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Atlanticus Holdings Corporation (ATLC)
NASDAQ: ATLC · Real-Time Price · USD
93.50
-2.28 (-2.38%)
At close: Aug 11, 2026, 4:00 PM EDT
93.78
+0.28 (0.30%)
After-hours: Aug 11, 2026, 7:34 PM EDT

Atlanticus Holdings Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,6531,9681,3111,1561,047748.06
Revenue Growth
83.72%50.09%13.46%10.41%39.95%32.77%
Gross Profit
729.94557.21401.43354.81386.74438.74
Operating Income
203.55159.71138.58128.56624.21628.47
Net Income
144.78111.887.3777.65110.52155.54
Earnings Per Share
9.955.964.774.245.837.56
EPS Growth
74.87%24.95%12.50%-27.27%-22.88%91.39%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Auto Finance
36.1733.5127.6634.5332.9933.67
Credit as a Service
694.3523.66372.28319.64352.94400.87
Total
730.47557.17399.94354.18385.93434.54

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
555.22621.09375.42339.34384.98409.66
Total Debt
6,2956,5432,5052,0261,8181,427
Net Cash (Debt)
-5,739-5,922-2,130-1,687-1,433-1,017
Net Cash Growth
------
Net Cash Per Share
-300.10-308.81-113.28-89.34-73.95-48.66

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
936.98637.96469.41459.32347.63212.37
Capital Expenditures
-0.52-5.02-1.79-3.99-4.85-7.09
Free Cash Flow
936.46632.94467.62455.33342.78205.28
Free Cash Flow Growth
90.05%35.35%2.70%32.83%66.98%-3.16%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
27.51%28.31%30.61%30.70%36.94%58.65%
Operating Margin
7.67%8.11%10.57%11.12%59.62%84.01%
Pretax Margin
7.67%8.11%10.57%11.12%14.26%29.35%
Profit Margin
5.79%6.13%8.40%8.82%12.86%23.77%
FCF Margin
35.30%32.16%35.66%39.39%32.74%27.44%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.1511.2311.699.124.499.43
Forward PE
8.578.539.997.934.448.26
P/FCF Ratio
1.511.581.781.241.105.24
PS Ratio
1.940.510.630.490.361.44