Atlanticus Holdings Corporation

Atlanticus Holdings Corporation

ATLCยทNASDAQ

$76.33

-8.2%
Financial ServicesFinancial - Credit Services

Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit as a Service segment originates a range of consumer loan products, such as private label and general purpose credit cards originated by lenders through various channels, including retail and healthcare, direct mail solicitation, digital marketing, and partnerships with third parties; and offers credit to their customers for the purchase of various goods and services, including consumer electronics, furniture, elective medical procedures, healthcare, educational services, and home-improvements by partnering with retailers and service providers. In addition, it offers loan servicing, such as risk management and customer service outsourcing for third parties; and engages in testing and investment activities in consumer finance technology platforms. The Auto Finance segment purchases and/or services loans secured by automobiles from or for a pre-qualified network of independent automotive dealers and automotive finance companies in the buy-here, pay-here, and used car business. This segment also provides floor plan financing and installment lending products. Further, the company invests in and services portfolios of credit card receivables. Atlanticus Holdings Corporation was founded in 1996 and is headquartered in Atlanta, Georgia.

At a Glance

Live Snapshot
Market Cap$1.15B
EPS7.3900
P/E Ratio10.33
Earnings Date08/06/2026
3Y+219.0%
5Y+531.0%
10Y+1994.0%
3Y+240.0%
5Y+521.0%
10Y+1860.0%
3Y+86.0%
5Y+689.0%
10Y+10352.0%
atlc

Atlanticus Holdings Corporation Funding & Solvency Profile

ATLC ยท NASDAQ
Cash & Cash Equivalents621.09M
Net Receivables0.00
Inventory0.00
Other Current Assets146.31M
Total Current Assets767 M
Property, Plant & Equipment27.69M
Goodwill & Intangible Assets30.27M
Long-Term Investments6.73B
Other Non-Current Assets66.95M
Total Non-Current Assets7 B
Total Assets
7.62B

Financial Health Analysis

Current Ratio

1.76x

Strong liquidity. The company has adequate resources to meet short-term liabilities.

Debt-to-Equity Ratio

11.62x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

331 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

10% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Atlanticus Holdings Corporation Balance Sheet

ATLC โ€ข NASDAQ

Atlanticus Holdings Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
621.1M
375.4M
339.3M
385M
409.7M
178.1M
135.5M
61.1M
41.7M
76.6M
51.9M
41.5M
52.8M
84.3M
144.9M
105M
185M
94.4M
108.4M
110.4M
621.1M
375.4M
339.3M
385M
409.7M
178.1M
135.5M
61.1M
41.7M
76.6M
51.9M
41.5M
52.8M
84.3M
144.9M
105M
185M
94.4M
108.4M
110.4M
0.0
0.0
0.0
0.0
0.0
0.0
726M
424.5M
305.1M
239.4M
141.9M
105.9M
97.2M
60M
64.7M
50.8M
70.9M
340.7M
56.9M
801.7M
0.0
0.0
0.0
0.0
0.0
0.0
726M
424.5M
305.1M
239.4M
141.9M
105.9M
97.2M
0.0
0.0
50.8M
70.9M
340.7M
32.8M
16M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
60M
64.7M
0.0
0.0
0.0
24.1M
785.7M
0.0
0.0
0.0
0.0
0.0
0.0
-1.4B
141.8M
70.4M
92.1M
70.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
27.4M
15.6M
15.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
14.6M
17.6M
16.6M
32.6M
52.6M
0.0
0.0
146.3M
0.0
0.0
0.0
0.0
0.0
639.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
767.4M
375.4M
339.3M
412.4M
425.3M
193.3M
135.5M
485.6M
346.6M
315.5M
193M
145.8M
148.1M
127.9M
209.6M
155.8M
261.6M
435.2M
165.3M
912.1M
NON-CURRENT ASSETS
27.7M
24.4M
22.8M
21.8M
11.4M
11.4M
16.8M
3.6M
3.2M
3.9M
10.4M
21.2M
37.8M
7.2M
8.1M
15.9M
32.3M
48.3M
84.5M
64M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
43.4M
59.1M
0.0
0.0
30.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.4M
2.8M
4.5M
56.9M
801.7M
30.3M
0.0
0.0
0.0
0.0
0.0
-917.5M
-576.5M
-418.1M
-352M
0.0
0.0
0.0
0.0
0.0
2.4M
46.2M
63.7M
105.4M
132.5M
6.7B
2.7B
2.3B
1.9B
1.4B
921.7M
2M
2.5M
4.2M
6.7M
10.1M
15.8M
35.1M
37.8M
93.2M
102.5M
82.3M
105.4M
90.7M
288.1M
0.0
0.0
0.0
0.0
0.0
0.0
936.3M
582.6M
425.6M
362.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
67M
156.3M
72.2M
48.2M
97M
80.9M
-18.8M
-6.1M
-7.5M
-10.6M
-20.5M
-37M
-72.9M
-44.9M
-101.3M
-118.4M
-52.7M
-217.4M
-280.6M
-484.6M
6.9B
2.9B
2.4B
2B
1.5B
1B
18.8M
6.1M
7.5M
10.6M
20.5M
37M
72.9M
44.9M
101.3M
2.4M
108.2M
217.4M
280.6M
484.6M
0.0
0.0
0.0
0.0
0.0
0.0
782M
90.9M
71.6M
37.9M
67.3M
85.5M
131.2M
207.6M
337M
722.8M
379.1M
874.8M
1.4B
717.1M
7.6B
3.3B
2.7B
2.4B
1.9B
1.2B
936.3M
582.6M
425.6M
364M
280.7M
268.4M
352.2M
380.4M
647.9M
880.9M
748.8M
1.5B
1.9B
2.1B
LIABILITIES
CURRENT LIABILITIES
436.7M
72.1M
61.6M
44.3M
42.3M
41.7M
47.4M
106M
124.9M
102.5M
74M
60.9M
103.9M
99M
106.5M
60.4M
0.0
134.8M
159.4M
112.5M
284.5M
72.1M
61.6M
44.3M
42.3M
41.7M
41.6M
105.8M
115.7M
86.8M
51.7M
40M
48.6M
38.6M
47.1M
0.0
0.0
0.0
0.0
0.0
152.1M
0.0
0.0
0.0
0.0
0.0
5.8M
252K
9.1M
15.8M
22.3M
20.9M
55.3M
-38.6M
-47.1M
60.4M
0.0
134.8M
159.4M
112.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
86.8M
51.7M
40M
48.6M
38.6M
46.1M
50.9M
67.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
753.1M
0.0
275.5M
0.0
131M
135.3M
0.0
166.9M
288.7M
467.4M
164.4M
0.0
0.0
0.0
152.1M
114.1M
85.8M
60.7M
47.8M
25.9M
5.8M
252K
9.1M
15.8M
22.3M
20.9M
55.3M
60.4M
59.4M
60.4M
32.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-90.3M
-43.9M
-37M
-23.6M
0.0
0.0
0.0
9.7M
31.9M
118.8M
214.4M
23.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-41.6M
-106M
-400.3M
-189.3M
-256.7M
-236.1M
-152.5M
-67.5M
-441.3M
-697.5M
-446.1M
-158.2M
-159.4M
-112.5M
436.7M
72.1M
61.6M
44.3M
42.3M
41.7M
668.6M
105.8M
247.7M
186M
153.3M
156.2M
206.5M
237M
379.9M
646.7M
411.5M
413.3M
0.0
0.0
NON-CURRENT LIABILITIES
6.5B
2.5B
2B
1.8B
1.4B
909.9M
777.2M
408.8M
336.9M
254.2M
195.8M
200M
247.2M
262.2M
465.1M
229.8M
307.6M
499.8M
785.6M
908.7M
0.0
0.0
0.0
0.0
0.0
0.0
846.9M
604.7M
461.7M
356.8M
0.0
0.0
0.0
0.0
1M
1.4M
1.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12M
-106M
-461.7M
-356.8M
0.0
0.0
0.0
0.0
-1M
0.0
0.0
0.0
0.0
0.0
40M
204.1M
226.1M
200.6M
187.4M
165.3M
-633.3M
-197M
-122.8M
-82M
-79.2M
-95.3M
-102.6M
-138M
-465.1M
-231.3M
-309.4M
-499.8M
-785.6M
-908.7M
6.6B
2.7B
2.3B
2B
1.6B
1.1B
178.3M
498.7M
214.1M
172.2M
116.5M
104.7M
144.6M
124.3M
191.6M
229.8M
307.6M
589.8M
1B
1.2B
0.0
0.0
0.0
0.0
0.0
0.0
49.1M
252K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-57.4M
-178M
-166.4M
0.0
0.0
25.3M
24.2M
20.2M
20.1M
4.8M
13.8M
22.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7B
2.8B
2.3B
2.1B
1.7B
1.1B
895.9M
604.7M
461.7M
358.2M
269.8M
260.9M
351.1M
361.2M
571.6M
819.1M
541.1M
836.7M
1B
1.2B
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-187.6M
-208.7M
-219.7M
-222.3M
-225.5M
-124.1M
0.0
0.0
0.0
0.0
0.0
40M
40M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.6M
0.0
205.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
102.3M
98.3M
87.4M
122M
227.8M
195M
212.7M
213.4M
212.8M
211.6M
211.1M
210.5M
210.3M
211.1M
294.2M
408.8M
500.1M
522.6M
410M
321M
506.4M
394.6M
307.3M
204.4M
60.2M
-117.7M
-211.8M
-238.8M
-246.6M
-205.9M
-199.5M
-201.2M
-208.4M
-190.7M
-28.3M
-151.6M
-87.7M
505.7M
606.4M
661.4M
0.0
0.0
0.0
0.0
0.0
0.0
89.4M
3.6M
-2.2M
0.0
-600K
-1.8M
-737K
-1.2M
-2.3M
-5.6M
-3.3M
-31.4M
1.6M
25.6M
0.0
0.0
0.0
0.0
0.0
-40M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-108.7M
0.0
0.0
608.7M
492.9M
394.7M
326.4M
288M
77.3M
40.9M
-21.8M
-36M
5.8M
11M
7.4M
1.2M
19.3M
76.1M
42.8M
189.3M
665.8M
792.6M
883.9M
603.8M
489.4M
392.4M
325M
287.5M
76.5M
40.3M
-22.1M
-36.1M
5.8M
11M
7.4M
1.2M
19.2M
76.3M
61.8M
207.7M
690.7M
825.3M
924.5M
-4.9M
-3.5M
-2.3M
-1.4M
-500K
-774K
-571K
-338K
-94K
-10K
-8K
1K
-6K
-108K
211K
19M
18.4M
24.9M
32.7M
40.6M
SUMMARY
7.6B
3.3B
2.7B
2.4B
1.9B
1.2B
936.3M
582.6M
425.6M
364M
280.7M
268.4M
352.2M
380.4M
647.9M
880.9M
748.8M
1.5B
1.9B
2.1B
6.7B
2.7B
2.3B
1.9B
1.4B
921.7M
2M
2.5M
4.2M
6.7M
10.1M
15.8M
35.1M
37.8M
93.2M
102.5M
82.3M
105.4M
90.7M
288.1M
6.5B
2.5B
2B
1.8B
1.4B
923.7M
799.5M
498.7M
336.9M
255.7M
195.8M
200M
247.2M
262.2M
465.1M
697.3M
471.9M
389.9M
785.6M
908.7M
5.9B
2.1B
1.7B
1.4B
1B
745.6M
664M
437.6M
295.1M
179.1M
143.9M
158.5M
194.4M
177.9M
320.2M
592.3M
286.9M
295.4M
677.2M
798.3M
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449
15,125,449

SEC Filings

ATLC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 13, 2026
May 07, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 10, 2026
May 07, 2026
2026
10-K

10-K 2025 FY

FY

March 12, 2026
December 31, 2025
2025
8-K/A

8-K/A 2025 (Amended)

N/A

November 28, 2025
September 11, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 10, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

September 17, 2025
September 11, 2025
2025
8-K

8-K 2025

N/A

August 20, 2025
August 20, 2025
2025
10-Q

10-Q 2025 Q2

Q2

August 07, 2025
June 30, 2025
2025
8-K

8-K 2025

N/A

May 13, 2025
May 08, 2025
2025
Showing 1 to 10 of 170 filings