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Atlanticus Holdings Corporation (ATLC)
NASDAQ: ATLC · Real-Time Price · USD
94.60
+0.87 (0.93%)
At close: Oct 12, 2026, 4:00 PM EDT
95.25
+0.65 (0.69%)
Pre-market: Oct 13, 2026, 7:32 AM 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
730.47557.17399.94354.18385.93434.54
Revenue Growth
59.79%39.31%12.92%-8.23%-11.19%68.95%
Operating Income
210.89166.47137.09127.93148.46244.81
Net Income
144.78111.887.3777.65110.52155.54
Earnings Per Share
7.705.964.774.245.837.56
EPS Growth
35.19%24.73%12.63%-27.26%-22.89%91.22%

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
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
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.299.079.417.303.426.92
Forward PE
8.148.539.997.934.448.26
P/FCF Ratio
1.531.601.761.241.105.24
PS Ratio
1.961.822.061.600.982.48