Atlanticus Holdings Corporation (ATLC)

NASDAQ: ATLC · Real-Time Price · USD

92.05

+1.02 (1.12%)

Sep 22, 2026, 4:00 PM EDT - Market closed

Atlanticus Holdings Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	730.47	557.17	399.94	354.18	385.93	434.54
Revenue Growth	59.79%	39.31%	12.92%	-8.23%	-11.19%	68.95%
Operating Income	210.89	166.47	137.09	127.93	148.46	244.81
Net Income	144.78	111.8	87.37	77.65	110.52	155.54
Earnings Per Share	7.70	5.96	4.77	4.24	5.83	7.56
EPS Growth	35.19%	24.73%	12.63%	-27.26%	-22.89%	91.22%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Auto Finance	36.17	33.51	27.66	34.53	32.99	33.67
Credit as a Service	694.3	523.66	372.28	319.64	352.94	400.87
Total	730.47	557.17	399.94	354.18	385.93	434.54

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	555.22	621.09	375.42	339.34	384.98	409.66
Total Debt	6,295	6,543	2,505	2,026	1,818	1,427
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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	936.98	637.96	469.41	459.32	347.63	212.37
Capital Expenditures	-0.52	-5.02	-1.79	-3.99	-4.85	-7.09
Free Cash Flow	936.46	632.94	467.62	455.33	342.78	205.28
Free Cash Flow Growth	90.05%	35.35%	2.70%	32.83%	66.98%	-3.16%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	28.87%	29.88%	34.28%	36.12%	38.47%	56.34%
Pretax Margin	27.87%	28.67%	34.65%	36.30%	38.68%	50.53%
Profit Margin	19.82%	20.06%	21.84%	21.92%	28.64%	35.79%
FCF Margin	128.20%	113.60%	116.92%	128.56%	88.82%	47.24%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 23, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.96	9.07	9.41	7.30	3.42	6.92
Forward PE	8.24	8.53	9.99	7.93	4.44	8.26
P/FCF Ratio	1.49	1.60	1.76	1.24	1.10	5.24
PS Ratio	1.91	1.82	2.06	1.60	0.98	2.48