Atlanticus Holdings Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	118.37	111.3	102.85	135.6	177.9	94.12
Depreciation & Amortization	7.18	5.19	4.04	4.85	2.49	7.95
Other Amortization	16.87	11.83	7.18	5.1	5.57	5.72
Provision for Credit Losses	867.33	749.84	691.73	578.32	255.19	251.27
Loss (Gain) on Equity Investments	-	-	-	-	-0.02	-0.46
Stock-Based Compensation	3.67	3.9	3.78	4.17	3.24	1.36
Change in Accounts Payable	12.84	2.54	18.41	4.26	6.01	-3.1
Change in Income Taxes	-2.47	-2.25	-12.69	-10.56	21.84	20.15
Change in Other Net Operating Assets	-359.65	-270.98	-244.17	-252.86	-111.84	-43.39
Other Operating Activities	-168.47	-141.95	-111.82	-121.24	-147.41	-120.88
Operating Cash Flow	494.31	469.41	459.32	347.63	212.37	212.73
Operating Cash Flow Growth	3.10%	2.20%	32.13%	63.69%	-0.17%	112.81%
Capital Expenditures	-6.48	-1.79	-3.99	-4.85	-7.09	-0.75
Sale of Property, Plant & Equipment	-	-	-	-	1.1	-
Investment in Securities	-	-	-	-	0.16	1
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,182	-789.35	-719.79	-709.79	-483.26	-306.61
Other Investing Activities	57.57	44.11	51.58	32.36	14.07	13.78
Investing Cash Flow	-1,203	-747.03	-672.2	-682.29	-475.02	-292.58
Long-Term Debt Issued	-	1,029	955.28	680.53	1,066	588.23
Long-Term Debt Repaid	-	-566.24	-753.88	-309.75	-586.5	-460.26
Net Debt Issued (Repaid)	918.54	462.98	201.4	370.77	479.81	127.97
Issuance of Preferred Stock	5.78	1.08	1.12	0.44	75.27	-
Issuance of Common Stock	20.14	8.06	3.41	3.73	1.89	1.33
Repurchase of Common Stock	-78.22	-52.67	-17.67	-89.01	-25.22	-3.35
Preferred Dividends Paid	-16.13	-25.74	-24.91	-24.79	-21.81	-13.56
Total Dividends Paid	-16.13	-25.74	-24.91	-24.79	-21.81	-13.56
Other Financing Activities	0.13	-0.1	0	0.11	0.39	50
Financing Cash Flow	850.24	393.61	163.35	261.26	510.33	162.39
Foreign Exchange Rate Adjustments	-	-	0	-0.04	-0.01	0.02
Net Cash Flow	141.23	115.98	-49.54	-73.44	247.67	82.57
Free Cash Flow	487.84	467.62	455.33	342.78	205.28	211.99
Free Cash Flow Growth	1.80%	2.70%	32.83%	66.98%	-3.16%	112.59%
Free Cash Flow Margin	97.86%	116.92%	128.56%	88.82%	47.24%	82.42%
Free Cash Flow Per Share	25.52	24.87	24.11	17.69	9.82	10.54
Cash Interest Paid	203.65	145.67	99.45	75.36	47.61	46.53
Cash Income Tax Paid	0.74	0.23	1.47	4.25	19.95	0.33

Updated Nov 10, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q