$ATLC
Atlanticus Holdings Corp

2022 Q2 Form 10-Q Financial Statement

#000143774922011738 Filed on May 10, 2022

View on sec.gov

Income Statement

Concept 2022 Q2 2022 Q1 2021 Q4
Revenue $123.2M $229.8M $142.8M
YoY Change -32.33% 58.79% 28.97%
Cost Of Revenue $42.92M $22.68M $36.23M
YoY Change 135.68% 30.41% 28.01%
Gross Profit $80.32M $207.2M $106.5M
YoY Change -51.0% 62.67% 29.46%
Gross Profit Margin 65.17% 90.13% 74.63%
Selling, General & Admin $30.33M $32.00M $25.64M
YoY Change 40.67% 72.97% 51.72%
% of Gross Profit 37.76% 15.45% 24.07%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.484M $1.916M $2.046M
YoY Change 60.09% 127.01% 2.3%
% of Gross Profit 1.85% 0.92% 1.92%
Operating Expenses $37.78M $47.37M $43.59M
YoY Change 3.88% 74.8% -14.53%
Operating Profit $42.54M $159.8M $62.96M
YoY Change -66.64% 59.39% 101.13%
Interest Expense $18.93M $17.41M
YoY Change 37.24% 41.57%
% of Operating Profit 44.49% 10.9%
Other Income/Expense, Net $239.0K $61.00K
YoY Change -90.76% -92.74%
Pretax Income $42.54M $37.63M $62.96M
YoY Change -9.38% -27.34% 100.49%
Income Tax $8.743M -$7.121M $13.12M
% Of Pretax Income 20.55% -18.92% 20.83%
Net Earnings $34.03M $45.01M $49.98M
YoY Change -7.73% 2.12% 87.18%
Net Earnings / Revenue 27.61% 19.58% 35.0%
Basic Earnings Per Share $1.88 $2.62
Diluted Earnings Per Share $1.747M $1.96 $2.405M
COMMON SHARES
Basic Shares Outstanding 14.91M 14.82M 15.09M
Diluted Shares Outstanding 19.48M 20.06M

Balance Sheet

Concept 2022 Q2 2022 Q1 2021 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $316.3M $373.5M $409.7M
YoY Change 18.98% 83.88% 130.02%
Cash & Equivalents $316.3M $405.5M $506.6M
Short-Term Investments
Other Short-Term Assets $28.02M $18.56M $15.65M
YoY Change 158.86% 81.94% 2.95%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $344.4M $392.0M $425.3M
YoY Change 24.45% 83.79% 120.03%
LONG-TERM ASSETS
Property, Plant & Equipment $19.06M $6.819M $7.335M
YoY Change 1018.43% 240.61% 227.46%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $0.00
YoY Change -100.0%
Other Assets $49.99M $32.01M $96.97M
YoY Change -26.36% -20.97% 19.86%
Total Long-Term Assets $1.772B $1.530B $1.519B
YoY Change 55.02% 55.1% 49.77%
TOTAL ASSETS
Total Short-Term Assets $344.4M $392.0M $425.3M
Total Long-Term Assets $1.772B $1.530B $1.519B
Total Assets $2.116B $1.922B $1.944B
YoY Change 49.06% 60.2% 61.02%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $46.97M $50.91M $42.29M
YoY Change 21.51% 23.56% 1.41%
Accrued Expenses $19.76M $2.457M $4.842M
YoY Change 103.5% -79.0% -64.91%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $114.4M $96.46M $94.90M
YoY Change 33.71% 11.52% 16.58%
LONG-TERM LIABILITIES
Long-Term Debt $1.573B $1.412B $1.422B
YoY Change 60.78% 64.99% 56.26%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $1.573B $1.412B $1.422B
YoY Change 60.78% 64.99% 56.26%
TOTAL LIABILITIES
Total Short-Term Liabilities $114.4M $96.46M $94.90M
Total Long-Term Liabilities $1.573B $1.412B $1.422B
Total Liabilities $1.686B $1.509B $1.517B
YoY Change 58.51% 60.1% 52.99%
SHAREHOLDERS EQUITY
Retained Earnings $113.8M $60.24M
YoY Change -254.68% -151.19%
Common Stock $160.2M $227.8M
YoY Change -16.63% 16.83%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $430.0M $274.1M $288.0M
YoY Change
Total Liabilities & Shareholders Equity $2.116B $1.922B $1.944B
YoY Change 49.06% 60.2% 61.02%

Cashflow Statement

Concept 2022 Q2 2022 Q1 2021 Q4
OPERATING ACTIVITIES
Net Income $34.03M $45.01M $49.98M
YoY Change -7.73% 2.12% 87.18%
Depreciation, Depletion And Amortization $1.484M $1.916M $2.046M
YoY Change 60.09% 127.01% 2.3%
Cash From Operating Activities $71.86M $80.75M $72.37M
YoY Change 0.19% 52.99% 11.51%
INVESTING ACTIVITIES
Capital Expenditures -$525.0K -$76.00K -$7.089M
YoY Change -10600.0% -204.11%
Acquisitions
YoY Change
Other Investing Activities -$251.0M -$102.6M -$173.4M
YoY Change 59.2% 4783.57% 55.42%
Cash From Investing Activities -$251.5M -$102.6M -$180.5M
YoY Change 59.54% 4644.85% 61.63%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $65.21M
YoY Change 21857.58%
Debt Paid & Issued, Net $52.07M
YoY Change -55.14%
Cash From Financing Activities 140.5M -$79.26M 400.0M
YoY Change -20.26% 19.99% 210.57%
NET CHANGE
Cash From Operating Activities 71.86M $80.75M 72.37M
Cash From Investing Activities -251.5M -$102.6M -180.5M
Cash From Financing Activities 140.5M -$79.26M 400.0M
Net Change In Cash -39.13M -$101.2M 291.9M
YoY Change -143.34% 555.38% 255.91%
FREE CASH FLOW
Cash From Operating Activities $71.86M $80.75M $72.37M
Capital Expenditures -$525.0K -$76.00K -$7.089M
Free Cash Flow $72.38M $80.83M $79.46M
YoY Change 0.93% 53.35% 22.43%

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StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
273319000 USD
CY2020Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest
76510000 USD
CY2021Q1 atlc Adjustments To Additional Paid In Capital Accretion Of Discount From Equity Issuance Of Subsidiary
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-75000 USD
CY2021Q1 us-gaap Adjustments To Additional Paid In Capital Dividends In Excess Of Retained Earnings
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4612000 USD
CY2021Q1 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
1696000 USD
CY2021Q1 us-gaap Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures
StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures
0 USD
CY2021Q1 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
545000 USD
CY2021Q1 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
297000 USD
CY2021Q1 us-gaap Comprehensive Income Net Of Tax Including Portion Attributable To Noncontrolling Interest
ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest
44027000 USD
CY2021Q1 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
7634000 USD
CY2022Q1 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
9499000 USD
CY2021Q1 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
658000 USD
CY2022Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
131000 USD
CY2021Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-4952000 USD
CY2022Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
80749000 USD
CY2021Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
52780000 USD
CY2022Q1 us-gaap Proceeds From Sale Of Equity Method Investments
ProceedsFromSaleOfEquityMethodInvestments
0 USD
CY2021Q1 us-gaap Proceeds From Sale Of Equity Method Investments
ProceedsFromSaleOfEquityMethodInvestments
190000 USD
CY2022Q1 atlc Change In Accrued And Unpaid Preferred Dividends
ChangeInAccruedAndUnpaidPreferredDividends
115000 USD
CY2021Q1 atlc Change In Accrued And Unpaid Preferred Dividends
ChangeInAccruedAndUnpaidPreferredDividends
-89000 USD
CY2022Q1 us-gaap Proceeds From Sale And Collection Of Receivables
ProceedsFromSaleAndCollectionOfReceivables
5460000 USD
CY2021Q1 us-gaap Proceeds From Sale And Collection Of Receivables
ProceedsFromSaleAndCollectionOfReceivables
1892000 USD
CY2022Q1 us-gaap Payments For Proceeds From Other Loans And Leases
PaymentsForProceedsFromOtherLoansAndLeases
563313000 USD
CY2021Q1 us-gaap Payments For Proceeds From Other Loans And Leases
PaymentsForProceedsFromOtherLoansAndLeases
356011000 USD
CY2022Q1 us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
455298000 USD
CY2021Q1 us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
351839000 USD
CY2022Q1 atlc Payments For Purchases And Development Of Property Net Of Disposals
PaymentsForPurchasesAndDevelopmentOfPropertyNetOfDisposals
76000 USD
CY2021Q1 atlc Payments For Purchases And Development Of Property Net Of Disposals
PaymentsForPurchasesAndDevelopmentOfPropertyNetOfDisposals
73000 USD
CY2022Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-102631000 USD
CY2021Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-2163000 USD
CY2022Q1 us-gaap Proceeds From Minority Shareholders
ProceedsFromMinorityShareholders
4000 USD
CY2021Q1 us-gaap Proceeds From Minority Shareholders
ProceedsFromMinorityShareholders
0 USD
CY2022Q1 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
6016000 USD
CY2021Q1 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
4701000 USD
CY2022Q1 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
2788000 USD
CY2021Q1 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
1696000 USD
CY2022Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
65214000 USD
CY2021Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
297000 USD
CY2022Q1 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
41247000 USD
CY2021Q1 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
53314000 USD
CY2022Q1 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
52068000 USD
CY2021Q1 us-gaap Repayments Of Long Term Debt
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116069000 USD
CY2022Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-79259000 USD
CY2021Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-66057000 USD
CY2022Q1 us-gaap Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
-10000 USD
CY2021Q1 us-gaap Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
6000 USD
CY2022Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-101151000 USD
CY2021Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-15434000 USD
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
506628000 USD
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
258961000 USD
CY2022Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
405477000 USD
CY2021Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
243527000 USD
CY2022Q1 us-gaap Interest Paid Net
InterestPaidNet
16199000 USD
CY2021Q1 us-gaap Interest Paid Net
InterestPaidNet
12265000 USD
CY2022Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
56000 USD
CY2021Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
136000 USD
CY2022Q1 us-gaap Payments To Acquire Loans And Leases Held For Investment
PaymentsToAcquireLoansAndLeasesHeldForInvestment
56500000 USD
CY2021Q1 us-gaap Payments To Acquire Loans And Leases Held For Investment
PaymentsToAcquireLoansAndLeasesHeldForInvestment
50500000 USD
CY2022Q1 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
15900000 USD
CY2021Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
29300000 USD
CY2022Q1 atlc Weighted Average Remaining Accretion Period Of Deferred Revenue
WeightedAverageRemainingAccretionPeriodOfDeferredRevenue
P26M
CY2021 atlc Weighted Average Remaining Accretion Period Of Deferred Revenue
WeightedAverageRemainingAccretionPeriodOfDeferredRevenue
P15M
CY2022Q1 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
15900000 USD
CY2021Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
20400000 USD
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
57200000 USD
CY2022Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
100000 USD
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
400000 USD
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
300000 USD
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
1600000 USD
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
-0 USD
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
1600000 USD
CY2022Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
99900000 USD
CY2022Q1 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
0 USD
CY2022Q1 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
99900000 USD
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
125000000.0 USD
CY2021Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
4100000 USD
CY2021Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
26900000 USD
CY2021Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
3700000 USD
CY2021Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
105900000 USD
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
100000 USD
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
57100000 USD
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
470300000 USD
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
400000 USD
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
469900000 USD
CY2022Q1 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
99900000 USD
CY2022Q1 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1000000.0 USD
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
470300000 USD
CY2021Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
1500000 USD
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
51424 pure
CY2021 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
59200000 USD
CY2021Q1 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.150 pure
CY2022Q1 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
10266000 USD
CY2021Q1 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
4579000 USD
CY2022Q1 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
2 pure
CY2022Q1 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
164806000 USD
CY2022Q1 atlc Fees And Related Income On Earning Assets
FeesAndRelatedIncomeOnEarningAssets
54698000 USD
CY2022Q1 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
10266000 USD
CY2022Q1 us-gaap Noninterest Income
NoninterestIncome
61000 USD
CY2022Q1 us-gaap Revenues
Revenues
229831000 USD
CY2022Q1 us-gaap Interest Expense
InterestExpense
17410000 USD
CY2022Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
147000 USD
CY2022Q1 atlc Increase Decrease In Fair Value Of Loans And Fees Receivable Recorded At Fair Value
IncreaseDecreaseInFairValueOfLoansAndFeesReceivableRecordedAtFairValue
-104680000 USD
CY2022Q1 us-gaap Revenues Net Of Interest Expense
RevenuesNetOfInterestExpense
107594000 USD
CY2022Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
37634000 USD
CY2022Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-7121000 USD
CY2022Q1 us-gaap Assets
Assets
1921637000 USD
CY2021Q1 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
102296000 USD
CY2021Q1 atlc Fees And Related Income On Earning Assets
FeesAndRelatedIncomeOnEarningAssets
37020000 USD
CY2021Q1 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
4579000 USD
CY2021Q1 us-gaap Noninterest Income
NoninterestIncome
840000 USD
CY2021Q1 us-gaap Revenues
Revenues
144735000 USD
CY2021Q1 us-gaap Interest Expense
InterestExpense
12298000 USD
CY2021Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
4135000 USD
CY2021Q1 atlc Increase Decrease In Fair Value Of Loans And Fees Receivable Recorded At Fair Value
IncreaseDecreaseInFairValueOfLoansAndFeesReceivableRecordedAtFairValue
-27491000 USD
CY2021Q1 us-gaap Revenues Net Of Interest Expense
RevenuesNetOfInterestExpense
100811000 USD
CY2021Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
51797000 USD
CY2021Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7770000 USD
CY2021Q1 us-gaap Assets
Assets
1199495000 USD
CY2022Q1 us-gaap Stock Repurchased And Retired During Period Shares
StockRepurchasedAndRetiredDuringPeriodShares
1005212
CY2021Q1 us-gaap Stock Repurchased And Retired During Period Shares
StockRepurchasedAndRetiredDuringPeriodShares
9928
CY2022Q1 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
65214000 USD
CY2021Q1 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
297000 USD
CY2021Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetWriteOffs
3630000 USD
CY2021Q1 us-gaap Income Loss From Equity Method Investments
IncomeLossFromEquityMethodInvestments
19000 USD
CY2021Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
1026424000 USD
CY2020Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
417098000 USD
CY2022Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Earnings1
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1
3372000 USD
CY2021Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Earnings1
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1
13303000 USD
CY2022Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Principal Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPrincipalWriteOffs
68797000 USD
CY2021Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Principal Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPrincipalWriteOffs
10686000 USD
CY2022Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetWriteOffs
32511000 USD
CY2022Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
537573000 USD
CY2021Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
250469000 USD
CY2022Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements
563104000 USD
CY2021Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements
211065000 USD
CY2022Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Finance And Fees
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetFinanceAndFees
194567000 USD
CY2021Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Finance And Fees
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetFinanceAndFees
52551000 USD
CY2022Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
1405765000 USD
CY2021Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
481434000 USD
CY2022Q1 us-gaap Line Of Credit
LineOfCredit
1245513000 USD
CY2022Q1 us-gaap Secured Debt
SecuredDebt
23308000 USD
CY2022Q1 us-gaap Convertible Debt Fair Value Disclosures
ConvertibleDebtFairValueDisclosures
143310000 USD
CY2021Q4 us-gaap Line Of Credit
LineOfCredit
1255518000 USD
CY2021Q4 us-gaap Secured Debt
SecuredDebt
23346000 USD
CY2021Q4 us-gaap Convertible Debt Fair Value Disclosures
ConvertibleDebtFairValueDisclosures
142951000 USD
CY2021Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliations Recurring Basis Liability Value
FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue
2919000 USD
CY2022Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Liability Gain Loss Included In Earnings
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings
128000 USD
CY2022Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliations Recurring Basis Liability Value
FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue
2791000 USD
CY2022Q1 us-gaap Variable Interest Entity Entity Maximum Loss Exposure Amount
VariableInterestEntityEntityMaximumLossExposureAmount
1285100000 USD
CY2021Q4 us-gaap Variable Interest Entity Entity Maximum Loss Exposure Amount
VariableInterestEntityEntityMaximumLossExposureAmount
1289100000 USD
CY2022Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
1724000 USD
CY2021Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
1726000 USD
CY2022Q1 us-gaap Sublease Income
SubleaseIncome
1302000 USD
CY2021Q1 us-gaap Sublease Income
SubleaseIncome
1293000 USD
CY2022Q1 us-gaap Lease Cost
LeaseCost
422000 USD
CY2021Q1 us-gaap Lease Cost
LeaseCost
433000 USD
CY2022Q1 us-gaap Operating Lease Payments
OperatingLeasePayments
2635000 USD
CY2021Q1 us-gaap Operating Lease Payments
OperatingLeasePayments
2584000 USD
CY2022Q1 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P20M
CY2022Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.052 pure
CY2021Q4 atlc Asset Backed Securities Weighted Average Interest Rate
AssetBackedSecuritiesWeightedAverageInterestRate
0.0353 pure
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
2151000 USD
CY2022Q1 us-gaap Lessor Operating Lease Payments To Be Received Remainder Of Fiscal Year
LessorOperatingLeasePaymentsToBeReceivedRemainderOfFiscalYear
1245000 USD
CY2022Q1 atlc Operating Leases Net Lease Payments Remainder Of Fiscal Year
OperatingLeasesNetLeasePaymentsRemainderOfFiscalYear
906000 USD
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
549000 USD
CY2022Q1 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
LessorOperatingLeasePaymentsToBeReceivedNextTwelveMonths
-0 USD
CY2022Q1 atlc Operating Lease Net Lease Payments Due Year One
OperatingLeaseNetLeasePaymentsDueYearOne
549000 USD
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
347000 USD
CY2022Q1 us-gaap Lessor Operating Lease Payments To Be Received Two Years
LessorOperatingLeasePaymentsToBeReceivedTwoYears
-0 USD
CY2022Q1 atlc Operating Lease Net Lease Payments Due Year Two
OperatingLeaseNetLeasePaymentsDueYearTwo
347000 USD
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
204000 USD
CY2022Q1 us-gaap Lessor Operating Lease Payments To Be Received Three Years
LessorOperatingLeasePaymentsToBeReceivedThreeYears
-0 USD
CY2022Q1 atlc Operating Lease Net Lease Payments Due Year Three
OperatingLeaseNetLeasePaymentsDueYearThree
204000 USD
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
95000 USD
CY2022Q1 us-gaap Lessor Operating Lease Payments To Be Received Four Years
LessorOperatingLeasePaymentsToBeReceivedFourYears
-0 USD
CY2022Q1 atlc Operating Leases Net Lease Payments Due Year Four
OperatingLeasesNetLeasePaymentsDueYearFour
95000 USD
CY2022Q1 atlc Lessee Operating Lease Liability To Be Paid After Year Four
LesseeOperatingLeaseLiabilityToBePaidAfterYearFour
25000 USD
CY2022Q1 atlc Lessor Operating Lease Payment To Be Received After Year Four
LessorOperatingLeasePaymentToBeReceivedAfterYearFour
-0 USD
CY2022Q1 atlc Operating Lease Net Lease Payments Due After Year Four
OperatingLeaseNetLeasePaymentsDueAfterYearFour
25000 USD
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
3371000 USD
CY2022Q1 us-gaap Lessor Operating Lease Payments To Be Received
LessorOperatingLeasePaymentsToBeReceived
1245000 USD
CY2022Q1 atlc Operating Leases Net Lease Payments Due Total
OperatingLeasesNetLeasePaymentsDueTotal
2126000 USD
CY2022Q1 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
914000 USD
CY2022Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
2457000 USD
CY2022Q1 atlc Notes Payable Gross
NotesPayableGross
1278700000 USD
CY2021Q4 atlc Notes Payable Gross
NotesPayableGross
1289000000.0 USD
CY2022Q1 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
9900000 USD
CY2021Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
10100000 USD
CY2022Q1 us-gaap Notes Payable
NotesPayable
1268800000 USD
CY2021Q4 us-gaap Notes Payable
NotesPayable
1278900000 USD
CY2019Q4 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
200000000.0 USD
CY2019Q4 atlc Asset Backed Securities Weighted Average Interest Rate
AssetBackedSecuritiesWeightedAverageInterestRate
0.0491 pure
CY2020Q3 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
100000000.0 USD
CY2020Q3 atlc Asset Backed Securities Term Of Revolving Structure Subsequent Amortization Period
AssetBackedSecuritiesTermOfRevolvingStructureSubsequentAmortizationPeriod
P18M
CY2020Q3 atlc Asset Backed Securities Weighted Average Interest Rate
AssetBackedSecuritiesWeightedAverageInterestRate
0.0547 pure
CY2020Q4 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
250000000.0 USD
CY2020Q4 atlc Asset Backed Securities Term Of Revolving Structure
AssetBackedSecuritiesTermOfRevolvingStructure
P41M
CY2020Q4 atlc Asset Backed Securities Term Of Revolving Structure Subsequent Amortization Period
AssetBackedSecuritiesTermOfRevolvingStructureSubsequentAmortizationPeriod
P18M
CY2020Q4 atlc Asset Backed Securities Weighted Average Interest Rate
AssetBackedSecuritiesWeightedAverageInterestRate
0.041 pure
CY2021Q2 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
300000000.0 USD
CY2021Q2 atlc Asset Backed Securities Weighted Average Interest Rate
AssetBackedSecuritiesWeightedAverageInterestRate
0.0424 pure
CY2021Q3 atlc Asset Backed Securities Term Of Revolving Structure
AssetBackedSecuritiesTermOfRevolvingStructure
P24M
CY2021Q4 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
300000000.0 USD
CY2021Q4 atlc Asset Backed Securities Term Of Revolving Structure Subsequent Amortization Period
AssetBackedSecuritiesTermOfRevolvingStructureSubsequentAmortizationPeriod
P18M
CY2021Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
100000
CY2022Q1 atlc Sharebased Compensation Tax Charges To Additional Paid In Capital From Exercise And Vesting
SharebasedCompensationTaxChargesToAdditionalPaidInCapitalFromExerciseAndVesting
0 USD
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
45010000 USD
CY2021Q1 us-gaap Net Income Loss
NetIncomeLoss
44075000 USD
CY2022Q1 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
6206000 USD
CY2021Q1 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
4687000 USD
CY2022Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
38804000 USD
CY2021Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
39388000 USD
CY2022Q1 atlc Net Income Loss Available To Common Stockholders Effect Of Dilutive Securities
NetIncomeLossAvailableToCommonStockholdersEffectOfDilutiveSecurities
592000 USD
CY2021Q1 atlc Net Income Loss Available To Common Stockholders Effect Of Dilutive Securities
NetIncomeLossAvailableToCommonStockholdersEffectOfDilutiveSecurities
592000 USD
CY2022Q1 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
39396000 USD
CY2021Q1 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
39980000 USD
CY2022Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
14821000
CY2021Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
15013000
CY2022Q1 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
5238000
CY2021Q1 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
5921000
CY2022Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
20059000
CY2021Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
20934000
CY2022Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.62
CY2021Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.62
CY2022Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.96
CY2021Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.91
CY2022Q1 atlc Weighted Average Number Of Shares Unvested Sharebased Payment Awards Basic
WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic
100331
CY2021Q1 atlc Weighted Average Number Of Shares Unvested Sharebased Payment Awards Basic
WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic
421639
CY2022Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
0.0
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
2017969
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
6.74
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
CY2022Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
CY2022Q1 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
1000534
CY2022Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
2.79
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod
1000
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice
15.30
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
1016435
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
10.63
CY2022Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P1Y10M24D
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
41834424 USD
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
815666
CY2022Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
6.19
CY2022Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P1Y6M
CY2022Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
37191595 USD
CY2022Q1 atlc Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Amortization Period
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingAmortizationPeriod
P1Y6M

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