Atlanticus Holdings Corporation (ATLC)

Atlanticus Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	997.1	979.81	879.12	786.24	518.78	410.62
Total Interest Expense	172.64	160.17	109.34	81.85	54.13	51.55
Net Interest Income	824.46	819.64	769.78	704.38	464.66	359.07
Other Revenue	367.56	330.14	276.12	259.87	225.07	149.39
Revenue Before Loan Losses	1,192	1,150	1,046	964.25	689.73	508.46
Provision for Loan Losses	767.14	749.84	691.73	578.32	255.19	251.27
Revenue	424.88	399.94	354.18	385.93	434.54	257.19
Revenue Growth (YoY)	17.71%	12.92%	-8.23%	-11.19%	68.95%	452.12%
Salaries & Employee Benefits	52.33	50.14	43.91	43.06	34.02	29.08
Cost of Services Provided	189.82	174.59	153.04	157.83	132.03	98.06
Other Operating Expenses	34.49	35.41	26.74	34.4	22.18	17.82
Total Operating Expenses	279.5	262.86	226.25	237.47	189.73	146.2
Operating Income	145.37	137.09	127.93	148.46	244.81	110.99
Earnings From Equity Investments	-	-	-	-	0.02	0.46
EBT Excluding Unusual Items	146.62	138.58	128.56	149.27	249.01	113.83
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.56
Other Unusual Items	-	-	-	-	-29.44	-
Pretax Income	146.62	138.58	128.56	149.27	219.57	114.39
Income Tax Expense	31.22	28.47	26.6	14.66	41.78	20.47
Earnings From Continuing Ops.	115.41	110.11	101.95	134.61	177.79	93.92
Minority Interest in Earnings	1.24	1.19	0.89	0.99	0.11	0.2
Net Income	116.65	111.3	102.85	135.6	177.9	94.12
Preferred Dividends & Other Adjustments	21.21	23.93	25.2	25.08	22.36	17.07
Net Income to Common	95.44	87.37	77.65	110.52	155.54	77.05
Net Income Growth	13.47%	8.22%	-24.15%	-23.78%	89.02%	255.93%
Shares Outstanding (Basic)	15	15	15	15	15	14
Shares Outstanding (Diluted)	19	19	19	19	21	20
Shares Change (YoY)	0.52%	-0.43%	-2.55%	-7.28%	3.96%	31.62%
EPS (Basic)	6.42	5.92	5.35	7.55	10.32	5.32
EPS (Diluted)	5.17	4.77	4.24	5.83	7.56	3.95
EPS Growth	21.75%	12.63%	-27.26%	-22.89%	91.22%	138.44%
Free Cash Flow	477.78	467.62	455.33	342.78	205.28	211.99
Free Cash Flow Per Share	25.26	24.87	24.11	17.69	9.82	10.54
Operating Margin	34.22%	34.28%	36.12%	38.47%	56.34%	43.15%
Profit Margin	22.46%	21.84%	21.92%	28.64%	35.79%	29.96%
Free Cash Flow Margin	112.45%	116.92%	128.56%	88.82%	47.24%	82.42%
Effective Tax Rate	21.29%	20.54%	20.69%	9.82%	19.03%	17.90%

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q