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Atlanticus Holdings Corporation (ATLC) investor relations material
Atlanticus Holdings Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary10 Nov, 2025
Executive summary
Achieved significant year-over-year growth in receivables, driven by both organic expansion and the acquisition of Mercury Financial LLC, which added $3.2 billion in credit card receivables and 1.3 million accounts.
Total operating revenue and other income rose to $495.3 million for Q3 2025, up from $351.0 million in Q3 2024, with net income attributable to common shareholders of $22.7 million for the quarter.
The company continues to focus on expanding its private label and general purpose credit card offerings, leveraging technology and analytics to serve near-prime and underserved consumers.
Financial highlights
Q3 2025 revenue and other income: $495.3 million, up 41% year-over-year.
Net income attributable to common shareholders: $22.7 million for Q3 2025, with diluted EPS of $1.21.
Nine-month revenue and other income: $1.23 billion, up from $957.9 million in the prior year period.
Managed receivables reached $6.6 billion at September 30, 2025, compared to $2.65 billion a year earlier.
Interest expense increased to $75.5 million in Q3 2025, reflecting higher debt levels and rates.
Outlook and guidance
Expect continued growth in general purpose credit card receivables and private label credit, with seasonal contraction in private label expected in Q4 2025.
Anticipate higher interest expense in future quarters due to additional debt financing and higher rates.
Product, policy, and pricing changes on the Mercury portfolio are expected to enhance revenue in 2026 and beyond.
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Next Atlanticus Holdings Corporation earnings date
Q4 202513 Mar, 2026
Next Atlanticus Holdings Corporation earnings date
Q4 202513 Mar, 2026
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Frequently asked questions
Atlanticus Holdings Corporation is a financial technology company that provides credit and related financial services across the United States. The company operates through two primary segments: Credit as a Service (CaaS) and Auto Finance. The company is headquartered in Atlanta, Georgia, and its shares are listed on the NASDAQ.
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