Atlanticus Holdings Corporation

Atlanticus Holdings Corporation

ATLCยทNASDAQ

$83.18

-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$1.26B
EPS7.3900
P/E Ratio8.29
Earnings Date08/06/2026
3Y+84.0%
5Y+200.0%
10Y+1535.0%
3Y+122.0%
5Y+417.0%
10Y+1893.0%
3Y+337.0%
5Y+603.0%
10Y+1699.0%
ATLC

Atlanticus Holdings Corporation Cash Conversion Engine

ATLC ยท NASDAQ
Net Income120.61M
Depreciation & Amortization9.90M
Stock-Based Compensation4.29M
Change in Working Capital-444.67M
Others909.18M
Capital Expenditures-5.02M
Free Cash Flow632.94M

Cash Flow Quality Analysis

FCF Conversion Rate

524.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+35.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$444.67M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Atlanticus Holdings Corporation Cash Flow Statement

ATLC โ€ข NASDAQ

Atlanticus Holdings Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

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