Atlanticus Holdings Corporation

Atlanticus Holdings Corporation

ATLC
Atlanticus Holdings CorporationUS flagNASDAQ Global Select
93.13
USD
-3.58
- -
1.41BMarket Cap
Atlanticus Holdings Corporation
ATLC
(NASDAQ Global Select)

Recent

price

93.13

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
14.82
9.96
6.88
7.24
7.5
5.18
4.02
5.22
11.15
24.63
23.49
26.52
20
17.67
20.3
26.64
35.73
Revenue per Share
-2.45
5.21
1.27
-1.29
0.52
0.12
-0.46
-2.93
0.56
1.74
5.32
10.32
7.55
5.35
5.92
7.4
9.6
Basic EPS, GAAP
8.34
3.2
0.15
-1.95
-1.49
0.06
2.81
-1.9
2.98
6.88
14.63
13.62
23.43
31.39
31.71
41.88
62.08
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.94
1.45
1.69
1.72
1.75
0.82
0.61
Dividend per Share
1.2
3.23
1.24
0.07
0.49
0.71
0.38
-2.36
-1.4
-2.46
2.31
19.45
22.58
27.03
33.07
40.79
46.43
Book Value per Share
1.13
3.23
1.24
0.07
0.49
0.71
0.38
-2.36
-1.4
-2.46
2.31
19.45
22.58
27.03
33.07
38.76
44.76
Tangible Book Value per Share
40
26
19
14
14
14
14
14
14
14
14
15
15
15
15
15
15
Basic Weighted Avg Shares
590
256
133
100
104
72
56
73
155
357
340
400
293
256
299
403
539
Sales/Revenue/Turnover
59.14
- -
-33.04
-22.85
-26.19
4.91
-22.18
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
14
6
3
18
68
41
7
1
1
8
8
2
5
4
5
10
17
Depreciation Expense
-98
134
24
-18
7
2
-6
-41
8
26
94
178
136
103
111
122
154
Net Income, GAAP
- -
- -
- -
- -
- -
51.74
- -
- -
- -
17.48
17.9
19.03
9.82
20.69
20.55
24.48
24.59
Effective Tax Rate (%)
-16.54
52.26
18.43
-17.8
6.88
2.38
-11.37
-56.08
5.06
7.41
27.66
44.5
46.35
40.12
37.17
30.35
28.57
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
230
465
262
247
200
196
254
337
499
799
924
1,427
1,818
2,026
2,505
6,543
6,295
LT Debt
62
76
19
1
7
11
6
-36
-22
- -
77
287
325
392
489
604
697
Total Equity
- -
- -
- -
- -
- -
0.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-84
225.32
51.25
-173.43
166.81
18.62
-75.66
- -
- -
- -
- -
95.63
35.98
21.54
19.69
20.3
22.89
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
6,517
6,330
6,271
LT Finance Leases
25
24
24
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15
15
15
Market Capitalization
999
792
1,546

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
621
651
555
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
437
427
460
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2,218.36%
71.53%
23.39%
Free Cash Flow
437.88%
26.94%
35.35%
Net Income, GAAP
50.63%
11.82%
9.8%
Sales/Revenue/Turnover
27.63%
5.91%
34.47%
Total Cash Common Dividend
- -
-169.84%
11.69%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
70
64
77
89
299
2025
87
90
103
123
403
2026
146
167
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.35
1.22
1.58
- -
5.92
2025
1.85
1.87
1.5
- -
7.4
2026
2.8
3.13
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.42
0.49
- -
1.75
2025
0.37
0.15
0.15
- -
0.82
2026
0.15
0.15
- -
- -
- -
Business
Atlanticus Holdings Corporation (ATLC), a financial technology company founded in 1996 and headquartered in Atlanta, Georgia, provides credit and related financial services and products to everyday consumers and lenders in the United States, focusing on the financially underserved market through its two primary segments: Credit as a Service (CaaS) and Auto Finance. The CaaS segment offers private-label credit products in healthcare under the Curae brand; consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and retail partners' brands; general-purpose credit cards under the Aspire, Imagine, and Fortiva brand names originated via bank partners through retail and healthcare point-of-sale, direct mail, digital marketing, and third-party partnerships; and loan servicing including risk management, customer service outsourcing, product testing, and investments. The Auto Finance segment purchases and services automobile-secured loans from independent automotive dealers and finance companies in the buy-here-pay-here used car business, while also providing floor plan financing and installment lending products. In September 2025, Atlanticus acquired Mercury Financial LLC for approximately $166.5 million in cash, adding Mercury as a wholly-owned subsidiary with $3.2 billion in credit card receivables, 1.3 million accounts, and a near-prime consumer credit card platform that complements its general-purpose offerings, expands capabilities into larger market segments, boosts total managed receivables above $6 billion, and supports portfolio optimization, cost synergies, and growth through new marketing channels and product expansions.

Company News

  • Is Atlanticus (ATLC) Stock Undervalued Right Now?

  • Atlanticus Holdings Corporation (NASDAQ:ATLC) Receives Average Recommendation of “Moderate Buy” from Analysts

  • Atlanticus to Participate in B. Riley Securities Consumer & TMT Conference

  • Denali Advisors LLC Buys New Shares in Atlanticus Holdings Corporation $ATLC

  • Atlanticus Announces Approval of Quarterly Preferred Stock Dividend

  • Atlanticus Q2 Earnings Call Spotlights Mercury Progress and Credit

  • Atlanticus Holdings Corporation (ATLC) Q2 2026 Earnings Call Transcript

  • Atlanticus Holdings Corporation (ATLC) Q2 Earnings Meet Estimates

  • Atlanticus Q2 Earnings Call Highlights

  • Atlanticus Reports Second Quarter 2026 Financial Results

  • Atlanticus Holdings Corporation $ATLC Shares Sold by Dimensional Fund Advisors LP

  • Atlanticus to Host Second Quarter 2026 Earnings Call and Webcast on August 6, 2026, at 5:00 p.m. ET

  • Atlanticus vs. Enova: Which FinTech Lender Is the Better Buy Now?

  • Here's Why Atlanticus' Scalable Platform Support Long-Term Growth

  • Is Atlanticus Stock Still Worth Buying After a 71% Rally in a Year?

  • Atlanticus CFO Unloads $1 Million in Shares. Should You Sell ATLC Too?

  • Fast-paced Momentum Stock Atlanticus (ATLC) Is Still Trading at a Bargain

  • Should Value Investors Buy Atlanticus (ATLC) Stock?

  • Strength Seen in Atlanticus (ATLC): Can Its 3.1% Jump Turn into More Strength?

  • Atlanticus Holdings Corporation (ATLC) Hit a 52 Week High, Can the Run Continue?