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+88.0%
5Y+80.0%
10Y+1085.0%
3Y-10.0%
5Y+30.0%
10Y-2029.0%
3Y+84.0%
5Y+200.0%
10Y+1535.0%
Atlanticus Holdings Corporation

Atlanticus Holdings Corporation Profit Bridge

ATLC ยท NASDAQ
Revenue704.50M
Cost of Goods Sold (308.14M)
Gross Profit396.36M
Operating Expenses (236.65M)
Operating Income159.71M
Interest Expense (301.90M)
Other Income/Expense0.00
Pretax Income159.71M
Income Tax (39.10M)
Net Income122.20M
Net Income
122.20M

Profitability Analysis

Gross Margin

56.3%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

22.7%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

17.3%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

24.5%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Atlanticus Holdings Corporation Income Statement

ATLC โ€ข NASDAQ

Atlanticus Holdings Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
704.5M
459.6M
365.7M
374.4M
453.9M
391.8M
350.1M
158.9M
75M
59.5M
72M
104.3M
99.7M
131.7M
259.5M
662.7M
-195.7M
296.1M
1.7B
1.3B
GROSS PROFIT
(308.1M)
(176.5M)
(111.5M)
(83.1M)
(90.6M)
(194.3M)
(57.2M)
(38.1M)
(32.6M)
(38.1M)
(77.8M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
396.4M
283M
254.2M
291.3M
363.3M
197.5M
293M
120.8M
42.5M
21.3M
-5.9M
104.3M
99.7M
131.7M
259.5M
662.7M
-195.7M
296.1M
1.7B
1.3B
OPERATING INCOME
(236.6M)
(144.5M)
(125.6M)
(142M)
(143.8M)
(83.2M)
(64.3M)
-118.3M
(13.1M)
(3.2M)
(2.2M)
(2.4M)
(8.7M)
(3M)
(3.6M)
(6.7M)
(16.7M)
-830.4M
-1.7B
-1.1B
(182.8M)
(106.3M)
(96.3M)
(105.5M)
(90.7M)
(64.1M)
(62.6M)
(35.6M)
(35.8M)
(27.2M)
(22.1M)
(22.2M)
(26.6M)
(20.3M)
(100M)
(165.4M)
(276.1M)
(46.4M)
(216.8M)
(50.2M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(2.7M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
159.7M
138.6M
128.6M
149.3M
219.6M
114.4M
32M
40.6M
6.4M
-12.4M
3.5M
-27.3M
-22.8M
-43.8M
46.5M
348.7M
-725.2M
-337.9M
-40.7M
180.8M
PRE-TAX INCOME
(301.9M)
(160.2M)
(109.3M)
(81.9M)
(54.1M)
(51.5M)
(50.7M)
(36.9M)
(27.7M)
(20.2M)
(18.3M)
(24.1M)
(23.9M)
(31.1M)
(44M)
(58.6M)
(42.1M)
(42.8M)
(81.5M)
(52.5M)
1.1B
819.6M
769.8M
704.4M
464.7M
359.1M
210.5M
124.3M
87M
68.4M
51.6M
49.6M
45.6M
55.7M
101.7M
205.2M
34.9M
45.1M
381.3M
245.7M
(53.8M)
(38.1M)
(29.3M)
(36.6M)
(53.1M)
(19.1M)
(1.7M)
-153.8M
-48.6M
-30.4M
(1.3M)
-7.4M
-19.4M
-30.2M
(0.0)
(0.0)
(0.0)
-876.8M
-1.9B
-1.2B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-38.9M
-49.6M
-20.1M
-4.8M
-53.4M
-42.8M
0.0
-30.7M
-153.2M
-307.5M
196.4M
-1.6M
-12.9M
159.7M
138.6M
128.6M
149.3M
219.6M
114.4M
31.8M
3.5M
-47.3M
-12.4M
3.5M
-27.3M
-22.8M
-43.8M
15.8M
-116.1M
-725.2M
-139.4M
-42.3M
167.9M
NET INCOME
(39.1M)
(28.5M)
(26.6M)
(14.7M)
(41.8M)
(20.5M)
(5.6M)
-4.1M
-6.4M
-6M
(1.8M)
-34.6M
-5.1M
-15.6M
-277K
-1.9M
-178.1M
-44.2M
-11.8M
(60.5M)
122.2M
111.3M
102.8M
135.6M
177.9M
94.1M
26.4M
7.9M
-40.8M
-6.3M
1.7M
7.2M
-17.7M
24.5M
134M
-97.5M
-540.9M
-101.6M
-51M
107.5M

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