Atlanticus Holdings Corporation · NASDAQ:ATLC
Atlanticus — Q2 2026 Earnings Presentation
9 slides from Atlanticus's earnings presentation, 2026
Slide 1: Financial Highlights Q2 2026
Financial Highlights Q2 2026 NASDAQ: ATLC
Slide 2: Quarterly Highlights
Quarterly Highlights (1) 89.0% Increase in Total operating revenue and other income to $744.3 million $2.50 Diluted earnings per share 126.2% 790,000+ Increase in managed receivables(2) New accounts served to $6.9 billion during the quarter 1) Percentages referenced against same period YoY and refle
Slide 3: Performance Summary
Performance Summary Total Revenue Accounts Served(1) CAGR: 31% CAGR: 27% $800,000 7,000,000 $700,000 6,000,000 $600,000 5,000,000 $500,000 4,000,000 $400,000 3,000,000 $300,000 $200,000 2,000,000 $100,000 1,000,000 $0 0 Q3-21 Q3-23 Q3-21 Q1-20 Q3-20 Q4-20 Q1-21 Q4-21 Q1-22 Q3-22 Q1-23 Q4-23 Q3-24 Q1
Slide 4: Diversified Product Approach
Diversified Product Approach 6.3M Accounts Served 13.4M LTD Accounts Served(1) General Purpose Credit Card General Purpose Credit Card 9.3M 4.6M Private Label Credit Private Label Credit 4.1M 1.7M $3.06B Purchases YTD 2026 $6.9B Total Managed Receivables(2) General Purpose Credit Card General Purpos
Slide 5: Q2 Financial Highlights
Q2 Financial Highlights For the Three Months Ended June 30, 2026 2025 Total operating revenue and other income $ 744,314 $ 393,820 Other non-operating income 9 343 Interest expense (123,431) (53,684) Provision for credit losses (1,038) (1,382) Changes in fair value of loans (396,280) (216,777) Net m
Slide 6: Condensed Consolidated Statements of Income
Condensed Consolidated Statements of Income For the Three Months Ended For the Six Months Ended June 30, June 30, 2026 2025 2026 2025 Revenue and other income: Consumer loans, including past due fees $ 545,086 $ 276,350 $ 1,074,531 $ 524,005 Fees and related income on earning assets 150,878 94,285 2
Slide 7: Condensed Consolidated Balance Sheets
Condensed Consolidated Balance Sheets June 30, December 31, 2026 2025 Assets Unrestricted cash and cash equivalents $ 555,215 $ 621,093 Restricted cash and cash equivalents 89,965 146,314 Loans at fair value 6,658,748 6,647,882 Loans at amortized cost, net 77,731 82,884 Property at cost, net of depr
Slide 8: Non-GAAP Financial Measures
Non-GAAP Financial Measures At or for the Three Months Ended 2026 2025 2024 (in Millions) Jun. 30 Mar. 31 Dec. 31 Sep. 30 Jun. 30 Mar. 31 Dec. 31 Loans at fair value $6,659 $6,452 $6,648 $6,350 $3,005 $2,669 $2,630 Fair value mark against receivable (1) $233 $273 $306 $250 $42 $38 $95 Total managed
Slide 9: Market, Industry and Other Data; Trademarks, Service Marks and Trade Names
Market, Industry and Other Data This presentation contains statistical data and estimates, including those relating to market size and competitive position of the markets in which we participate, that we obtained from our own internal estimates and research, as well as from industry and general publ