Core Viewpoint - Atlanticus Holdings Corporation has successfully priced an offering of $400 million aggregate principal amount of 9.750% Senior Notes due 2030, expected to be issued on August 20, 2025, subject to customary closing conditions [1]. Group 1: Offering Details - The offering consists of $400 million in Senior Notes with a 9.750% interest rate, maturing in 2030 [1]. - The proceeds from the offering will be used to repay amounts under recourse warehouse facilities, for general corporate purposes, and to pay fees and expenses related to the offering [2]. Group 2: Regulatory Compliance - The Notes are being offered to "qualified institutional buyers" under Rule 144A and to certain non-U.S. persons outside the United States in accordance with Regulation S [3]. - The Notes and related guarantees have not been registered under the Securities Act and cannot be sold in the U.S. without registration or an exemption [3]. Group 3: Company Overview - Atlanticus Holdings Corporation provides inclusive financial services through proprietary analytics, having serviced over 20 million customers and originated over $44 billion in consumer loans over 25 years [5]. - The company offers various consumer loan products, including retail and healthcare private label credit and general-purpose credit cards, through an omnichannel platform [5].

Core Insights - Everyday People Financial Corp. reported a 40% year-over-year revenue growth in Q2 2025, reaching $22.1 million compared to $15.8 million in Q2 2024, driven by the expansion of its Revenue Cycle Management (RCM) segment and a strategic shift in its EP Homes program [2][4][7] - The company achieved a 30% increase in six-month revenues, totaling $39.8 million, reflecting strong operational performance and disciplined execution of its capital-light business strategy [2][7] - The integration of the acquisition of Commercial Collection Services Limited (CCS) into the RCM platform has contributed significantly to revenue growth, alongside organic client growth [3][7] Financial Performance - Q2 2025 net income was $0.8 million, up from $0.1 million in Q2 2024, while net income for the first half of 2025 reached $1.6 million, compared to $0.9 million for the same period in 2024 [7] - Operating cash flow for the first half of 2025 was $6.2 million, a significant increase from $2.3 million in the same period of 2024 [5] - Adjusted EBITDA for Q2 2025 was $2.2 million, slightly down from $2.4 million in Q2 2024, while for the six months ended June 30, 2025, it was $4.3 million compared to $5.5 million for the same period in 2024 [8][9] Balance Sheet Strength - Total assets increased to $73.0 million as of June 30, 2025, up from $63.9 million at the end of 2024, indicating improved financial stability [7] - Shareholders' equity more than doubled to $16.1 million from $6.3 million at the end of 2024, reflecting strong capital retention and growth [7] - Adjusted Net Working Capital deficiency improved to $1.9 million as of June 30, 2025, from $8.6 million at the end of 2024, showcasing enhanced liquidity management [11] Strategic Outlook - The company is focused on advancing its capital-light business model and executing a disciplined acquisition strategy, positioning itself for sustained growth in the latter half of 2025 and beyond [3][12] - Everyday People aims to enhance client and consumer services through innovative financial products and literacy programs, reinforcing its commitment to helping individuals and businesses manage money better [12][15]

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Southfield, Michigan, Aug. 14, 2025 (GLOBE NEWSWIRE) -- Credit Acceptance Corporation (Nasdaq: CACC) (referred to as the "Company", "Credit Acceptance", "we", "our", or "us") has been named to the 2025 Crain's Fast 50 list for the ninth time. "It's an honor to be named one of the fastest-growing companies in metro Detroit," said Jay Martin, Chief Financial Officer, Credit Acceptance. "Our growth reflects the power of our unique approach—helping automobile dealers finance consumers regardless of credit histo ...

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Market Performance - Miami International Holdings' stock price increased by 39% from its initial public offering price [1] Industry Trends - The exchange operator is the latest financial services business to experience a positive reception in its trading debut [1]

Core Insights - Raymond James Financial Services (RJFS) has welcomed a team of 16 financial advisors from Greenberg & Rapp, enhancing its independent advisor channel [1][2] - The new team collectively managed approximately $1.8 billion in client assets prior to joining RJFS, indicating a significant addition to the firm's asset management capabilities [2] - Greenberg & Rapp specializes in providing personalized financial and estate planning services for ultra-high-net-worth families, focusing on private placement life insurance and sophisticated wealth management strategies [2][4] Company Overview - Raymond James Financial Services, Inc. is a financial services firm that supports independent financial advisors across the United States, with total client assets of approximately $1.64 trillion as of June 30, 2025 [7] - The firm has been operational since 1974 and offers a wide range of investment and wealth planning-related services through its affiliate, Raymond James & Associates, Inc. [7] Team Expertise - The founders of Greenberg & Rapp, Thomas C. Rapp and Ronald J. Greenberg, along with Managing Partner Patrick Maguire, bring extensive experience in wealth management and estate planning [2][3] - Ronald Greenberg has 37 years of experience in helping affluent individuals with exit planning and wealth preservation, while Thomas Rapp has over 30 years of experience in alternative assets and private wealth management [3][4] - The new team includes 14 senior financial professionals, enhancing the advisory capabilities of RJFS [2]

Market Position & Growth - Miami International Holdings (MAX) has increased its market share by 1000 basis points (10%) in the last nine years since Q1 2016 [2] - The company attributes its growth to its technology, which proved crucial during the market volatility of March 2020 [3] - Double-digit revenue growth has been recorded, with the last recorded growth at 20% [9] Competitive Advantages - Technology and relationships with major consolidator firms are key competitive advantages [4] - Low latency and high throughput are crucial technological differentiators, ensuring stability during volatile markets [7][8] - Determinism, ensuring order execution based on arrival time, is another technological advantage [9] Strategic Initiatives - An equity rights program has led to approximately 20% of the company's stock being owned by market participants [5] - Launching a new trading floor in Miami called MYX Sapphire on September 12th, driven by customer demand [10][11] - Signed a 10-year agreement with Bloomberg to launch an index called the B500 [14] Market Opportunities - Explosive growth in the options business was anticipated, leading to the company's formation [6] - The company sees secular tailwinds in the industry, including explosive retail growth [12] - Additional capital will be used to launch a new suite of products [13]

Core Viewpoint - Evertec (EVTC) is identified as a strong value stock, currently holding a Zacks Rank 2 (Buy) and a Value grade of A, indicating it is undervalued compared to its industry peers [4][9]. Valuation Metrics - EVTC has a P/E ratio of 10.24, significantly lower than the industry average of 21.27, suggesting it is undervalued [4]. - The PEG ratio for EVTC is 1.46, compared to the industry's average PEG of 1.77, indicating a favorable valuation when considering expected earnings growth [5]. - The P/B ratio for EVTC stands at 3.79, which is lower than the industry average of 8.42, further supporting the notion of undervaluation [6]. - EVTC's P/S ratio is 2.72, closely aligning with the industry's average of 2.73, indicating consistent revenue performance [7]. - The P/CF ratio for EVTC is 8.87, significantly lower than the industry average of 17.47, highlighting its strong cash flow outlook [8]. Investment Outlook - The combination of these valuation metrics suggests that Evertec is likely being undervalued at present, making it an attractive investment opportunity for value investors [9].

Customer Support - Crypto exchanges generate billions of dollars in annual profit but struggle to hire sufficient customer support agents [1] - Customer service issues and lack of responsiveness are apparent, as indicated by the user seeking a contact at Kraken [1]