Short answer
Atlanticus Holdings Corp (ATLC) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $495M (up 40.8% year over year) with net income of $25M.
Q3 2025 key financials · XBRL
- Revenue
- $495M
- +40.8% YoY · +25.5% QoQ
- Net income
- $25M
- −15.5% YoY · −18.3% QoQ
- EPS (diluted)
- $1.21
- −4.7% YoY · −19.9% QoQ
Source: XBRL data from the Atlanticus Holdings Corp (ATLC) Q3 2025 10-Q on SEC EDGAR. USD.
Atlanticus Holdings Corp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Mercury acquisition added 1.3 million accounts and $3.2 billion receivables
- $166.5 million cash purchase consideration for Mercury
- Regulatory changes and lower-credit customers’ higher loss rates as operating headwinds
Risk Factors
- No material-change disclosure; filing carries forward risks from the 2024 10-K
- Receivables concentration; five largest retail partners exceeded 85% of private-label receivables
- Regulatory true-lender exposure; recharacterization could trigger state usury limits, licensing, penalties, and unenforceable loans
- Near-term growth risk; managed card receivables reached $6,600.1 million from $2,653.8 million year over year
- Internal-control risk; material weakness remediated, but recurrence could impair reporting and breach debt covenants
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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