Atlanticus Holdings Corp Announces Senior Notes Offering

ATLANTA, Aug. 12, 2025 — Atlanticus Holdings Corporation (NASDAQ: ATLC), a leading company in the consumer finance sector, has announced an offering of $400 million in aggregate principal amount of Senior Notes due 2030. These notes will be issued by the company and guaranteed by certain of its domestic subsidiaries. The offering is targeted at “qualified institutional buyers” under Rule 144A of the Securities Act of 1933 and certain non-U.S. persons outside the United States in accordance with Regulation S.

The net proceeds from this offering are intended for several strategic purposes. Firstly, the funds will be used to repay amounts outstanding under the company’s recourse warehouse facilities. Additionally, the proceeds will support general corporate purposes, including funding future acquisitions of portfolios and associated businesses. The company also plans to use the funds for the partial or full repayment of its 6.125% Senior Notes due in 2026, either on or prior to their maturity. Lastly, a portion of the proceeds will cover fees and expenses related to the offering.

Stock Price Target Raised for Atlanticus Holdings

Earlier today, Atlanticus Holdings Corp saw its stock price target raised to $78 from $75 by JMP Securities. This adjustment reflects a positive outlook on the company’s financial performance and strategic initiatives.

Investor Confidence Boosted by Rating Upgrade

On Aug. 11, 2025, Atlanticus Holdings experienced a significant boost in investor confidence as its IBD SmartSelect Composite Rating increased from 94 to 97. This upgrade underscores the company’s strong market position and potential for growth within the consumer finance industry.

Company Overview

Atlanticus Holdings Corporation operates as a holding company specializing in private label credit and general-purpose credit cards. The company serves a wide range of consumers through various channels, including retail, healthcare, direct mail solicitation, and digital marketing. Based in Atlanta, United States, Atlanticus Holdings has been publicly traded on the Nasdaq since its IPO on April 23, 1999. As of Aug. 10, 2025, the company’s stock closed at $59.52, with a market capitalization of approximately $900 million. The company’s financial health is further highlighted by its price-to-earnings ratio of 9.91.

For more information on Atlanticus Holdings Corporation and its offerings, visit www.atlanticus.com .