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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ATLC's next annual pay disclosure, estimated April 6, 2027.est. Filing ↗
| Named executive officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension / NQDC | All other | Total |
|---|---|---|---|---|---|---|---|---|
| David Hanna | $600,000 | $0 | $0 | $0 | $0 | $0 | $2,031,015 | $2,631,015 |
| Executive Chairman of the Board | ||||||||
| Jeffrey Howard | 850,000 | 1,000,000 | 238,503 | 0 | 0 | 0 | 10,500 | 2,099,003 |
| President and Chief Executive Officer | ||||||||
| William McCamey | 750,000 | 750,000 | 166,814 | 0 | 0 | 0 | 10,500 | 1,677,314 |
| 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.
| Named executive officer | FY2025 total | FY2024 total | FY2023 total | Δ FY2024→2025 |
|---|---|---|---|---|
| David Hanna | $2,631,015 | $2,318,288 | $2,144,841 | ↑ +312,727 |
| Jeffrey Howard | 2,099,003 | 1,812,375 | 2,049,906 | ↑ +286,628 |
| William McCamey | 1,677,314 | 1,425,373 | 1,591,920 | ↑ +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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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.
One page per director: the seat, the committees and the fee table, read for one person at a time.
| Director | Role | FY2025 total |
|---|---|---|
| Deal W. Hudson | Independent Director | $159,066 |
| Denise M. Harrod | Independent Director | $198,066 |
| Dennis H. James, Jr | Independent Director | $162,066 |
| Joann G. Jones | Independent Director | $153,066 |
| Mack F. Mattingly | Independent Director | $143,066 |
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.
| Insider | Role | Transaction date | Code | Shares | Price | Value | Security | Source |
|---|---|---|---|---|---|---|---|---|
| William Brinkley Dickerson | Director | 2026-05-18 | A | 1,050 | $0 | $0 | Common | Form 4 ↗ |
| Blake Paulson | Director | 2026-05-18 | A | 1,050 | 0 | 0 | Common | Form 4 ↗ |
| David G. Hanna | Director | 2026-06-12 | D | 100,000 | 0 | 0 | Common, indirect | Form 4 ↗ |
| Frank J. Hanna III | Greater-than-10% holder | 2026-06-12 | D | 100,000 | 0 | 0 | Common, indirect | Form 4 ↗ |
| Jeffrey A. Howard | Director | 2026-06-26 | D | 10,000 | 109 | 1,094,500 | Common, open-market sale | Form 4 ↗ |
| William McCamey | Chief Financial Officer | 2026-06-26 | D | 10,000 | 109 | 1,094,500 | Common, open-market sale | Form 4 ↗ |
| Mitchell Saunders | Chief Accounting Officer | 2026-06-29 | D | 10,000 | 102 | 1,022,000 | Common, open-market sale | Form 4 ↗ |
| David G. Hanna | Director | 2026-06-29 | D | 1,005 | 105 | 105,525 | Common | Form 4 ↗ |
| Frank J. Hanna III | Greater-than-10% holder | 2026-06-29 | D | 1,005 | 105 | 105,525 | Common, indirect | Form 4 ↗ |
| David G. Hanna | Director | 2026-06-30 | D | 8,319 | 103 | 857,523 | Common, open-market sale | Form 4 ↗ |
| Frank J. Hanna III | Greater-than-10% holder | 2026-06-30 | D | 8,319 | 103 | 857,523 | Common, indirect | Form 4 ↗ |
| Jeffrey A. Howard | Director | 2026-06-30 | D | 10,000 | 103 | 1,030,100 | Common, open-market sale | Form 4 ↗ |
| William McCamey | Chief Financial Officer | 2026-06-30 | D | 10,000 | 103 | 1,030,100 | Common, open-market sale | Form 4 ↗ |
| Frank J. Hanna III | Greater-than-10% holder | 2026-07-01 | D | 15,676 | 104 | 1,634,380 | Common, indirect | Form 4 ↗ |
| David G. Hanna | Director | 2026-07-01 | D | 15,676 | 104 | 1,634,380 | Common, open-market sale | Form 4 ↗ |
| Mitchell Saunders | Chief Accounting Officer | 2026-08-14 | D | 1,500 | 0 | 0 | Common | Form 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.
| Executive | Award | Grant date | Threshold | Target | Granted | Maximum | Grant-date fair value |
|---|---|---|---|---|---|---|---|
| Jeffrey Howard | RSU | 2025-03-20 | — | — | 4,651 | — | $238,503 |
| William McCamey | RSU | 2025-03-20 | — | — | 3,253 | — | 166,814 |
| Named executive officer | Time-vested (RSU) | Performance-vested (PSU) | Options / SARs | % performance-vested |
|---|---|---|---|---|
| Jeffrey Howard | $238,503 | $0 | $0 | 0.0% |
| William McCamey | 166,814 | 0 | 0 | 0.0% |
% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.
| Executive | Award | Shares unvested | Exercise price | Market value unvested |
|---|---|---|---|---|
| William McCamey | RSU | 3,253 | — | $217,788 |
| Jeffrey Howard | RSU | 10,342 | — | 692,397 |
| Jeffrey Howard | RSU | 9,503 | — | 636,226 |
| William McCamey | RSU | 6,645 | — | 444,883 |
| William McCamey | RSU | 7,220 | — | 483,379 |
| Jeffrey Howard | RSU | 4,651 | — | 311,384 |
| Jeffrey Howard | RSU | 220 | — | 14,729 |
| William McCamey | RSU | 220 | — | 14,729 |
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 policy | true |
| Anti-hedging | false |
| Anti-pledging | false |
| Meeting year | Meeting date | For | Against | Abstain | Support | Outcome |
|---|---|---|---|---|---|---|
| 2025 | 2025-05-08 | 9,943,080 | 1,457,916 | 905 | 87.21% | Passed |
| 2022 | 2022-05-10 | 10,137,149 | 31,390 | 6,146 | 99.69% | Passed |
| 2019 | 2019-05-09 | 10,345,478 | 796,350 | 670 | 92.85% | Passed |
| 2016 | 2016-05-12 | 11,287,525 | 73,171 | 1,205 | 99.36% | 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.
| Meeting year | Meeting date | Approval — company's computation |
|---|---|---|
| 2025 | 2025-05-08 | 87.21%a |
| 2022 | 2022-05-10 | 99.69%b |
| 2019 | 2019-05-09 | 92.85%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.
| Ratio (CEO : median employee) | 17 : 1 |
|---|---|
| CEO total compensation | $2,099,003 |
| Median employee compensation | $125,000 |
| Director | Cash fees | Stock awards | Option awards | Non-equity incentive | All other | Total |
|---|---|---|---|---|---|---|
| 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 Governance | 99,000 | 63,066 | 0 | 0 | 0 | 162,066 |
| Deal W. HudsonIndependent · Nominating and Corporate Governance (Chair) · Compensation · Social Impact | 96,000 | 63,066 | 0 | 0 | 0 | 159,066 |
| Joann G. JonesIndependent · Audit · Compensation (Chair) | 90,000 | 63,066 | 0 | 0 | 0 | 153,066 |
| Mack F. MattinglyIndependent · Audit · Compensation | 80,000 | 63,066 | 0 | 0 | 0 | 143,066 |
| David G. HannaEmployee director · Board Chair | 0 | 0 | 0 | — | 0 | 0 |
| Jeffrey A. HowardEmployee director · Social Impact | 0 | 0 | 0 | — | 0 | 0 |
| 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 | — |
| Component | FY2025 |
|---|---|
| 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.
Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.
| Rank | Company | FY | Chief executive | Salary | Stock awards | Option awards | Non-equity incentive | Total |
|---|---|---|---|---|---|---|---|---|
| 1 | Atlanticus Holdings | 2025 | Jeffrey 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.
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.
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.
| # | Supports | Document | Filed | Accession | Location in document |
|---|---|---|---|---|---|
| 1 | Section 01, David Hanna | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Summary Compensation Table”. As printed: 2,631,015. Filing ↗machine: r1 · c23 · span 214629–214638 |
| 2 | Section 01, Jeffrey Howard | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Summary Compensation Table”. As printed: 2,099,003. Filing ↗machine: r5 · c23 · span 228717–228726 |
| 3 | Section 01, William McCamey | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Summary Compensation Table”. As printed: 1,677,314. Filing ↗machine: r9 · c23 · span 242855–242864 |
| 4 | Section 03, Jeffrey Howard RSU | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t39 · r3 · c10 · span 262919–262926 |
| 5 | Section 03, William McCamey RSU | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t39 · r5 · c10 · span 266300–266307 |
| 6 | Section 07, pay ratio | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “CEO Pay Ratio”. As printed: 17 : 1. Filing ↗machine: t60 · span 617135–617302 |
| 7 | Section 08, Denise M. Harrod | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 198,066. Filing ↗machine: span 445546–445612 |
| 8 | Section 08, Dennis H. James, Jr | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 162,066. Filing ↗ |
| 9 | Section 08, Deal W. Hudson | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 159,066. Filing ↗ |
| 10 | Section 08, Joann G. Jones | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 153,066. Filing ↗ |
| 11 | Section 08, Mack F. Mattingly | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 143,066. Filing ↗ |
| 12 | Section 08, David G. Hanna | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 0. Filing ↗ |
| 13 | Section 08, Jeffrey A. Howard | DEF 14A | 2026-04-10 | 0001437749-26-012028 | Section “Director Compensation”. As printed: 0. Filing ↗ |
| 14 | Section 02, William Brinkley Dickerson 2026-05-18 | Form 4 | 2026-07-07 | 0001437749-26-022957 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 15 | Section 02, Blake Paulson 2026-05-18 | Form 4 | 2026-07-08 | 0001437749-26-023075 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 16 | Section 02, David G. Hanna 2026-06-12 | Form 4 | 2026-06-16 | 0001437749-26-020828 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 17 | Section 02, Frank J. Hanna III 2026-06-12 | Form 4 | 2026-06-16 | 0001437749-26-020827 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 18 | Section 02, Jeffrey A. Howard 2026-06-26 | Form 4 | 2026-06-26 | 0001437749-26-021877 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 19 | Section 02, William McCamey 2026-06-26 | Form 4 | 2026-06-26 | 0001437749-26-021878 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 20 | Section 02, Mitchell Saunders 2026-06-29 | Form 4 | 2026-07-01 | 0001437749-26-022367 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 21 | Section 02, David G. Hanna 2026-06-29 | Form 4 | 2026-07-01 | 0001437749-26-022368 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 22 | Section 02, Frank J. Hanna III 2026-06-29 | Form 4 | 2026-07-01 | 0001437749-26-022369 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 23 | Section 02, David G. Hanna 2026-06-30 | Form 4 | 2026-07-01 | 0001437749-26-022368 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 24 | Section 02, Frank J. Hanna III 2026-06-30 | Form 4 | 2026-07-01 | 0001437749-26-022369 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 25 | Section 02, Jeffrey A. Howard 2026-06-30 | Form 4 | 2026-07-02 | 0001437749-26-022645 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 26 | Section 02, William McCamey 2026-06-30 | Form 4 | 2026-07-02 | 0001437749-26-022646 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 27 | Section 02, Frank J. Hanna III 2026-07-01 | Form 4 | 2026-07-01 | 0001437749-26-022369 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 28 | Section 02, David G. Hanna 2026-07-01 | Form 4 | 2026-07-01 | 0001437749-26-022368 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 29 | Section 02, Mitchell Saunders 2026-08-14 | Form 4 | 2026-08-17 | 0001437749-26-028239 | Insider equity transaction reported since the proxy statement. Filing ↗ |
| 30 | Section 06, 2025 vote | Form 8-K | 2025-05-13 | 0001437749-25-016493 | Item 5.07 · say-on-pay result. As reported: 87.21% (votes for as printed: 9,943,080). Filing ↗ |
| 31 | Section 06, 2022 vote | Form 8-K | 2022-05-16 | 0001437749-22-012625 | Item 5.07 · say-on-pay result. As reported: 99.69%. Filing ↗ |
| 32 | Section 06, 2019 vote | Form 8-K | 2019-05-14 | 0001437749-19-009840 | Item 5.07 · say-on-pay result. As reported: 92.85%. Filing ↗ |
| 33 | Section 01 trend, Δ column (computed) | Computed | — | — | Δ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1) |
| 34 | Section 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 |
| 35 | Section 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 |
| 36 | Atlanticus Holdings (subject), Section 10b CEO total | DEF 14A | 2026-04-10 | 0001437749-26-012028 | CEO 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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