For the year ending 2025-12-31, ATLCZ had $267,771K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 120,609 |
| Depreciation, amortization and accretion, net | 9,896 |
| Provision for credit losses | 6,235 |
| Deferred income tax expense | 38,654 |
| Income from accretion of discount associated with loans at amortized cost, net | 27,234 |
| Income from merchant fees associated with loans at fair value | -197,166 |
| Changes in fair value of loans | -1,103,055 |
| Change in bank partner fees carried at fair value | -5,830 |
| Amortization of debt issuance costs | -18,461 |
| Stock-based compensation costs | 4,295 |
| Decrease in lease liability | 3,497 |
| Increase in uncollected fees on earning assets | 446,934 |
| Increase (decrease) in income tax liability | -584 |
| Increase in accounts payable and accrued expenses | 29,507 |
| Other | -23,164 |
| Net cash provided by operating activities | 637,963 |
| Proceeds from recoveries on charged off receivables | 71,524 |
| Investments in earning assets | 4,436,183 |
| Proceeds from earning assets | 2,930,682 |
| Acquisition of mercury (net of cash acquired) | 72,863 |
| Purchases and development of property | 5,024 |
| Net cash used in investing activities | -1,511,864 |
| Noncontrolling interests contributions | 268 |
| Noncontrolling interests distributions | 0 |
| Proceeds from issuance of common stock | 11,589 |
| Proceeds from issuance of series b preferred stock, net of issuance costs | 6,246 |
| Preferred stock and preferred unit dividends | 12,433 |
| Proceeds from exercise of stock options | 1,435 |
| Purchase and retirement of outstanding stock and preferred units | 69,567 |
| Proceeds from issuance of senior notes, net of issuance costs | 425,606 |
| Proceeds from borrowings | 3,509,593 |
| Repayment of borrowings | 2,731,065 |
| Net cash provided by financing activities | 1,141,672 |
| Net increase in cash and cash equivalents and restricted cash and cash equivalents | 267,771 |
| Cash and cash equivalents and restricted cash equivalents at beginning of period | 499,636 |
| Cash and cash equivalents and restricted cash equivalents at end of period | 767,407 |
Atlanticus Holdings Corp (ATLCZ)
Atlanticus Holdings Corp (ATLCZ)