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Atlanticus Holdings Corporation (ATLC)
NASDAQ: ATLC · Real-Time Price · USD
105.49
-0.56 (-0.53%)
Jul 31, 2026, 4:00 PM EDT - Market closed

Atlanticus Holdings Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Revenue
679.59734.39494.68394.16345.17353.49351.22316.02290.71309.09294.91290.84261.04269.09277.95270.04229.83217.27203.95182.11
Revenue Growth
96.89%107.75%40.84%24.73%18.73%14.37%19.10%8.66%11.36%14.86%6.10%7.70%13.58%23.85%36.29%48.28%58.79%52.29%41.15%34.15%
Gross Profit
189.7175.85140.81122.32118.22117.47100.3690.0893.5391.888.2488.4986.2882.3492.44104.37107.59115.86123.6198.46
Operating Income
58.8546.2232.4840.1540.8739.8737.2928.632.8230.7131.7632.0134.08134.9145.55166.2177.55168.77173.17144.52
Net Income
41.8732.8322.6728.3527.9526.2923.2317.9719.8819.9618.918.819.9917.6726.2827.7738.843.6740.3532.14
Earnings Per Share
2.234.011.211.511.491.421.270.991.091.101.031.021.080.981.381.461.962.131.961.56
EPS Growth
49.66%182.39%-4.72%52.52%36.70%29.09%23.30%-2.94%0.93%12.25%-25.40%-30.14%-44.90%-53.99%-29.56%-6.41%2.62%93.64%13.95%67.74%

Revenue by Segment
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Auto Finance
8.948.939.27.637.767.914.967.996.88.888.898.847.927.938.48.438.238.328.528.65
Credit as a Service
180.71166.9132.23114.35110.17109.2595.1481.786.1982.4379.3679.5678.373.9883.9695.7199.3103.34115.187.22
Total
189.65175.83141.43121.98117.93117.16100.0989.79391.3188.2588.486.2281.9192.36104.13107.53111.66123.6195.87

Cash & Debt
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Cash & Investments
651.13621.09425.02329.42350.39375.42308.65350.91444.81339.34355.71342.62389.84384.98352.91316.33373.47409.66166.97265.87
Total Debt
6,3546,5436,0612,7982,4982,5052,3062,0982,0822,0261,9531,8301,7801,8181,7081,5931,4151,4271,005988.07
Net Cash (Debt)
-5,703-5,922-5,636-2,469-2,148-2,130-1,997-1,747-1,637-1,687-1,597-1,487-1,390-1,433-1,355-1,276-1,041-1,017-837.81-722.2
Net Cash Growth
--------------------
Net Cash Per Share
-300.13-309.49-293.62-128.68-111.96-112.79-106.30-92.90-87.42-90.35-84.44-78.46-73.22-75.67-71.21-65.53-51.90-48.93-40.18-34.35

Cash Flow & CapEx
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Operating Cash Flow
286.35266.25107.45132.69131.57122.6112.36115.64118.8132.67116.86108.09101.7101.9993.0371.8680.7572.9714.8871.74
Capital Expenditures
-0.25-0.14-0.06-2.14-2.68-1.6-0.06-0.07-0.06-0.08-0.11-1.03-2.77-3.55-0.7-0.53-0.08-6.950.45-0.02
Free Cash Flow
286.1266.11107.39130.55128.89121.01112.3115.58118.73132.58116.75107.0698.9398.4492.3471.3380.6766.0315.3371.72
Free Cash Flow Growth
121.96%119.91%-4.37%12.95%8.56%-8.73%-3.81%7.96%20.01%34.69%26.44%50.08%22.63%49.09%502.44%-0.54%53.06%1.65%-75.97%48.19%

Margins
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
Gross Margin
27.91%23.95%28.47%31.03%34.25%33.23%28.57%28.50%32.17%29.70%29.92%30.42%33.05%30.60%33.26%38.65%46.81%53.33%60.61%54.07%
Operating Margin
8.66%6.29%6.57%10.19%11.84%11.28%10.62%9.05%11.29%9.93%10.77%11.01%13.06%50.13%52.37%61.55%77.25%77.68%84.91%79.36%
Pretax Margin
8.66%6.29%6.57%10.19%11.84%11.28%10.62%9.05%11.29%9.93%10.77%11.01%13.06%11.07%14.14%15.75%16.37%28.98%28.38%25.78%
Profit Margin
6.56%4.71%4.97%7.68%9.02%8.76%8.31%7.63%8.88%8.50%8.47%8.53%9.92%8.80%11.65%12.52%19.47%22.94%23.09%20.22%
FCF Margin
42.10%36.23%21.71%33.12%37.34%34.23%31.97%36.57%40.84%42.89%39.59%36.81%37.90%36.58%33.22%26.42%35.10%30.39%7.52%39.38%

Valuation
Chart
Fiscal QuarterQ1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021Q3 2021Q2 2021
Period EndingMar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21 Sep '21 Jun '21
PE Ratio
5.8611.2310.419.629.8911.697.886.696.989.127.379.645.654.493.814.686.819.438.136.31
Forward PE
5.858.539.008.618.369.996.775.826.347.935.939.775.964.444.906.355.728.267.015.71
P/FCF Ratio
1.001.581.821.681.621.781.080.860.921.241.051.531.091.101.222.193.305.244.292.61
PS Ratio
0.340.510.560.570.570.630.410.340.370.490.400.550.370.360.380.560.931.441.301.08