Atlanticus Refinances $750 Million Bond, Achieving 200+ Basis Points Rate Reduction
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 10 2025
0mins
Source: Globenewswire
- Successful Refinancing: On December 4, 2025, Atlanticus successfully refinanced $750 million in term securitization, with the new bonds having a three-year term and more favorable structural elements, achieving an immediate reduction of over 200 basis points in the coupon rate, significantly lowering financing costs and enhancing financial flexibility.
- Investor Support: CEO Jeff Howard noted that the continued support from global investors in their securitization programs was crucial to this refinancing success, indicating strong market confidence in Atlanticus and its Mercury subsidiaries, further driving brand expansion.
- Integration Progress: Atlanticus is ahead of plan in its integration efforts between Atlanticus and Mercury, with focused teamwork laying a solid foundation for future success, which is expected to continue driving business growth.
- Long-term Strategic Goals: This refinancing not only reduces costs but also establishes a foundation for Atlanticus to achieve broader financial service coverage in 2026 and beyond, aiming to empower more everyday Americans and improve their financial outcomes.
Get Free Real-Time Notifications for Any Stock
Monitor tickers like ATLC with instant alerts to capture every critical market movement.
Sign up for free to build your custom watchlist and receive professional-grade stock notifications.
Analyst Views on ATLC
Wall Street analysts forecast ATLC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ATLC is 98.33 USD with a low forecast of 90.00 USD and a high forecast of 105.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
3 Buy
0 Hold
0 Sell
Strong Buy
Current: 50.620
Low
90.00
Averages
98.33
High
105.00
Current: 50.620
Low
90.00
Averages
98.33
High
105.00
About ATLC
Atlanticus Holdings Corporation is a financial technology company. The Company is focused on facilitating consumer credit through the use of financial technology and related services. The Credit as a Service (CaaS) segment includes its private-label credit and general-purpose credit cards, which, through its bank partners, provide financing solutions to consumers. The Auto Finance segment purchases and/or services loans secured by automobiles and provides other financing options to independent automotive dealers and automotive finance companies. Its private-label and general-purpose card products are originated by The Bank of Missouri and WebBank. Its bank partners originate these accounts through multiple channels, including retail and healthcare point-of-sale locations, direct mail solicitation, digital marketing and partnerships with third parties. The Company uses its technology and proprietary predictive analytics, lenders can make instant credit decisions.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Atlanticus Refinances $750 Million Bond, Achieving 200+ Basis Points Rate Reduction
- Successful Refinancing: On December 4, 2025, Atlanticus successfully refinanced $750 million in term securitization, with the new bonds having a three-year term and more favorable structural elements, achieving an immediate reduction of over 200 basis points in the coupon rate, significantly lowering financing costs and enhancing financial flexibility.
- Investor Support: CEO Jeff Howard noted that the continued support from global investors in their securitization programs was crucial to this refinancing success, indicating strong market confidence in Atlanticus and its Mercury subsidiaries, further driving brand expansion.
- Integration Progress: Atlanticus is ahead of plan in its integration efforts between Atlanticus and Mercury, with focused teamwork laying a solid foundation for future success, which is expected to continue driving business growth.
- Long-term Strategic Goals: This refinancing not only reduces costs but also establishes a foundation for Atlanticus to achieve broader financial service coverage in 2026 and beyond, aiming to empower more everyday Americans and improve their financial outcomes.
Continue Reading
Atlanticus Holdings Corporation Reports Decline in Q3 Income, Falling Short of Projections
Earnings Performance: Atlanticus Holdings Corporation reported a third-quarter profit of $22.67 million, down from $23.22 million the previous year, resulting in earnings per share of $1.21 compared to $1.27 last year.
Analyst Expectations: The company's earnings fell short of analysts' expectations, which had forecasted earnings of $1.79 per share, typically excluding special items.
Revenue Growth: Despite the drop in earnings, Atlanticus Holdings saw a significant revenue increase of 40.8%, rising to $494.67 million from $351.22 million in the same quarter last year.
Earnings Summary: Key financial figures for Atlanticus Holdings include earnings of $22.67 million, EPS of $1.21, and revenue of $494.67 million, reflecting both a decline in earnings and substantial revenue growth.
Continue Reading