Risk factors

Atlanticus Holdings (ATLC) risk factors

Item 1A of every Atlanticus Holdings Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    18 risks, 5 new, 2 dropped, 4 reworded since the prior year. Atlanticus Holdings added execution risks from the Mercury acquisition and rising inflation impacts on consumer credit. Regulatory scrutiny on credit products and debtor relief laws expanded. Cybersecurity and data privacy risk language shifted to model design and quantitative flaws.

    Filed Mar 12, 2026
  • FY2024 10-K risk factors

    56 risks. Collecting less-than-prime receivables and securing borrowed funding dominate the company’s financial risks.

    Filed Mar 13, 2025