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Atlanticus Holdings Corp

ATLC

Companies in Personal Credit Institutions

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

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
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Loans And Leases Receivab…
Property Plant And Equipment Net
121313141211101011111213
Intangible Assets Net Excluding Goodwill
283032--0------
Operating Lease Right Of Use Asset
151516141414111111111111
Prepaid Expense And Other Assets
746758463532343432282626
Assets
7,4657,6237,0803,6433,2723,2713,0402,8372,7872,7062,5972,455
Accounts Payable And Accrued Liabilities Current A…
2582852531138172607159624847
Operating Lease Liability
242526242424192020202021
Liabilities
Liabilities
6,7816,9796,4553,0442,7032,6912,4712,2662,2342,1742,0821,953
Notes Payable To Bank
5,6375,8195,3332,4662,1752,1992,0171,8791,8631,8621,7881,665
Senior Notes
692699702308300282270199199144144144
Notes Receivable Net
Notes Receivable Net
8183858281848997-982,1482,011
Taxes Payable Current And Noncurrent
1681521411331241141059793868176
Stockholders Equity Inclu…
Common Stock Value
000000000000
Additional Paid In Capital Common Stock
100102116112110988989898796108
Retained Earnings Accumulated Deficit
548506474451423395368345327307281256
Stockholders Equity
648604589559533493454431413395375361
Minority Interest
-4-5-5-4-4-4-3-3-3-2-2-2
Liabilities And Stockholders Equity
7,4657,6237,0803,6433,2723,2713,0402,8372,7872,7062,5972,455
Cash Equivalents At Carrying Value
-621425329350375309351445339356343
Cash And Cash Equivalents At Carrying Value
651---350-------
Restricted Cash And Cash Equivalents
153146101154111124765637444452
Loans Receivable Fair Value Disclosure
6,4526,6486,3503,0052,6692,6302,5122,2772,1512,1742,0501,916
Notes Receivable Gross
--------100118118115
Financing Receivable Allowance For Credit Losses
44555552-222
Financing Receivable Deferred Income
2020222020201718-18-18-19
Common Stock No Par Value
000000000000
Common Stock Shares Authorized
150,000150,000150,000150,000150,000150,000150,000150,000150,000150,000150,000150,000
Common Stock Shares Issued
15,08614,92215,12715,12615,09714,90414,73914,74914,79214,60414,65114,428
Shares Outstanding
15,08614,92215,12715,12615,09714,90414,73914,74914,79214,60414,65114,428

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Earnings Market Reaction

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
202610.06%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%
202324.40%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
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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

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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

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Atlanticus Holdings Corp (ATLC) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.