Atlanticus Holdings Corp
Atlanticus Holdings Corp
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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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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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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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 10.06% | 40.94% | 22.06% | - | - | - | - | - | - | - | - | - |
| 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 TTM | 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 | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
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| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Atlanticus Holdings Corp (ATLC) — SEC Financial Statements & Analysis
Atlanticus Holdings Corp (ATLC) is a personal credit institutions company, incorporated in GA. Atlanticus Holdings Corp trades on Nasdaq as: ATLC, ATLCL, ATLCP, ATLCZ. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Atlanticus Holdings Corp reported a 68.59% year-over-year revenue growth, a Gross Profit Margin of 107.54% (TTM), a Price-to-Sales (P/S) ratio of 0.34x (TTM), a Price-to-Book (P/B) ratio of 1.22 (TTM), at a market cap of $785.74M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 68.59%
- Gross Profit Margin TTM
- 107.54%
- P/S TTM
- 0.34x
- P/B TTM
- 1.22
- Market Cap
- $785.74M
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Atlanticus Holdings Corp in?
Atlanticus Holdings Corp (ATLC) operates in the Personal Credit Institutions industry.
What is ATLC's market cap?
Atlanticus Holdings Corp (ATLC) has a market capitalization of $785.74M as of 2026-03-31.
What is ATLC's P/E ratio?
Atlanticus Holdings Corp (ATLC)'s trailing twelve month P/E ratio is 6.27x as of 2026-03-31.
What exchange does ATLC trade on?
Atlanticus Holdings Corp (ATLC) trades on the Nasdaq.
Where is Atlanticus Holdings Corp incorporated?
Atlanticus Holdings Corp is incorporated in GA.