Form 8-K

8-K — Atlanticus Holdings Corp

Accession: 0001437749-26-030605

Filed: 2026-09-17

Period: 2026-09-17

CIK: 0001464343

SIC: 6141 (PERSONAL CREDIT INSTITUTIONS)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — atlc20260915_8k.htm (Primary)

EX-99.1 — EXHIBIT 99.1 (ex_1016896.htm)

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

____________________________

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): September 17, 2026

Atlanticus Holdings Corporation

(Exact name of registrant as specified in its charter)

Georgia

000-53717

58-2336689

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

Five Concourse Parkway, Suite 300, Atlanta, Georgia 30328

(Address of principal executive offices)

Registrant’s telephone number, including area code: 770-828-2000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class

Trading Symbol

Name of exchange on which registered

Common stock, no par value

ATLC

Nasdaq Global Select Market

7.625% Series B Cumulative Perpetual Preferred Stock, no par value

ATLCP

Nasdaq Global Select Market

6.125% Senior Notes due 2026

ATLCL

Nasdaq Global Select Market

9.25% Senior Notes due 2029

ATLCZ

Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01. Other Events.

On September 17, 2026, Atlanticus Holdings Corporation, a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, announced that it completed the sale of its CAR Auto Finance operations to an unaffiliated third party. The press release announcing the completion of the transaction is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Item 9.01. Financial Statements and Exhibits

Exhibits.

Exhibit

Number

Description

99.1

Press Release dated September 17, 2026

104

Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

ATLANTICUS HOLDINGS CORPORATION

Date: September 17, 2026

By:

/s/ William R. McCamey

Name: William R. McCamey

Title: Chief Financial Officer

EX-99.1 — EXHIBIT 99.1

EX-99.1

Filename: ex_1016896.htm · Sequence: 2

ex_1016896.htm

Exhibit 99.1

Atlanticus Completes Sale of CAR Auto Finance Operations

ATLANTA, Sep. 17, 2026 (GLOBE NEWSWIRE) -- Atlanticus Holdings Corporation (NASDAQ: ATLC) (“Atlanticus,” the “Company,” “we,” “our” or “us”), a financial technology company that enables its bank, retail and healthcare partners to offer more inclusive financial services to millions of everyday Americans, today announced that it has completed the sale of its CAR Auto Finance operations (“CAR”) to an unaffiliated third party.

CAR comprised 100% of the Company’s Auto Finance segment. Following the transaction, Atlanticus will no longer operate an Auto Finance segment. Total consideration to Atlanticus was approximately $71.2 million, consisting of $56.2 million in cash and a $15.0 million seller note. Approximately 154 team members associated with CAR are transitioning to the buyer in connection with the transaction.

“We are pleased to announce the completion of the sale of CAR,” said Jeff Howard, President and Chief Executive Officer of Atlanticus. “CAR has been a valuable part of Atlanticus for many years, and I want to thank the entire CAR team for their many contributions to our success. The transaction strengthens our balance sheet and allows us to concentrate our capital and management resources on the consumer credit products where we see the greatest opportunities for long-term value creation and growth.”

Atlanticus expects to use the cash proceeds from the sale to reduce debt and invest in higher-growth product lines.

About Atlanticus Holdings Corporation

Empowering Better Financial Outcomes for Everyday Americans

Atlanticus Holdings Corporation empowers better financial outcomes for Everyday Americans by enabling bank, retail, and healthcare partners to offer more inclusive financial solutions to consumers. Leveraging proprietary technology and advanced analytics, Atlanticus applies more than 30 years of operating experience, servicing over 23 million customers and more than $53 billion in consumer loans, to support lenders across a broad range of consumer credit products. These offerings span retail and healthcare private-label credit and general purpose credit cards, through an omnichannel platform, including strategic partnerships.

Atlanticus is guided by the principles of responsible lending, smart innovation, and expanding access to credit for consumers working toward a stronger financial future.

Forward-Looking Statements

This press release contains forward-looking statements that reflect the Company’s current views regarding, among other things, the expected transition of employees, the Company’s intended use of proceeds from the transaction, capital allocation and future investment and growth opportunities. These statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those included in the forward-looking statements. These risks and uncertainties include those risks described in the Company's filings with the Securities and Exchange Commission. The forward-looking statements speak only as of the date on which they are made, and, except to the extent required by federal securities laws, the Company disclaims any obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events. In light of these risks and uncertainties, there is no assurance that the events or results suggested by the forward-looking statements will in fact occur, and you should not place undue reliance on these forward-looking statements.

Contact:

Investor Relations, investors@atlanticus.com

Dan Mauch, daniel.mauch@atlanticus.com

Sara Savarino, sara.savarino@atlanticus.com

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Document And Entity Information

Sep. 17, 2026

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