$83.18
-8.2%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโmonitor closely.
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
ATLC โข NASDAQ
| Atlanticus Holdings Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
120.6M | 111.3M | 102.8M | 134.6M | 177.8M | 93.9M | 26.2M | 7.6M | -40.9M | -6.3M | 1.7M | 7.3M | -17.7M | 24.1M | 135.1M | -94.9M | -551.4M | -101.6M | -51M | 107.5M | |
9.9M | 17M | 4M | 4.8M | 2.5M | 8M | 7.7M | 987K | 1M | 7.5M | 40.6M | 68.1M | 17.7M | 2.6M | 6.2M | 14M | 21.9M | 36.4M | 52.1M | 37.9M | |
38.7M | 30.5M | 37.8M | 21M | -95.9M | 37M | 130.4M | 26.9M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 329K | 374K | -1.8M | -71.1M | -6.6M | 34.8M | 33.1M | |
4.3M | 3.9M | 3.8M | 4.2M | 3.2M | 1.4M | 1.7M | 1.3M | 1.5M | 1.4M | 817.9K | 442.9K | 6K | 320K | 2.5M | 8.7M | 9M | 9.8M | 0.0 | 0.0 | |
909.2M | 577.4M | 549.3M | 421.2M | 208.7M | 98.9M | -12.2M | -3.3M | 15.7M | 9.7M | -16.6M | -14.2M | -6.2M | -12.5M | -64.5M | 282.6M | 1B | 554.2M | 673.4M | 583.8M | |
(0.0) | (229K) | (1.5M) | (4.2M) | (19.9M) | (327K) | (20K) | (4.8M) | (258K) | (437K) | (1.1M) | (73K) | (163K) | (49K) | (6.5M) | (93.8M) | (632K) | (91.5M) | (0.0) | (0.0) | |
-444.7M | -270.7M | -238.4M | -239.7M | -84M | -26.3M | -53.8M | 9.3M | -1.4M | 28.1M | -24.9M | -81.9M | -20.6M | 18.1M | 4.2M | 126.9M | -143M | 76.7M | 35.6M | -254.2M | |
638M | 469.4M | 459.3M | 346.1M | 212.4M | 212.7M | 100M | 42.9M | -25.5M | 39M | 864K | -20.7M | -26.9M | 32.9M | 83.8M | 335.5M | 287.7M | 568.9M | 766.9M | 508M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.8M | -4M | -4.9M | -7.1M | -749K | -250K | -1.4M | -395K | -349K | -884K | -4.1M | -3.5M | -2.2M | -1.5M | -3.9M | -3.6M | -9.9M | -65.5M | -28M | |
-72.9M | (0.0) | (0.0) | (708.2M) | (1.1M) | (1.3B) | (1.1B) | (608M) | (395K) | (349K) | (884K) | (0.0) | (3.5M) | (98.7M) | (192.1M) | (0.0) | -621K | (0.0) | -192.2M | -2.6M | |
(0.0) | (0.0) | (0.0) | -2.5B | -398K | -1.3B | -1.1B | -608M | -466.7M | -381.2M | -271.1M | (0.0) | -3.8M | -1.4M | -647.6M | -1.1B | -1.5B | -2.8B | (65.5M) | -3.5B | |
0.0 | 0.0 | 0.0 | 1.8B | 560K | 998K | 1.5M | 2.3M | 3.6M | 5.5M | 8.5M | 12M | 15.7M | 23.8M | 875.8M | 1.3B | 1.3B | 2.3B | 20M | 2.8B | |
-1.4B | -745.2M | -668.2M | -675.9M | -469.2M | -292.8M | -435M | -135.5M | 370.2M | 299.8M | 277.1M | 21.3M | 37.7M | 80.3M | 14.8M | -16.3M | 1.3B | 0.0 | -869.4M | 0.0 | |
-1.5B | -747M | -672.2M | -680.8M | -475M | -292.6M | -433.7M | -134.5M | -92.9M | -75.8M | (14.5M) | (29.2M) | (49.7M) | (199.3M) | (433.5M) | (173.4M) | -128.6M | -524.8M | -1B | -786.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-50.3M | -45.6M | -17.7M | -89M | -25.2M | -3.4M | -2.5M | -723K | -389K | -949K | -259K | -257K | -1.4M | -82.7M | -108.4M | -86M | -142K | -564K | -54.7M | 716K | |
1.2B | 463M | 201.4M | 370.8M | 479.8M | 128M | 281M | 162.4M | 85M | 64.4M | -3.3M | -18M | -39.3M | -226.7M | -346.8M | -512.6M | -37.7M | -78M | 363.9M | 165.3M | |
-12.4M | -25.7M | -24.9M | -24.8M | -21.8M | -13.6M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -23.9M | -5.7M | (0.0) | (0.0) | |
-69.6M | -52.7M | -17.7M | -89M | -25.2M | -3.4M | -2.5M | -723K | -389K | -949K | -259K | -257K | -1.4M | -82.7M | -108.4M | -86M | -142K | -564K | -111.6M | (0.0) | |
268K | 889K | 3.4M | 4.3M | 2.3M | 51.3M | 50.2M | 50K | 7K | 4K | -2K | -143K | 26K | 0.0 | -3.4M | -9.1M | -4.2M | -5.6M | -10.7M | -17.8M | |
1.1B | 393.6M | 163.3M | 261.3M | 510.3M | 162.4M | 368.7M | 161.7M | 84.6M | 63.5M | -3.6M | -18.4M | -40.7M | -309.4M | -458.6M | -607.7M | -66M | -84.2M | 298.5M | 148.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
0.0 | 0.0 | 2K | -36K | -5K | 23K | -354K | 1M | 144K | -1.6M | -721K | -1M | 814K | 182K | 896K | -920K | 3.1M | -3M | 3.4M | 0.0 | |
267.8M | 116M | -49.5M | -73.4M | 247.7M | 82.6M | 34.6M | 71.1M | -33.6M | 25M | 11.1M | -10.9M | -17M | -77M | 59.6M | -99.7M | 96.2M | -43.1M | 27.1M | -130.2M | |
499.6M | 383.7M | 433.2M | 506.6M | 259M | 176.4M | 141.8M | 70.7M | 76.1M | 51M | 39.9M | 50.9M | 67.9M | 144.9M | 85.4M | 185M | 94.4M | 137.5M | 110.4M | 240.7M | |
767.4M | 499.6M | 383.7M | 433.2M | 506.6M | 259M | 176.4M | 141.8M | 42.5M | 76.1M | 51M | 39.9M | 50.9M | 67.9M | 144.9M | 85.4M | 190.7M | 94.4M | 137.5M | 110.4M | |
632.9M | 467.6M | 455.3M | 341.3M | 205.3M | 212M | 99.7M | 41.5M | -25.9M | 38.7M | -20K | -24.8M | -30.3M | 30.8M | 82.2M | 331.7M | 284.1M | 559M | 701.3M | 480M |
ATLC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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