2024 Q2 Form 10-Q Financial Statement

#000143774924016032 Filed on May 10, 2024

View on sec.gov

Income Statement

Concept 2024 Q2 2024 Q1
Revenue $316.0M $290.7M
YoY Change 8.66% 11.36%
Cost Of Revenue $27.70M $26.82M
YoY Change 16.31% 10.22%
Gross Profit $288.3M $263.9M
YoY Change 7.98% 11.48%
Gross Profit Margin 91.24% 90.77%
Selling, General & Admin $25.55M $23.74M
YoY Change 1.71% 12.99%
% of Gross Profit 8.86% 9.0%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.253M $1.251M
YoY Change 47.07% 48.22%
% of Gross Profit 0.43% 0.47%
Operating Expenses $35.52M $36.83M
YoY Change 7.75% 28.92%
Operating Profit $252.8M $227.1M
YoY Change 8.01% 9.09%
Interest Expense $37.95M $35.06M
YoY Change 56.71% 44.69%
% of Operating Profit 15.01% 15.44%
Other Income/Expense, Net $382.0K $532.0K
YoY Change 339.08% 801.69%
Pretax Income $28.60M $32.82M
YoY Change -10.65% -3.7%
Income Tax $4.476M $7.002M
% Of Pretax Income 15.65% 21.33%
Net Earnings $24.28M $26.17M
YoY Change -3.22% -0.16%
Net Earnings / Revenue 7.68% 9.0%
Basic Earnings Per Share $1.22 $1.35
Diluted Earnings Per Share $0.99 $1.09
COMMON SHARES
Basic Shares Outstanding 14.79M 14.61M
Diluted Shares Outstanding 18.81M 18.72M

Balance Sheet

Concept 2024 Q2 2024 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments $350.9M $444.8M
YoY Change 2.42% 14.1%
Cash & Equivalents $407.2M $482.3M
Short-Term Investments
Other Short-Term Assets $33.87M $31.96M
YoY Change 31.19% 14.17%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $384.8M $476.8M
YoY Change 4.44% 14.11%
LONG-TERM ASSETS
Property, Plant & Equipment $10.27M $10.86M
YoY Change -18.17% -10.73%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $56.26M $37.49M
YoY Change 8.62% -16.08%
Total Long-Term Assets $2.452B $2.310B
YoY Change 17.55% 18.03%
TOTAL ASSETS
Total Short-Term Assets $384.8M $476.8M
Total Long-Term Assets $2.452B $2.310B
Total Assets $2.837B $2.787B
YoY Change 15.58% 17.34%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $70.58M $59.17M
YoY Change 48.69% 40.87%
Accrued Expenses $19.68M $20.03M
YoY Change -4.21% -1.62%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $187.4M $172.1M
YoY Change 30.45% 31.14%
LONG-TERM LIABILITIES
Long-Term Debt $2.079B $2.062B
YoY Change 14.87% 17.18%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $2.079B $2.062B
YoY Change 14.87% 17.18%
TOTAL LIABILITIES
Total Short-Term Liabilities $187.4M $172.1M
Total Long-Term Liabilities $2.079B $2.062B
Total Liabilities $2.266B $2.234B
YoY Change 16.01% 18.15%
SHAREHOLDERS EQUITY
Retained Earnings $345.1M $327.1M
YoY Change 34.96% 41.85%
Common Stock $88.71M $88.88M
YoY Change -17.59% -23.24%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $433.8M $416.0M
YoY Change
Total Liabilities & Shareholders Equity $2.837B $2.787B
YoY Change 15.58% 17.34%

Cashflow Statement

Concept 2024 Q2 2024 Q1
OPERATING ACTIVITIES
Net Income $24.28M $26.17M
YoY Change -3.22% -0.16%
Depreciation, Depletion And Amortization $1.253M $1.251M
YoY Change 47.07% 48.22%
Cash From Operating Activities $115.6M $118.8M
YoY Change 6.99% 16.81%
INVESTING ACTIVITIES
Capital Expenditures $67.00K $64.00K
YoY Change -93.51% -97.69%
Acquisitions
YoY Change
Other Investing Activities -$197.1M -$67.47M
YoY Change 5.46% 33.17%
Cash From Investing Activities -$197.2M -$67.54M
YoY Change 4.91% 26.4%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net $108.7M
YoY Change 14.04%
Cash From Financing Activities 6.434M $47.39M
YoY Change -83.83% -200.93%
NET CHANGE
Cash From Operating Activities 115.6M $118.8M
Cash From Investing Activities -197.2M -$67.54M
Cash From Financing Activities 6.434M $47.39M
Net Change In Cash -75.14M $98.65M
YoY Change 87.35% 7373.48%
FREE CASH FLOW
Cash From Operating Activities $115.6M $118.8M
Capital Expenditures $67.00K $64.00K
Free Cash Flow $115.6M $118.7M
YoY Change 7.96% 20.01%

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CY2023Q1 us-gaap Increase Decrease In Accrued Income Taxes Payable
IncreaseDecreaseInAccruedIncomeTaxesPayable
8156000 usd
CY2024Q1 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-2417000 usd
CY2023Q1 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-1866000 usd
CY2024Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
4139000 usd
CY2023Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
836000 usd
CY2024Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
118796000 usd
CY2023Q1 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
101698000 usd
CY2024Q1 us-gaap Proceeds From Sale And Collection Of Receivables
ProceedsFromSaleAndCollectionOfReceivables
11854000 usd
CY2023Q1 us-gaap Proceeds From Sale And Collection Of Receivables
ProceedsFromSaleAndCollectionOfReceivables
16380000 usd
CY2024Q1 us-gaap Payments For Proceeds From Other Loans And Leases
PaymentsForProceedsFromOtherLoansAndLeases
559768000 usd
CY2023Q1 us-gaap Payments For Proceeds From Other Loans And Leases
PaymentsForProceedsFromOtherLoansAndLeases
545464000 usd
CY2024Q1 us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
480443000 usd
CY2023Q1 us-gaap Proceeds From Principal Repayments On Loans And Leases Held For Investment
ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment
478419000 usd
CY2024Q1 atlc Payments For Purchases And Development Of Property Net Of Disposals
PaymentsForPurchasesAndDevelopmentOfPropertyNetOfDisposals
64000 usd
CY2023Q1 atlc Payments For Purchases And Development Of Property Net Of Disposals
PaymentsForPurchasesAndDevelopmentOfPropertyNetOfDisposals
2765000 usd
CY2024Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-67535000 usd
CY2023Q1 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-53430000 usd
CY2024Q1 us-gaap Proceeds From Minority Shareholders
ProceedsFromMinorityShareholders
3000 usd
CY2023Q1 us-gaap Proceeds From Minority Shareholders
ProceedsFromMinorityShareholders
4000 usd
CY2024Q1 us-gaap Payments To Minority Shareholders
PaymentsToMinorityShareholders
148000 usd
CY2023Q1 us-gaap Payments To Minority Shareholders
PaymentsToMinorityShareholders
-0 usd
CY2024Q1 atlc Proceeds From Issuance Of Preferred Stock And Preference Stock Net
ProceedsFromIssuanceOfPreferredStockAndPreferenceStockNet
1071000 usd
CY2023Q1 atlc Proceeds From Issuance Of Preferred Stock And Preference Stock Net
ProceedsFromIssuanceOfPreferredStockAndPreferenceStockNet
1069000 usd
CY2024Q1 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
6259000 usd
CY2023Q1 us-gaap Payments Of Dividends Preferred Stock And Preference Stock
PaymentsOfDividendsPreferredStockAndPreferenceStock
6253000 usd
CY2024Q1 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
0 usd
CY2023Q1 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
19000 usd
CY2024Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
543000 usd
CY2023Q1 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
1976000 usd
CY2024Q1 us-gaap Proceeds From Issuance Of Senior Long Term Debt
ProceedsFromIssuanceOfSeniorLongTermDebt
54560000 usd
CY2023Q1 us-gaap Proceeds From Issuance Of Senior Long Term Debt
ProceedsFromIssuanceOfSeniorLongTermDebt
0 usd
CY2024Q1 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
107356000 usd
CY2023Q1 us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
55464000 usd
CY2024Q1 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
108651000 usd
CY2023Q1 us-gaap Repayments Of Long Term Debt
RepaymentsOfLongTermDebt
95278000 usd
CY2024Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
47389000 usd
CY2023Q1 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-46951000 usd
CY2024Q1 us-gaap Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
0 usd
CY2023Q1 us-gaap Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
3000 usd
CY2024Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
98650000 usd
CY2023Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
1320000 usd
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
383653000 usd
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
433192000 usd
CY2024Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
482303000 usd
CY2023Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Including Disposal Group And Discontinued Operations
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations
434512000 usd
CY2024Q1 us-gaap Interest Paid Net
InterestPaidNet
33262000 usd
CY2023Q1 us-gaap Interest Paid Net
InterestPaidNet
23103000 usd
CY2024Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
-42000 usd
CY2023Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
32000 usd
CY2024Q1 atlc Adjustments To Additional Paid In Capital Accretion Of Discount From Equity Issuance Of Subsidiary
AdjustmentsToAdditionalPaidInCapitalAccretionOfDiscountFromEquityIssuanceOfSubsidiary
-75000 usd
CY2023Q1 atlc Adjustments To Additional Paid In Capital Accretion Of Discount From Equity Issuance Of Subsidiary
AdjustmentsToAdditionalPaidInCapitalAccretionOfDiscountFromEquityIssuanceOfSubsidiary
-75000 usd
CY2024Q1 atlc Change In Accrued And Unpaid Preferred Dividends
ChangeInAccruedAndUnpaidPreferredDividends
-42000 usd
CY2023Q1 atlc Change In Accrued And Unpaid Preferred Dividends
ChangeInAccruedAndUnpaidPreferredDividends
-85000 usd
CY2024Q1 us-gaap Payments To Acquire Loans And Leases Held For Investment
PaymentsToAcquireLoansAndLeasesHeldForInvestment
61000000 usd
CY2023Q1 us-gaap Payments To Acquire Loans And Leases Held For Investment
PaymentsToAcquireLoansAndLeasesHeldForInvestment
65000000 usd
CY2024Q1 us-gaap Financing Receivable Deferred Income
FinancingReceivableDeferredIncome
18700000 usd
CY2023Q4 us-gaap Financing Receivable Deferred Income
FinancingReceivableDeferredIncome
17900000 usd
CY2024Q1 atlc Weighted Average Remaining Accretion Period Of Deferred Revenue
WeightedAverageRemainingAccretionPeriodOfDeferredRevenue
P25M
CY2023 atlc Weighted Average Remaining Accretion Period Of Deferred Revenue
WeightedAverageRemainingAccretionPeriodOfDeferredRevenue
P26M
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
1800000 usd
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
1600000 usd
CY2024Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
2900000 usd
CY2023Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
700000 usd
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1800000 usd
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1000000 usd
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
500000 usd
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
400000 usd
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
3400000 usd
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
1700000 usd
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1600000 usd
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
-0 usd
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
1800000 usd
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
1800000 usd
CY2024Q1 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
2400000 usd
CY2023Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
0 usd
CY2024Q1 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
119900000 usd
CY2023Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
118000000 usd
CY2024Q1 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
2100000 usd
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
2600000 usd
CY2024Q1 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.211 pure
CY2023Q1 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.238 pure
CY2023Q1 us-gaap Unrecognized Tax Benefits Interest On Income Taxes Expense
UnrecognizedTaxBenefitsInterestOnIncomeTaxesExpense
900000 usd
CY2024Q1 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
11895000 usd
CY2023Q1 us-gaap Revenue From Contract With Customer Including Assessed Tax
RevenueFromContractWithCustomerIncludingAssessedTax
6924000 usd
CY2024Q1 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
230374000 usd
CY2024Q1 atlc Fees And Related Income On Earning Assets
FeesAndRelatedIncomeOnEarningAssets
47905000 usd
CY2024Q1 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
11895000 usd
CY2024Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
290174000 usd
CY2024Q1 us-gaap Noninterest Income
NoninterestIncome
532000 usd
CY2024Q1 us-gaap Revenues
Revenues
290706000 usd
CY2024Q1 us-gaap Interest Expense
InterestExpense
35063000 usd
CY2024Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
2944000 usd
CY2024Q1 atlc Increase Decrease In Fair Value Of Loans And Fees Receivable Recorded At Fair Value
IncreaseDecreaseInFairValueOfLoansAndFeesReceivableRecordedAtFairValue
-159171000 usd
CY2024Q1 us-gaap Revenues Net Of Interest Expense
RevenuesNetOfInterestExpense
93528000 usd
CY2024Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
32821000 usd
CY2024Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7002000 usd
CY2024Q1 us-gaap Assets
Assets
2787215000 usd
CY2023Q1 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
209701000 usd
CY2023Q1 atlc Fees And Related Income On Earning Assets
FeesAndRelatedIncomeOnEarningAssets
44357000 usd
CY2023Q1 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
6924000 usd
CY2023Q1 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
260982000 usd
CY2023Q1 us-gaap Noninterest Income
NoninterestIncome
59000 usd
CY2023Q1 us-gaap Revenues
Revenues
261041000 usd
CY2023Q1 us-gaap Interest Expense
InterestExpense
24234000 usd
CY2023Q1 atlc Provision For Losses On Loans And Fees Receivable Recorded At Net Realizable Value
ProvisionForLossesOnLoansAndFeesReceivableRecordedAtNetRealizableValue
704000 usd
CY2023Q1 atlc Increase Decrease In Fair Value Of Loans And Fees Receivable Recorded At Fair Value
IncreaseDecreaseInFairValueOfLoansAndFeesReceivableRecordedAtFairValue
-149822000 usd
CY2023Q1 us-gaap Revenues Net Of Interest Expense
RevenuesNetOfInterestExpense
86281000 usd
CY2023Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
34082000 usd
CY2023Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
8188000 usd
CY2023Q1 us-gaap Assets
Assets
2375295000 usd
CY2024Q1 us-gaap Stock Repurchased And Retired During Period Shares
StockRepurchasedAndRetiredDuringPeriodShares
18033
CY2023Q1 us-gaap Stock Repurchased And Retired During Period Shares
StockRepurchasedAndRetiredDuringPeriodShares
72354
CY2024Q1 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
500000 usd
CY2023Q1 us-gaap Stock Repurchased And Retired During Period Value
StockRepurchasedAndRetiredDuringPeriodValue
1900000 usd
CY2023Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
2173759000 usd
CY2022Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
1817976000 usd
CY2024Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Earnings1
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1
-72508000 usd
CY2023Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Earnings1
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1
-42061000 usd
CY2024Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Principal Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPrincipalWriteOffs
167956000 usd
CY2023Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Principal Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPrincipalWriteOffs
130175000 usd
CY2024Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetWriteOffs
63723000 usd
CY2023Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Write Offs
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetWriteOffs
61708000 usd
CY2024Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
530095000 usd
CY2023Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Purchases
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases
516523000 usd
CY2024Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Finance And Fees
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetFinanceAndFees
248075000 usd
CY2023Q1 atlc Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Finance And Fees
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetFinanceAndFees
219668000 usd
CY2024Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements
642122000 usd
CY2023Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Settlements
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements
608756000 usd
CY2024Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
2150636000 usd
CY2023Q1 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
1795589000 usd
CY2024Q1 us-gaap Line Of Credit
LineOfCredit
1839521000 usd
CY2024Q1 us-gaap Secured Debt
SecuredDebt
22997000 usd
CY2024Q1 us-gaap Convertible Debt Fair Value Disclosures
ConvertibleDebtFairValueDisclosures
199028000 usd
CY2023Q4 us-gaap Line Of Credit
LineOfCredit
1838647000 usd
CY2023Q4 us-gaap Secured Debt
SecuredDebt
23038000 usd
CY2023Q4 us-gaap Convertible Debt Fair Value Disclosures
ConvertibleDebtFairValueDisclosures
144453000 usd
CY2024Q1 us-gaap Variable Interest Entity Entity Maximum Loss Exposure Amount
VariableInterestEntityEntityMaximumLossExposureAmount
2069700000 usd
CY2023Q4 us-gaap Variable Interest Entity Entity Maximum Loss Exposure Amount
VariableInterestEntityEntityMaximumLossExposureAmount
2099000000 usd
CY2024Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
627000 usd
CY2023Q1 us-gaap Operating Lease Cost
OperatingLeaseCost
639000 usd
CY2024Q1 us-gaap Sublease Income
SubleaseIncome
24000 usd
CY2023Q1 us-gaap Sublease Income
SubleaseIncome
24000 usd
CY2024Q1 us-gaap Lease Cost
LeaseCost
603000 usd
CY2023Q1 us-gaap Lease Cost
LeaseCost
615000 usd
CY2024Q1 us-gaap Operating Lease Payments
OperatingLeasePayments
747000 usd
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod
1000
CY2023Q1 us-gaap Operating Lease Payments
OperatingLeasePayments
180000 usd
CY2024Q1 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P119M
CY2023Q1 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P134M
CY2024Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.066 pure
CY2023Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.065 pure
CY2024Q1 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
2246000 usd
CY2024Q1 us-gaap Lessor Operating Lease Payments To Be Received Remainder Of Fiscal Year
LessorOperatingLeasePaymentsToBeReceivedRemainderOfFiscalYear
16000 usd
CY2024Q1 atlc Operating Leases Net Lease Payments Remainder Of Fiscal Year
OperatingLeasesNetLeasePaymentsRemainderOfFiscalYear
2230000 usd
CY2024Q1 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
2878000 usd
CY2024Q1 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
LessorOperatingLeasePaymentsToBeReceivedNextTwelveMonths
-0 usd
CY2024Q1 atlc Operating Lease Net Lease Payments Due Year One
OperatingLeaseNetLeasePaymentsDueYearOne
2878000 usd
CY2024Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
2744000 usd
CY2024Q1 us-gaap Lessor Operating Lease Payments To Be Received Two Years
LessorOperatingLeasePaymentsToBeReceivedTwoYears
-0 usd
CY2024Q1 atlc Operating Lease Net Lease Payments Due Year Two
OperatingLeaseNetLeasePaymentsDueYearTwo
2744000 usd
CY2024Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
2618000 usd
CY2024Q1 us-gaap Lessor Operating Lease Payments To Be Received Three Years
LessorOperatingLeasePaymentsToBeReceivedThreeYears
-0 usd
CY2024Q1 atlc Operating Lease Net Lease Payments Due Year Three
OperatingLeaseNetLeasePaymentsDueYearThree
2618000 usd
CY2024Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
2590000 usd
CY2024Q1 us-gaap Lessor Operating Lease Payments To Be Received Four Years
LessorOperatingLeasePaymentsToBeReceivedFourYears
-0 usd
CY2024Q1 atlc Operating Leases Net Lease Payments Due Year Four
OperatingLeasesNetLeasePaymentsDueYearFour
2590000 usd
CY2024Q1 atlc Lessee Operating Lease Liability To Be Paid After Year Four
LesseeOperatingLeaseLiabilityToBePaidAfterYearFour
14865000 usd
CY2024Q1 atlc Lessor Operating Lease Payment To Be Received After Year Four
LessorOperatingLeasePaymentToBeReceivedAfterYearFour
-0 usd
CY2024Q1 atlc Operating Lease Net Lease Payments Due After Year Four
OperatingLeaseNetLeasePaymentsDueAfterYearFour
14865000 usd
CY2024Q1 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
27941000 usd
CY2024Q1 us-gaap Lessor Operating Lease Payments To Be Received
LessorOperatingLeasePaymentsToBeReceived
16000 usd
CY2024Q1 atlc Operating Leases Net Lease Payments Due Total
OperatingLeasesNetLeasePaymentsDueTotal
27925000 usd
CY2024Q1 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
7907000 usd
CY2024Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
20034000 usd
CY2024Q1 atlc Notes Payable Gross
NotesPayableGross
1885700000 usd
CY2023Q4 atlc Notes Payable Gross
NotesPayableGross
1881100000 usd
CY2024Q1 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
23200000 usd
CY2023Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
19400000 usd
CY2024Q1 us-gaap Notes Payable
NotesPayable
1862500000 usd
CY2023Q4 us-gaap Notes Payable
NotesPayable
1861700000 usd
CY2020Q4 us-gaap Proceeds From Issuance Of Long Term Debt
ProceedsFromIssuanceOfLongTermDebt
250000000 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
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
223406
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
28.52
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
CY2024Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
CY2024Q1 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
-0
CY2024Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
0
CY2024Q1 us-gaap Net Income Loss
NetIncomeLoss
26170000 usd
CY2023Q1 us-gaap Net Income Loss
NetIncomeLoss
26212000 usd
CY2024Q1 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
6292000 usd
CY2023Q1 us-gaap Preferred Stock Dividends Income Statement Impact
PreferredStockDividendsIncomeStatementImpact
6227000 usd
CY2024Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
19878000 usd
CY2023Q1 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
19985000 usd
CY2024Q1 atlc Net Income Loss Available To Common Stockholders Effect Of Dilutive Securities
NetIncomeLossAvailableToCommonStockholdersEffectOfDilutiveSecurities
597000 usd
CY2023Q1 atlc Net Income Loss Available To Common Stockholders Effect Of Dilutive Securities
NetIncomeLossAvailableToCommonStockholdersEffectOfDilutiveSecurities
592000 usd
CY2024Q1 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
20475000 usd
CY2023Q1 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
20577000 usd
CY2024Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
14673000
CY2023Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
14475000
CY2024Q1 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
4051000
CY2023Q1 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
4506000
CY2024Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
18724000
CY2023Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
18981000
CY2024Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.35
CY2023Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.38
CY2024Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.09
CY2023Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.08
CY2024Q1 atlc Weighted Average Number Of Shares Unvested Sharebased Payment Awards Basic
WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic
293578
CY2023Q1 atlc Weighted Average Number Of Shares Unvested Sharebased Payment Awards Basic
WeightedAverageNumberOfSharesUnvestedSharebasedPaymentAwardsBasic
188384
CY2024Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
100000
CY2023Q1 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
100000
CY2024Q1 atlc Sharebased Compensation Tax Charges To Additional Paid In Capital From Exercise And Vesting
SharebasedCompensationTaxChargesToAdditionalPaidInCapitalFromExerciseAndVesting
0 usd
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice
15.3
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
222406
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
28.58
CY2024Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P2Y2M12D
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
1273465 usd
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
194456
CY2024Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
26.82
CY2024Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P2Y1M6D
CY2024Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
1270798 usd

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