Velarion · Company Intelligence
Compensation Brief
Fiscal year 2025 · Filings through 2026-08-17

Atlanticus Holdings (ATLC)

CEO Jeffrey Howard was paid $2,099,003 in fiscal year 2025, ↑ up 15.8% from fiscal year 2024 (SEC filing 0001437749-26-012028 ↗): executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.

$2,631,015
David Hanna total, FY2025
Executive Chairman of the Board — highest-paid officer; CEO Jeffrey Howard: $2,099,003
—
CEO (Jeffrey Howard) pay percentile vs peers
17:1
CEO-to-median pay ratio
87.21%
Say-on-pay support, latest vote

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Ask our research desk — $99, 24h, every figure cited to its filing.

Sample answer — “What is the CEO’s total compensation?”
- Jeffrey Howard (President and Chief Executive Officer), FY2025 total compensation $2,099,003 (base salary $850,000) [exec_comp, SEC accession 0001437749-26-012028, filed 2026-04-10]

Answered within 24 hours, every figure cited to its SEC filing. If our database cannot answer your question, you are refunded automatically.

ATLC's next annual pay disclosure, estimated April 6, 2027.est. Filing ↗

01

Summary Compensation Table — fiscal year 2025

Named executive officerSalaryBonusStock awardsOption awardsNon-equity incentivePension / NQDCAll otherTotal
David Hanna$600,000$0$0$0$0$0$2,031,015$2,631,015
Executive Chairman of the Board
Jeffrey Howard850,0001,000,000238,50300010,5002,099,003
President and Chief Executive Officer
William McCamey750,000750,000166,81400010,5001,677,314
Chief Financial Officer

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officerFY2025 totalFY2024 totalFY2023 totalΔ FY2024→2025
David Hanna$2,631,015$2,318,288$2,144,841↑ +312,727
Jeffrey Howard2,099,0031,812,3752,049,906↑ +286,628
William McCamey1,677,3141,425,3731,591,920↑ +251,941

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

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Companies that benchmark against ATLC
6 companies name ATLC as a compensation peer

Each company listed discloses ATLC in its own benchmarking peer group, as disclosed in each company's most recent proxy statement within the last two proxy seasons. Two companies are therefore absent by design: one that named ATLC in an earlier year and no longer does, and one whose own most recent disclosure is older than the last two seasons.

01c

Board of directors

One page per director: the seat, the committees and the fee table, read for one person at a time.

DirectorRoleFY2025 total
Deal W. HudsonIndependent Director$159,066
Denise M. HarrodIndependent Director$198,066
Dennis H. James, JrIndependent Director$162,066
Joann G. JonesIndependent Director$153,066
Mack F. MattinglyIndependent Director$143,066
02

Equity transactions since the proxy statement was filed

Every insider equity transaction reported on Form 4 after the 2025 proxy statement — acquisitions, dispositions, exercises, and withholdings — and therefore not reflected in any table in that document.

InsiderRoleTransaction dateCodeSharesPriceValueSecuritySource
William Brinkley DickersonDirector2026-05-18A1,050$0$0CommonForm 4 ↗
Blake PaulsonDirector2026-05-18A1,05000CommonForm 4 ↗
David G. HannaDirector2026-06-12D100,00000Common, indirectForm 4 ↗
Frank J. Hanna IIIGreater-than-10% holder2026-06-12D100,00000Common, indirectForm 4 ↗
Jeffrey A. HowardDirector2026-06-26D10,0001091,094,500Common, open-market saleForm 4 ↗
William McCameyChief Financial Officer2026-06-26D10,0001091,094,500Common, open-market saleForm 4 ↗
Mitchell SaundersChief Accounting Officer2026-06-29D10,0001021,022,000Common, open-market saleForm 4 ↗
David G. HannaDirector2026-06-29D1,005105105,525CommonForm 4 ↗
Frank J. Hanna IIIGreater-than-10% holder2026-06-29D1,005105105,525Common, indirectForm 4 ↗
David G. HannaDirector2026-06-30D8,319103857,523Common, open-market saleForm 4 ↗
Frank J. Hanna IIIGreater-than-10% holder2026-06-30D8,319103857,523Common, indirectForm 4 ↗
Jeffrey A. HowardDirector2026-06-30D10,0001031,030,100Common, open-market saleForm 4 ↗
William McCameyChief Financial Officer2026-06-30D10,0001031,030,100Common, open-market saleForm 4 ↗
Frank J. Hanna IIIGreater-than-10% holder2026-07-01D15,6761041,634,380Common, indirectForm 4 ↗
David G. HannaDirector2026-07-01D15,6761041,634,380Common, open-market saleForm 4 ↗
Mitchell SaundersChief Accounting Officer2026-08-14D1,50000CommonForm 4 ↗

Transaction codes per Form 4: A acquisition · S open-market sale · F tax withholding · M option exercise · G gift. Value = shares × price as reported. Dividend-equivalent and fractional-share accrual rows (derivative Class A, under $10,000 and under 2,000 shares) are aggregated per date; every row appears in full below.

03

Grants of plan-based awards — fiscal year 2025

ExecutiveAwardGrant dateThresholdTargetGrantedMaximumGrant-date fair value
Jeffrey HowardRSU2025-03-20——4,651—$238,503
William McCameyRSU2025-03-20——3,253—166,814
03b

Vehicle mix — grant-date fair value by award type

Named executive officerTime-vested (RSU)Performance-vested (PSU)Options / SARs% performance-vested
Jeffrey Howard$238,503$0$00.0%
William McCamey166,814000.0%

% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.

04

Outstanding equity awards at fiscal year-end 2025

ExecutiveAwardShares unvestedExercise priceMarket value unvested
William McCameyRSU3,253—$217,788
Jeffrey HowardRSU10,342—692,397
Jeffrey HowardRSU9,503—636,226
William McCameyRSU6,645—444,883
William McCameyRSU7,220—483,379
Jeffrey HowardRSU4,651—311,384
Jeffrey HowardRSU220—14,729
William McCameyRSU220—14,729
05

Incentive-plan design — the Compensation Discussion & Analysis

executive compensation must (i) provide a strong incentive for executives to achieve Atlanticus goals, (ii) reward executives with equity interests in Atlanticus and align their interests with shareholder interests to build shareholder value and (iii) attract and retain key executives critical to Atlanticus long-term success

CEO STI target (% of salary)—
CEO LTI target (% of salary)—
Independent consultant—
Clawback policytrue
Anti-hedgingfalse
Anti-pledgingfalse
06

Say-on-pay — recent advisory votes

Meeting yearMeeting dateForAgainstAbstainSupportOutcome
20252025-05-089,943,0801,457,91690587.21%Passed
20222022-05-1010,137,14931,3906,14699.69%Passed
20192019-05-0910,345,478796,35067092.85%Passed
20162016-05-1211,287,52573,1711,20599.36%Passed

Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.

Say-on-pay — history, company's computation

Meeting yearMeeting dateApproval — company's computation
20252025-05-0887.21%a
20222022-05-1099.69%b
20192019-05-0992.85%c

a. Approved under the standard stated in the filing — “Abstentions and broker non-votes are not considered "votes cast" and therefore will have no effect on the outcome of Proposal Two.”.

b. Approved under the standard stated in the filing — “Abstentions and broker non-votes are not considered "votes cast" and therefore will have no effect on the outcome of Proposal Two.”.

c. Approved under the standard stated in the filing — “Abstentions and broker non-votes are not considered "votes cast" and therefore will have no effect on the outcome of Proposal Two.”.

Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.

07

CEO pay ratio

Ratio (CEO : median employee)17 : 1
CEO total compensation$2,099,003
Median employee compensation$125,000
08

Director compensation — fiscal year 2025

DirectorCash feesStock awardsOption awardsNon-equity incentiveAll otherTotal
Denise M. HarrodIndependent · Nominating and Corporate Governance · Social Impact (Chair)$105,000$63,066$0$0$30,000$198,066
Dennis H. James, JrIndependent · Audit (Chair) · Nominating and Corporate Governance99,00063,066000162,066
Deal W. HudsonIndependent · Nominating and Corporate Governance (Chair) · Compensation · Social Impact96,00063,066000159,066
Joann G. JonesIndependent · Audit · Compensation (Chair)90,00063,066000153,066
Mack F. MattinglyIndependent · Audit · Compensation80,00063,066000143,066
David G. HannaEmployee director · Board Chair000—00
Jeffrey A. HowardEmployee director · Social Impact000—00
09

Board fee structure and ownership guideline

Annual cash retainer$50,000
Annual equity retainer$63,066
Per board meeting fee$3,000
Committee chair fees (audit / comp / nom-gov)25,000 / 10,000 / 10,000
Stock ownership guideline—
09b

Total cost of the board

ComponentFY2025
Cash retainers and fees$470,000
Equity awards (grant-date value)$315,330
All other compensation$30,000
Total cost of the board$815,330

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

10b

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.

RankCompanyFYChief executiveSalaryStock awardsOption awardsNon-equity incentiveTotal
1Atlanticus Holdings2025Jeffrey Howard$850,000$238,503$0$0$2,099,003

Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

10d

Frequently asked questions

Who was the highest-paid executive at Atlanticus Holdings in fiscal 2025?
As disclosed, David Hanna (Executive Chairman of the Board) was the highest-paid executive at Atlanticus Holdings in fiscal 2025, with total compensation of $2,631,015.
What is Atlanticus Holdings's CEO-to-median employee pay ratio?
As disclosed, Atlanticus Holdings's CEO-to-median employee pay ratio was 17:1.
How did shareholders vote on Atlanticus Holdings's executive compensation?
As disclosed, 87.21% of shareholders supported Atlanticus Holdings's executive compensation in the latest say-on-pay vote.
How much does Atlanticus Holdings spend in total on board compensation for fiscal 2025?
As disclosed, Atlanticus Holdings reported total board compensation of $815,330 for fiscal 2025.

Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.

11

Source register

Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.

#SupportsDocumentFiledAccessionLocation in document
1Section 01, David HannaDEF 14A2026-04-100001437749-26-012028Section “Summary Compensation Table”. As printed: 2,631,015. Filing ↗machine: r1 · c23 · span 214629–214638
2Section 01, Jeffrey HowardDEF 14A2026-04-100001437749-26-012028Section “Summary Compensation Table”. As printed: 2,099,003. Filing ↗machine: r5 · c23 · span 228717–228726
3Section 01, William McCameyDEF 14A2026-04-100001437749-26-012028Section “Summary Compensation Table”. As printed: 1,677,314. Filing ↗machine: r9 · c23 · span 242855–242864
4Section 03, Jeffrey Howard RSUDEF 14A2026-04-100001437749-26-012028Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t39 · r3 · c10 · span 262919–262926
5Section 03, William McCamey RSUDEF 14A2026-04-100001437749-26-012028Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t39 · r5 · c10 · span 266300–266307
6Section 07, pay ratioDEF 14A2026-04-100001437749-26-012028Section “CEO Pay Ratio”. As printed: 17 : 1. Filing ↗machine: t60 · span 617135–617302
7Section 08, Denise M. HarrodDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 198,066. Filing ↗machine: span 445546–445612
8Section 08, Dennis H. James, JrDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 162,066. Filing ↗
9Section 08, Deal W. HudsonDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 159,066. Filing ↗
10Section 08, Joann G. JonesDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 153,066. Filing ↗
11Section 08, Mack F. MattinglyDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 143,066. Filing ↗
12Section 08, David G. HannaDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 0. Filing ↗
13Section 08, Jeffrey A. HowardDEF 14A2026-04-100001437749-26-012028Section “Director Compensation”. As printed: 0. Filing ↗
14Section 02, William Brinkley Dickerson 2026-05-18Form 42026-07-070001437749-26-022957Insider equity transaction reported since the proxy statement. Filing ↗
15Section 02, Blake Paulson 2026-05-18Form 42026-07-080001437749-26-023075Insider equity transaction reported since the proxy statement. Filing ↗
16Section 02, David G. Hanna 2026-06-12Form 42026-06-160001437749-26-020828Insider equity transaction reported since the proxy statement. Filing ↗
17Section 02, Frank J. Hanna III 2026-06-12Form 42026-06-160001437749-26-020827Insider equity transaction reported since the proxy statement. Filing ↗
18Section 02, Jeffrey A. Howard 2026-06-26Form 42026-06-260001437749-26-021877Insider equity transaction reported since the proxy statement. Filing ↗
19Section 02, William McCamey 2026-06-26Form 42026-06-260001437749-26-021878Insider equity transaction reported since the proxy statement. Filing ↗
20Section 02, Mitchell Saunders 2026-06-29Form 42026-07-010001437749-26-022367Insider equity transaction reported since the proxy statement. Filing ↗
21Section 02, David G. Hanna 2026-06-29Form 42026-07-010001437749-26-022368Insider equity transaction reported since the proxy statement. Filing ↗
22Section 02, Frank J. Hanna III 2026-06-29Form 42026-07-010001437749-26-022369Insider equity transaction reported since the proxy statement. Filing ↗
23Section 02, David G. Hanna 2026-06-30Form 42026-07-010001437749-26-022368Insider equity transaction reported since the proxy statement. Filing ↗
24Section 02, Frank J. Hanna III 2026-06-30Form 42026-07-010001437749-26-022369Insider equity transaction reported since the proxy statement. Filing ↗
25Section 02, Jeffrey A. Howard 2026-06-30Form 42026-07-020001437749-26-022645Insider equity transaction reported since the proxy statement. Filing ↗
26Section 02, William McCamey 2026-06-30Form 42026-07-020001437749-26-022646Insider equity transaction reported since the proxy statement. Filing ↗
27Section 02, Frank J. Hanna III 2026-07-01Form 42026-07-010001437749-26-022369Insider equity transaction reported since the proxy statement. Filing ↗
28Section 02, David G. Hanna 2026-07-01Form 42026-07-010001437749-26-022368Insider equity transaction reported since the proxy statement. Filing ↗
29Section 02, Mitchell Saunders 2026-08-14Form 42026-08-170001437749-26-028239Insider equity transaction reported since the proxy statement. Filing ↗
30Section 06, 2025 voteForm 8-K2025-05-130001437749-25-016493Item 5.07 · say-on-pay result. As reported: 87.21% (votes for as printed: 9,943,080). Filing ↗
31Section 06, 2022 voteForm 8-K2022-05-160001437749-22-012625Item 5.07 · say-on-pay result. As reported: 99.69%. Filing ↗
32Section 06, 2019 voteForm 8-K2019-05-140001437749-19-009840Item 5.07 · say-on-pay result. As reported: 92.85%. Filing ↗
33Section 01 trend, Δ column (computed)Computed——Δ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1)
34Section 03b vehicle mix (computed)Computed——RSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).machine: formula: sums + PSU ratio
35Section 09b board cost (computed)Computed——Cash 470,000 + equity 315,330 + all other 30,000 = 815,330, summed across the director compensation table rows.machine: formula: Σ = 815,330
36Atlanticus Holdings (subject), Section 10b CEO totalDEF 14A2026-04-100001437749-26-012028CEO total compensation as printed in Atlanticus Holdings's own proxy. As printed: 2,099,003. Filing ↗machine: r5 · c23 · span 228717–228726

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