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Sep 30, 2025
Atlanticus Q3 2025 Earnings Report
Atlanticus reported higher revenue and adjusted earnings, driven by organic growth and the Mercury acquisition.
Key Takeaways
Atlanticus delivered a strong Q3 2025 performance with significant revenue growth and a boost in adjusted earnings, supported by record purchase volumes and the transformative acquisition of Mercury Financial.
Total revenue grew 40.8% YoY to $494.7 million.
Net income attributable to common shareholders was $22.7 million.
Adjusted net income rose to $27.9 million, or $1.48 per diluted share.
Record $1.19 billion in purchase volume processed in the quarter.
Revenue by Geographic Location
Forward Guidance
Atlanticus anticipates continued growth in receivables, revenue, and operating efficiencies following the Mercury acquisition.
Positive Outlook
- Continued expansion in private label and credit card receivables.
- Integration of Mercury progressing ahead of plan.
- Product and pricing changes expected to improve revenue.
- New acquisitions, like Vive portfolio, will drive diversification.
- Credit performance improving with tightened underwriting.
Challenges Ahead
- Interest expense expected to rise with higher borrowing costs.
- Marketing costs likely to increase due to growth plans.
- Seasonal contraction expected in Q4 for private label receivables.
- Integration costs from Mercury acquisition impacting short-term results.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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