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Table of Contents SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 10 - K Annual Report for the year ended December 31 , 2020 of Atlanticus ATLANTICUS HOLDINGS CORPORATION a Georgia Corporation IRS Employer Identification No. 58-2336689 SEC File Number 0-53717 Five Concourse Parkway , Suite 300 Atlanta , Georgia 30328 ( 770 ) 828-2000 Atlanticus ' common stock , no par value per share , is registered pursuant to Section 12 ( b ) of the Securities Exchange Act of 1934 ( the “ Act ” ) and trades on the NASDAQ Global Select Market under the ticker symbol " ATLC " . Atlanticus is not a well - known seasoned issuer , as defined in Rule 405 of the Securities Act of 1933 . Atlanticus ( 1 ) is required to file reports pursuant to Section 13 of the Act , ( 2 ) has filed all reports required to be filed by Section 13 of the Act during the preceding 12 months and ( 3 ) has been subject to such filing requirements for the past 90 days . Atlanticus has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T during the preceding 12 months . Atlanticus is a smaller reporting company and a non - accelerated filer . Atlanticus is not a shell company or an emerging growth company . This Annual Report on Form 10 - K includes Management's Report on Internal Control over Financial Reporting under Part II , Item 9A " Controls and Procedures . " As a non - accelerated filer , this report is not subject to attestation by Atlanticus ' independent public accounting firm , and this Annual Report on Form 10 - K does not include such an attestation report . The aggregate market value of Atlanticus ' common stock ( based upon the closing sales price quoted on the NASDAQ Global Select Market ) held by non - affiliates as of June 30 , 2020 was $ 68.9 million . ( For this purpose , directors , officers and 10 % shareholders have been assumed to be affiliates , and we also have included 1,459,233 loaned shares at June 30 , 2020. ) As of March 18 , 2021 , 16,419,886 shares of common stock , no par value , of Atlanticus were outstanding , including 1,459,233 loaned shares to be returned . DOCUMENTS INCORPORATED BY REFERENCE Portions of Atlanticus ' Proxy Statement for its 2021 Annual Meeting of Shareholders are incorporated by reference into Part III .