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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	1,117	979.81	879.12	786.24	518.78	410.62
Total Interest Expense	221.35	160.17	109.34	81.85	54.13	51.55
Net Interest Income	895.52	819.64	769.78	704.38	464.66	359.07
Other Revenue	470.3	330.14	276.12	259.87	225.07	149.39
Revenue Before Loan Losses	1,366	1,150	1,046	964.25	689.73	508.46
Provision for Loan Losses	867.33	749.84	691.73	578.32	255.19	251.27
Revenue	498.5	399.94	354.18	385.93	434.54	257.19
Revenue Growth (YoY)	33.26%	12.92%	-8.23%	-11.19%	68.95%	452.12%
Salaries & Employee Benefits	55.34	50.14	43.91	43.06	34.02	29.08
Cost of Services Provided	238.99	174.59	153.04	157.83	132.03	98.06
Other Operating Expenses	40.4	35.41	26.74	34.4	22.18	17.82
Total Operating Expenses	338.66	262.86	226.25	237.47	189.73	146.2
Operating Income	159.84	137.09	127.93	148.46	244.81	110.99
Earnings From Equity Investments	-	-	-	-	0.02	0.46
EBT Excluding Unusual Items	160.16	138.58	128.56	149.27	249.01	113.83
Gain (Loss) on Sale of Investments	-	-	-	-	-	0.56
Other Unusual Items	-2.5	-	-	-	-29.44	-
Pretax Income	153.36	138.58	128.56	149.27	219.57	114.39
Income Tax Expense	36.39	28.47	26.6	14.66	41.78	20.47
Earnings From Continuing Ops.	116.97	110.11	101.95	134.61	177.79	93.92
Minority Interest in Earnings	1.4	1.19	0.89	0.99	0.11	0.2
Net Income	118.37	111.3	102.85	135.6	177.9	94.12
Preferred Dividends & Other Adjustments	13.12	23.93	25.2	25.08	22.36	17.07
Net Income to Common	105.26	87.37	77.65	110.52	155.54	77.05
Net Income Growth	11.36%	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)	1.94%	-0.43%	-2.55%	-7.28%	3.96%	31.62%
EPS (Basic)	7.00	5.92	5.35	7.55	10.32	5.32
EPS (Diluted)	5.63	4.77	4.24	5.83	7.56	3.95
EPS Growth	26.57%	12.63%	-27.26%	-22.89%	91.22%	138.44%
Free Cash Flow	487.84	467.62	455.33	342.78	205.28	211.99
Free Cash Flow Per Share	25.52	24.87	24.11	17.69	9.82	10.54
Operating Margin	32.06%	34.28%	36.12%	38.47%	56.34%	43.15%
Profit Margin	21.12%	21.84%	21.92%	28.64%	35.79%	29.96%
Free Cash Flow Margin	97.86%	116.92%	128.56%	88.82%	47.24%	82.42%
Effective Tax Rate	23.73%	20.54%	20.69%	9.82%	19.03%	17.90%

Updated Nov 10, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q