Companies Atlanticus Holdings Corp

Atlanticus (ATLC): executive pay, fiscal 2025

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CEO total pay$2,099,003CEO Jeffrey Howard · source

Say-on-pay support87.21%Latest vote · source

CEO pay ratio17:1To the median employee · source

CEO pay, last three years

$2,049,906FY2023
$1,812,375FY2024
$2,099,003FY2025

CEO total pay was $2,099,003 in fiscal 2025, up from $1,812,375 in fiscal 2024.

FY2025: salary $850,000 · bonus $1,000,000 · stock awards $238,503 · option awards $0

Executives and directors

David Hanna · Executive Jeffrey Howard · CEO William McCamey · CFO Deal W. Hudson · Independent Director Denise M. Harrod · Independent Director Dennis H. James, Jr · Independent Director Joann G. Jones · Independent Director Mack F. Mattingly · Independent Director

Frequently asked questions

Who was the highest-paid executive at Atlanticus Holdings Corp in fiscal 2025?

As disclosed, David Hanna (Executive Chairman of the Board) was the highest-paid executive at Atlanticus Holdings Corp in fiscal 2025, with total compensation of $2,631,015.

What is Atlanticus Holdings Corp's CEO-to-median employee pay ratio?

As disclosed, Atlanticus Holdings Corp's CEO-to-median employee pay ratio was 17:1.

How did shareholders vote on Atlanticus Holdings Corp's executive compensation?

As disclosed, 87.21% of shareholders supported Atlanticus Holdings Corp's executive compensation in the latest say-on-pay vote.

How much does Atlanticus Holdings Corp spend in total on board compensation for fiscal 2025?

As disclosed, Atlanticus Holdings Corp 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.

Full detail

Every table from the filing. Open any section.

Summary compensation table

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.

Three-year trend — total compensation per named executive

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.

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 policy	true
Anti-hedging	false
Anti-pledging	false

Equity grants and outstanding awards

Grants of plan-based awards — fiscal year 2025

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

Vehicle mix — grant-date fair value by award type

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.

Outstanding equity awards at fiscal year-end 2025

Executive	Award	Shares unvested	Exercise price	Market value unvested
Jeffrey Howard	RSU	220	—	$14,729
William McCamey	RSU	220	—	14,729
William McCamey	RSU	3,253	—	217,788
Jeffrey Howard	RSU	4,651	—	311,384
William McCamey	RSU	6,645	—	444,883
William McCamey	RSU	7,220	—	483,379
Jeffrey Howard	RSU	9,503	—	636,226
Jeffrey Howard	RSU	10,342	—	692,397

Director compensation

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

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	—

Total cost of the board

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.

Peer group, and who names Atlanticus as a peer

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.

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.

Rank	Company	FY	Chief executive	Salary	Stock awards	Option awards	Non-equity incentive	Total
1	Atlanticus Holdings Corp	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.

Say-on-pay history and pay ratio

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.

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

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.

CEO pay ratio

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

Insider trades since the proxy

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.

Sources (36 citations)

Each figure is listed with the filing it comes from, where it appears in that filing, and the value as printed. Any figure can be independently confirmed against the source.

Section 01, David Hanna. DEF 14A, filed 2026-04-10. Section “Summary Compensation Table”. As printed: 2,631,015. View filing ↗
Section 01, Jeffrey Howard. DEF 14A, filed 2026-04-10. Section “Summary Compensation Table” · page 24. As printed: 2,099,003. View filing ↗
Section 01, William McCamey. DEF 14A, filed 2026-04-10. Section “Summary Compensation Table”. As printed: 1,677,314. View filing ↗
Section 03, Jeffrey Howard RSU. DEF 14A, filed 2026-04-10. Section “Grants of Plan-Based Awards” · grants of plan-based awards table. View filing ↗
Section 03, William McCamey RSU. DEF 14A, filed 2026-04-10. Section “Grants of Plan-Based Awards” · grants of plan-based awards table. View filing ↗
Section 07, pay ratio. DEF 14A, filed 2026-04-10. Section “CEO Pay Ratio”. As printed: 17 : 1. View filing ↗
Section 08, Denise M. Harrod. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 198,066. View filing ↗
Section 08, Dennis H. James, Jr. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 162,066. View filing ↗
Section 08, Deal W. Hudson. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 159,066. View filing ↗
Section 08, Joann G. Jones. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 153,066. View filing ↗
Section 08, Mack F. Mattingly. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 143,066. View filing ↗
Section 08, David G. Hanna. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 0. View filing ↗
Section 08, Jeffrey A. Howard. DEF 14A, filed 2026-04-10. Section “Director Compensation”. As printed: 0. View filing ↗
Section 02, William Brinkley Dickerson 2026-05-18. Form 4, filed 2026-07-07. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Blake Paulson 2026-05-18. Form 4, filed 2026-07-08. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, David G. Hanna 2026-06-12. Form 4, filed 2026-06-16. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Frank J. Hanna III 2026-06-12. Form 4, filed 2026-06-16. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Jeffrey A. Howard 2026-06-26. Form 4, filed 2026-06-26. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, William McCamey 2026-06-26. Form 4, filed 2026-06-26. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Mitchell Saunders 2026-06-29. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, David G. Hanna 2026-06-29. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Frank J. Hanna III 2026-06-29. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, David G. Hanna 2026-06-30. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Frank J. Hanna III 2026-06-30. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Jeffrey A. Howard 2026-06-30. Form 4, filed 2026-07-02. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, William McCamey 2026-06-30. Form 4, filed 2026-07-02. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Frank J. Hanna III 2026-07-01. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, David G. Hanna 2026-07-01. Form 4, filed 2026-07-01. Insider equity transaction reported since the proxy statement. View filing ↗
Section 02, Mitchell Saunders 2026-08-14. Form 4, filed 2026-08-17. Insider equity transaction reported since the proxy statement. View filing ↗
Section 06, 2025 vote. Form 8-K, filed 2025-05-13. Item 5.07 · say-on-pay result. As reported: 87.21% (votes for as printed: 9,943,080). View filing ↗
Section 06, 2022 vote. Form 8-K, filed 2022-05-16. Item 5.07 · say-on-pay result. As reported: 99.69%. View filing ↗
Section 06, 2019 vote. Form 8-K, filed 2019-05-14. Item 5.07 · say-on-pay result. As reported: 92.85%. View filing ↗
Section 01 trend, Δ column (computed). Computed. Δ = current-FY total − prior-FY total per named officer.
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).
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.
Atlanticus Holdings Corp (subject), Section 10b CEO total. DEF 14A, filed 2026-04-10. CEO total compensation as printed in Atlanticus Holdings Corp's own proxy. As printed: 2,099,003. View filing ↗