K
Proceeds from exercise of
stock options
$3,284K
Noncontrolling interests
contributions
$60K
Increase in uncollected
fees on earning...
$174,320K
Income from merchant
fees associated with...
-$55,362K
Income from accretion
of discount...
$7,225K
Decrease in lease
liability
$1,293K
Increase (decrease) in
income tax liability
-$240K
Net cash used in
investing activities
-$369,230K
Canceled cashflow
$1,326,189K
Net cash (used in)
provided by financing...
-$66,576K
Canceled cashflow
$1,531,018K
Investments in earning
assets
$1,695,351K
Purchases and development
of property
$68K
Repayment of borrowings
$1,595,231K
Preferred stock and
preferred unit dividends
$2,308K
Purchase and retirement
of outstanding...
$55K
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Atlanticus Holdings Corp (ATLCP)
Atlanticus Holdings Corp (ATLCP)