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  4. ATLANTICUS HOLDINGS CORP
Atlanticus Holdings Corp
XNAS: ATLC
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XNAS 09 Oct, 2026 5:30 PM (EDT)

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Atlanticus Holdings Corp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Atlanticus Holdings Corp share price target, revenues, EPS, net income and more

Atlanticus Holdings Corp quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Atlanticus Holdings Corp Jun-2026 Quarterly Revenue is $167 Million which is growth of 86.1% YoY.

  • POSITIVE

    Quarterly Net Profit Atlanticus Holdings Corp Jun-2026 Quarterly Net Profit is $50 Million which is growth of 62.6% YoY.

Atlanticus Holdings Corp, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
166.8146.4122.5103.389.687.188.776.964.169.765.862.965
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------26.22425.1
Operating Profit
----------0.70.70.6
⌄
-------------
Profit Before Tax
6658.946.232.540.240.939.937.328.632.830.731.832
Tax
16.314.311.67.99.99.88.98.14.574.46.87.2
⌄
47.441.932.822.728.42826.323.21819.92018.918.8
Diluted NI Avail to Com Stockholders Ann.
4842.533.423.32928.626.923.818.620.520.619.519.4
Basic EPS
3.12.82.21.51.91.91.81.61.21.41.41.31.3
Diluted EPS After ExtraOrdinary
2.52.21.81.21.51.51.41.311.11.111
Number Of Shares End
15.21515.115.115.115.114.814.714.814.714.614.514.4
Net Income Continuing Discontinued Operations
49.744.235.12530.631.531.329.524.326.226.325.225.1
Normalized Income
49.744.235.12530.631.531.329.524.326.226.325.225.1
Interest Income
545.1529.5538.5341.2276.4247.7251.7255.4242.4230.4224.7224.7220
Interest
123.4122.8125.275.553.747.544.742.53835.132.628.324.2
Net Interest Income
421.7406.7413.3265.7222.7200.1207212.9204.4195.3192.1196.4195.8
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
5.15.14.12.51.71.61.41.31.31.31.31.10.9
Profit From Continuing Operations
49.744.634.624.630.331.13129.224.125.826.32524.8
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Atlanticus Holdings Corp competitor comparison and performance snapshot within industry

Atlanticus Holdings Corp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Atlanticus Holdings Corp Dec-2025 Annual Revenue is $403 Million which is growth of 34.5% YoY.

  • POSITIVE

    Annual Net Profit Atlanticus Holdings Corp Dec-2025 Annual Net Profit is $122 Million which is growth of 9.8% YoY.

Atlanticus Holdings Corp, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
11.2%
3.4%
 402.6299.4256.3292.6399.8340.3350.1155.372.755.772
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---111.9-84-55.6-52.8-51.9-37.9-28.7-27.7-59.1
Operating Profit Ann.
-
-
 --368.2376.6455.4393.1402196.8103.887.2131.1
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
2.3%
6.9%
203.6159.7138.6128.6149.3219.6114.431.83.5-47.3-12.43.5
Tax Ann.
38.6%
13.8%
50.139.128.526.614.741.820.55.6-4.1-6.4-61.8
⌄
0.4%
7.7%
144.8111.887.477.7110.5155.577.125.37.9-40.8-6.31.7
Diluted NI Avail to Com Stockholders Ann.
0.4%
7.5%
147.2114.289.880.1112.9157.979.525.37.9-40.8-6.31.7
EPS Ann.
-0.9%
6.9%
 7.45.95.47.610.35.31.70.6-2.9-0.50.1
Diluted EPS Ann.
1.1%
8.4%
 64.84.25.87.641.70.6-2.9-0.50.1
Number Of Shares End
1.4%
0.7%
 15.114.814.614.51514.614.41413.913.913.9
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
-3.4%
5.4%
154122.2111.3102.8135.6177.994.126.47.9-40.8-6.31.7
Normalized Income Ann.
-3.4%
5.4%
154122.2111.3102.8135.6201.894.122.27.9-40.8-71.7
Interest Income Ann.
21.3%
27.9%
1,954.21,403.7979.8879.1786.2518.8410.6261.2161.2114.788.669.9
Interest Ann.
54.5%
42.4%
446.9301.9160.2109.381.954.151.650.736.927.720.218.3
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
26.4%
4.4%
16.89.95.244.92.587.7117.540.6
Profit From Continuing Operations Ann.
-3.6%
5.1%
153.5120.6110.1102134.6177.893.926.27.6-40.9-6.31.7
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
34.5%
2Y CAGR
25.3%
3Y CAGR
11.2%
5Y CAGR
3.4%
7Y CAGR
14.6%
10Y CAGR
18.8%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
1Y CHG
9.8%
2Y CAGR
9%
3Y CAGR
-3.4%
5Y CAGR
5.4%
7Y CAGR
47.9%
10Y CAGR
53.3%
Net Profit Annual growth is stable compared to historical averages.

Atlanticus Holdings Corp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Atlanticus Holdings Corp Dec-2025 Total Shareholders Fund is $609 Million which is growth of 23.5% YoY.

  • POSITIVE

    Total Assets Atlanticus Holdings Corp Dec-2025 Total Assets is $7,623 Million which is growth of 133.1% YoY.

Atlanticus Holdings Corp, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
47.2%
44.6%
7,623.13,270.72,706.42,387.81,943.91,207.2936.3582.6425.6364280.7
⌄
50.4%
44.1%
7,019.32,781.32,3142,062.81,656.41,130.7935.9604.7461.7358.2269.8
⌄
23.1%
51.1%
608.7492.9394.7326.428877.30.9-21.8-365.811
Total Capitalization Ann.
49.7%
48.5%
7,1262,973.92,400.82,124.11,709.8987.2778.1476.9300.8261.5206.7
Tangible Assets Ann.
21%
49.6%
578.4492.9394.7326.428877.30.9-21.8-365.811
Working Capital Ann.
-
-
--
Invested Capital Ann.
49.7%
48.5%
7,1262,973.92,400.82,124.11,709.8987.2778.1476.9300.8261.5206.7
Tangible Book Value Ann.
21%
49.6%
578.4492.9394.7326.428877.30.9-21.8-365.811
Borrowings Ann.
53.3%
47.9%
6,542.62,505.22,026.31,817.81,426.7923.7799.5498.7336.9255.7195.8
Net Debt Ann.
61%
51.8%
5,896.22,105.61,666.81,412.71,012.2731.8641.7437.6295.1179.1143.9
Share Issued Ann.
0.9%
-1.5%
14.914.914.614.514.816.115.915.615.315.415.3
Number Of Shares End
1.4%
0.7%
15.114.814.614.51514.614.41413.913.913.9
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
133.1%
2Y CAGR
67.8%
3Y CAGR
47.2%
5Y CAGR
44.6%
7Y CAGR
44.4%
10Y CAGR
39.1%
Total Assets Annual growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
23.5%
2Y CAGR
24.2%
3Y CAGR
23.1%
5Y CAGR
51.1%
10Y CAGR
49.4%
Total ShareHolders Funds Annual growth is stable compared to historical averages.

Atlanticus Holdings Corp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Atlanticus Holdings Corp Book Value Per Share is $46 which is growth of 52.8% YoY.

  • NEUTRAL

    ROE Atlanticus Holdings Corp ROE is 0% which is growth of 0% YoY.

Atlanticus Holdings Corp, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-2.92%3.05%5.10%9.87%7.19%3.33%1.56%-10.33%-1.97%0.62%
ROE Ann. %
-
-
-19.69%21.54%35.98%85.16%197.08%----75.66%18.62%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--143.65%128.72%113.91%115.52%114.81%126.70%142.68%156.47%182.10%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.10.10.10.30.30.50.30.20.20.3
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-5.15.15.6512882.4--44.217.9
*All financials are in USD Million and price data in USD
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Atlanticus Holdings Corp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • POSITIVE

    Cash From Operating Activity Atlanticus Holdings Corp Dec-2025 Cash From Operating Activity is $638 Million which is growth of 35.9% YoY.

  • POSITIVE

    Net Cash Flow Atlanticus Holdings Corp Dec-2025 Net Cash Flow is $268 Million which is growth of 130.9% YoY.

Atlanticus Holdings Corp, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
22.6%
24.6%
638469.4459.3346.1212.4212.710042.9-25.5390.9
⌄
-
-
-1,511.9-747-672.2-680.8-475-292.6-433.7-134.5-92.9-75.814.5
⌄
63.5%
47.7%
1,141.7393.6163.3261.3510.3162.4368.7161.884.663.5-3.6
Cash Plus Cash Eqv. End Of Year Ann.
21%
24.3%
767.4499.6383.7433.2506.6259176.4141.842.576.151
Net Increase In Cash Plus Cash Eqv.s Ann.
-
26.6%
267.8116-49.5-73.4247.782.53570.1-33.726.611.8
Cash Plus Cash Eqv. Begin Of Year Ann.
-0.5%
23.1%
499.6383.7433.2506.6259176.4141.870.776.15139.9
Income Tax Paid Supplemental Data Ann.
-38.5%
27.2%
10.21.54.3200.304.80.30.41.1
Interest Paid Supplemental Data Ann.
52.7%
42%
268.4145.799.575.447.646.546.333.525.519.517.9
Capex Ann.
-
-
-5-1.8-4-4.9-7.1-0.8-0.3-1.4-0.4-0.4-0.9
Issuance Of Capital Stock Ann.
254.4%
-
17.88.21.10.475.340----
Issuance Of Debt Ann.
79.5%
46.2%
3,935.21,029.2955.3680.51,066.3588.2873.3632325242.4164.9
Repayment Of Debt Ann.
-
-
-2,731.1-566.2-753.9-309.8-586.5-460.3-592.3-469.6-240-178-168.2
Repurchase Of Capital Stock Ann.
-
-
-69.6-52.7-17.7-89-25.2-3.4-2.5-0.7-0.4-1-0.3
Free Cash Flow Ann.
22.9%
24.5%
632.9467.6455.3341.3205.321299.741.5-25.938.7-0
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
35.9%
2Y CAGR
17.9%
3Y CAGR
22.6%
5Y CAGR
24.6%
7Y CAGR
47.1%
10Y CAGR
92.8%
Cash from Operating Activity Annual growth is stable compared to historical averages.
Cash from Financing Act. Ann.
1Y CHG
190.1%
2Y CAGR
164.4%
3Y CAGR
63.5%
5Y CAGR
47.7%
7Y CAGR
32.2%
Cash from Financing Annual Activity growth is higher than historical averages.
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