Atlanticus Holdings Corporation (ATLC)

Atlanticus Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	952.81	879.12	786.24	518.78	410.62	261.22
Total Interest Expense	148.12	109.34	81.85	54.13	51.55	50.73
Net Interest Income	804.69	769.78	704.38	464.66	359.07	210.49
Other Revenue	312.56	276.12	259.87	225.07	149.39	82.39
Revenue Before Loan Losses	1,117	1,046	964.25	689.73	508.46	292.88
Provision for Loan Losses	743.16	691.73	578.32	255.19	251.27	246.3
Revenue	374.09	354.18	385.93	434.54	257.19	46.58
Revenue Growth (YoY)	8.50%	-8.23%	-11.19%	68.96%	452.12%	-16.71%
Salaries & Employee Benefits	48.9	43.91	43.06	34.02	29.08	26.23
Cost of Services Provided	162.97	153.04	157.83	132.03	98.06	85.85
Other Operating Expenses	31.86	26.74	34.4	22.18	17.82	19.04
Total Operating Expenses	246.35	226.25	237.47	189.73	146.2	132.25
Operating Income	127.74	127.93	148.46	244.81	110.99	-85.67
Earnings From Equity Investments	-	-	-	0.02	0.46	-
Currency Exchange Gain (Loss)	-	-	-	-	-	5.84
EBT Excluding Unusual Items	129.42	128.56	149.27	249.01	113.83	31.76
Gain (Loss) on Sale of Investments	-	-	-	-	0.56	-
Other Unusual Items	-	-	-	-29.44	-	-
Pretax Income	129.42	128.56	149.27	219.57	114.39	31.76
Income Tax Expense	24.01	26.6	14.66	41.78	20.47	5.55
Earnings From Continuing Ops.	105.41	101.95	134.61	177.79	93.92	26.21
Minority Interest in Earnings	0.89	0.89	0.99	0.11	0.2	0.23
Net Income	106.3	102.85	135.6	177.9	94.12	26.44
Preferred Dividends & Other Adjustments	25.26	25.2	25.08	22.36	17.07	1.15
Net Income to Common	81.04	77.65	110.52	155.54	77.05	25.29
Net Income Growth	5.73%	-24.15%	-23.78%	89.02%	255.94%	236.60%
Shares Outstanding (Basic)	15	15	15	15	14	14
Shares Outstanding (Diluted)	19	19	19	21	20	15
Shares Change (YoY)	-1.05%	-2.55%	-7.28%	3.96%	31.62%	9.08%
EPS (Basic)	5.51	5.35	7.55	10.32	5.32	1.74
EPS (Diluted)	4.45	4.24	5.83	7.56	3.95	1.66
EPS Growth	8.45%	-27.26%	-22.89%	91.22%	138.44%	195.99%
Free Cash Flow	479.19	455.33	342.78	205.28	211.99	99.71
Free Cash Flow Per Share	25.56	24.11	17.69	9.82	10.55	6.53
Operating Margin	34.15%	36.12%	38.47%	56.34%	43.15%	-183.90%
Profit Margin	21.66%	21.92%	28.64%	35.79%	29.96%	54.29%
Free Cash Flow Margin	128.10%	128.56%	88.82%	47.24%	82.42%	214.05%
Effective Tax Rate	18.55%	20.69%	9.82%	19.03%	17.90%	17.48%

Source: S&P Capital IQ. Financial Services template. Financial Sources.