Atlanticus Holdings Corp

ATLC

Atlanticus Holdings Corp

ATLC

Insider Sentiment (TTM):

Last Purchase:2024-04-09Last Sale:2026-06-26Shares Purchased (TTM):0Shares Sold (TTM):23,675

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:3,534,472Shares Outstanding:14,975,000Institutional Ownership Pct.:23.60%

Earnings Market Reaction:

Filing Date:2026-05-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Personal Credit Institutions

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Atlanticus Holdings Corp (ATLC) — SEC Financial Statements & Analysis

Atlanticus Holdings Corp (ATLC) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Loans And Leases Receivab…
Property Plant And Equipment Net	12	13	13	14	12	11	10	10	11	11	12	13
Intangible Assets Net Excluding Goodwill	28	30	32	-	-	0	-	-	-	-	-	-
Operating Lease Right Of Use Asset	15	15	16	14	14	14	11	11	11	11	11	11
Prepaid Expense And Other Assets	74	67	58	46	35	32	34	34	32	28	26	26
Assets	7,465	7,623	7,080	3,643	3,272	3,271	3,040	2,837	2,787	2,706	2,597	2,455
Accounts Payable And Accrued Liabilities Current A…	258	285	253	113	81	72	60	71	59	62	48	47
Operating Lease Liability	24	25	26	24	24	24	19	20	20	20	20	21
Liabilities
Liabilities	6,781	6,979	6,455	3,044	2,703	2,691	2,471	2,266	2,234	2,174	2,082	1,953
Notes Payable To Bank	5,637	5,819	5,333	2,466	2,175	2,199	2,017	1,879	1,863	1,862	1,788	1,665
Senior Notes	692	699	702	308	300	282	270	199	199	144	144	144
Notes Receivable Net
Notes Receivable Net	81	83	85	82	81	84	89	97	-	98	2,148	2,011
Taxes Payable Current And Noncurrent	168	152	141	133	124	114	105	97	93	86	81	76
Stockholders Equity Inclu…
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital Common Stock	100	102	116	112	110	98	89	89	89	87	96	108
Retained Earnings Accumulated Deficit	548	506	474	451	423	395	368	345	327	307	281	256
Stockholders Equity	648	604	589	559	533	493	454	431	413	395	375	361
Minority Interest	-4	-5	-5	-4	-4	-4	-3	-3	-3	-2	-2	-2
Liabilities And Stockholders Equity	7,465	7,623	7,080	3,643	3,272	3,271	3,040	2,837	2,787	2,706	2,597	2,455
Cash Equivalents At Carrying Value	-	621	425	329	350	375	309	351	445	339	356	343
Cash And Cash Equivalents At Carrying Value	651	-	-	-	350	-	-	-	-	-	-	-
Restricted Cash And Cash Equivalents	153	146	101	154	111	124	76	56	37	44	44	52
Loans Receivable Fair Value Disclosure	6,452	6,648	6,350	3,005	2,669	2,630	2,512	2,277	2,151	2,174	2,050	1,916
Notes Receivable Gross	-	-	-	-	-	-	-	-	100	118	118	115
Financing Receivable Allowance For Credit Losses	4	4	5	5	5	5	5	2	-	2	2	2
Financing Receivable Deferred Income	20	20	22	20	20	20	17	18	-	18	-18	-19
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000	150,000
Common Stock Shares Issued	15,086	14,922	15,127	15,126	15,097	14,904	14,739	14,749	14,792	14,604	14,651	14,428
Shares Outstanding	15,086	14,922	15,127	15,126	15,097	14,904	14,739	14,749	14,792	14,604	14,651	14,428

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	10.06%	40.94%	-	-	-	-	-	-	-	-	-	-
2025	-12.07%	-3.98%	-9.93%	34.45%	27.76%	23.44%	16.94%	30.10%	1.24%	-10.46%	-1.83%	-0.52%
2024	-11.10%	-2.53%	23.00%	14.77%	13.05%	18.31%	38.02%	35.04%	35.28%	-5.07%	-1.58%	-1.24%
2023	24.40%	44.17%	37.34%	-2.12%	-14.28%	-19.00%	2.59%	26.66%	17.98%	-7.42%	-15.18%	-20.28%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.55	-0.50	-0.32	-0.16	-0.15	-0.13	-0.13	-0.08	0.06	0.18	0.09	0.18
Per Share Metrics
Diluted EPS TTM	6.59	5.83	5.98	6.34	6.02	5.86	5.61	5.36	5.42	5.40	4.31	4.37
Free Cash Flow Per Share TTM	48.07	37.39	27.86	33.01	31.90	31.83	32.53	32.76	32.47	31.67	29.45	27.93
Dividend Per Share TTM	0.61	0.82	1.07	1.39	1.66	1.75	1.76	1.69	1.70	1.72	1.72	1.72
Margin Metrics
Gross Profit Margin TTM	107.54%	108.17%	108.89%	109.01%	109.06%	109.03%	108.62%	108.84%	108.70%	108.71%	104.48%	99.94%
Operating Profit Margin TTM	7.72%	8.11%	9.66%	10.95%	10.73%	10.57%	10.21%	10.23%	10.74%	11.12%	11.44%	12.30%
Net Profit Margin TTM	5.44%	5.68%	7.23%	8.42%	8.45%	8.40%	8.32%	8.33%	8.57%	8.82%	7.30%	7.53%
Growth Metrics
Net Revenue Growth (1Y)	68.59%	50.09%	25.29%	19.27%	15.21%	13.46%	13.55%	10.17%	9.96%	10.41%	12.14%	19.31%
Net Income Growth (1Y)	8.53%	1.53%	8.78%	20.52%	13.64%	8.00%	29.43%	21.88%	10.42%	-7.75%	-50.43%	-55.27%
EPS Growth (1Y)	9.54%	-0.92%	6.01%	17.71%	10.31%	6.21%	27.36%	19.14%	8.93%	-6.96%	-50.44%	-54.33%
Valuation Metrics
P/E TTM	6.27	9.05	7.72	6.81	6.70	7.47	4.90	4.13	4.28	5.50	5.40	7.33
P/B	1.22	1.68	1.52	1.48	1.46	1.68	1.14	0.97	1.05	1.43	1.17	1.68
P/S TTM	0.34	0.51	0.56	0.57	0.57	0.63	0.41	0.34	0.37	0.49	0.39	0.55
Market Cap	785.74M	1.01B	886.02M	828.04M	773.13M	822.64M	517.08M	416.25M	434.17M	560.87M	439.62M	606.58M
Enterprise Value	674.05M	942.97M	1.06B	806.96M	611.34M	604.56M	402.02M	208.58M	188.39M	365.98M	183.95M	699.11M
Calculated Values
Free Cash Flow TTM	719.87M	565.10M	421.45M	499.23M	482.18M	469.41M	479.47M	483.97M	476.42M	459.32M	427.14M	403.31M
Net Debt	-111.69M	-68.85M	176.44M	-21.08M	-161.79M	-218.08M	-115.06M	-207.67M	-245.78M	-194.89M	-255.67M	92.53M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-26Sale

Owner: Mccamey, William

Title: Chief Financial Officer

Shares: 10,000

Price/Share: $109.45

Value: $1,094,500.00

Shares Owned: 137,410

Relationship: Officer

Ownership: Direct

2026-06-26Sale

Owner: Howard, Jeffrey A.

Title: President & CEO

Shares: 10,000

Price/Share: $109.45

Value: $1,094,500.00

Shares Owned: 673,265

Relationship: Director,Officer

Ownership: Direct

2026-01-13Sale

Owner: Hudson, Deal W

Title: -

Shares: 1,675

Price/Share: $59.72

Value: $100,031.00

Shares Owned: 60,467

Relationship: Director

Ownership: Direct

2025-08-13Sale

Owner: Hudson, Deal W

Title: -

Shares: 2,000

Price/Share: $62.39

Value: $124,780.00

Shares Owned: 61,092

Relationship: Director

Ownership: Direct

2025-03-24Sale

Owner: Hudson, Deal W

Title: -

Shares: 2,400

Price/Share: $52.39

Value: $125,736.00

Shares Owned: 63,092

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-26	Mccamey, William	Officer	Chief Financial Officer	Direct	Sale	10,000	109.45	$1,094,500.00	137,410	4
2026-06-26	Howard, Jeffrey A.	Director,Officer	President & CEO	Direct	Sale	10,000	109.45	$1,094,500.00	673,265	4
2026-01-13	Hudson, Deal W	Director	-	Direct	Sale	1,675	59.72	$100,031.00	60,467	4
2025-08-13	Hudson, Deal W	Director	-	Direct	Sale	2,000	62.39	$124,780.00	61,092	4
2025-03-24	Hudson, Deal W	Director	-	Direct	Sale	2,400	52.39	$125,736.00	63,092	4
2024-11-22	Saunders, Mitchell	Officer	Chief Accounting Officer	Direct	Sale	16,004	55.55	$889,022.20	50,973	4
2024-11-18	Harrod, Denise M	Director	-	Direct	Sale	359	49.00	$17,591.00	5,300	4
2024-11-15	Hudson, Deal W	Director	-	Direct	Sale	613	48.98	$30,024.74	64,342	4
2024-09-16	Hudson, Deal W	Director	-	Direct	Sale	2,500	31.35	$78,375.00	64,955	4
2024-09-05	Hudson, Deal W	Director	-	Direct	Sale	1,200	32.75	$39,300.00	67,455	4
2024-05-29	Hudson, Deal W	Director	-	Direct	Sale	1,200	26.05	$31,260.00	68,655	4
2024-04-09	Hanna, Frank J Iii	TenPercentOwner	-	Indirect	Sale	263	28.21	$7,419.23	0	4
2024-04-09	Hanna, Frank J Iii	TenPercentOwner	-	Indirect	Purchase	263,432	28.21	$7,431,416.72	263,432	4
2024-03-12	Hudson, Deal W	Director	-	Direct	Sale	2,000	30.50	$61,000.00	69,855	4
2024-01-30	Hudson, Deal W	Director	-	Direct	Sale	551	36.09	$19,885.59	72,401	4
2023-08-16	Hudson, Deal W	Director	-	Direct	Sale	2,348	35.16	$82,555.68	70,952	4
2023-08-14	Hudson, Deal W	Director	-	Direct	Sale	701	36.00	$25,236.00	73,300	4
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Institutional Ownership

No data available for chart

2026-03-31

23.60%

Inst. Shares: 3,534,472

Shares Outstanding: 14,975,000

2025-12-31

23.56%

Inst. Shares: 3,560,115

Shares Outstanding: 15,113,000

2025-09-30

22.37%

Inst. Shares: 3,383,793

Shares Outstanding: 15,125,000

2025-06-30

20.73%

Inst. Shares: 3,135,676

Shares Outstanding: 15,124,000

2025-03-31

19.13%

Inst. Shares: 2,892,146

Shares Outstanding: 15,115,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	3,534,472	14,975,000	23.60%
2025-12-31	3,560,115	15,113,000	23.56%
2025-09-30	3,383,793	15,125,000	22.37%
2025-06-30	3,135,676	15,124,000	20.73%
2025-03-31	2,892,146	15,115,000	19.13%
2024-12-31	2,451,822	14,748,000	16.62%
2024-09-30	2,140,719	14,740,000	14.52%
2024-06-30	2,025,448	14,771,000	13.71%
2024-03-31	1,901,065	14,673,000	12.96%
2023-12-31	1,911,617	14,504,000	13.18%
2023-09-30	1,895,889	14,504,000	13.07%
2023-06-30	1,845,497	14,439,000	12.78%
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Atlanticus Holdings Corp (ATLC) — SEC Financial Statements & Analysis

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