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Data is in US dollars, converted at the ECB reference rate of Oct 23, 2026.

Atlanticus Holdings Corp

ATLC Nasdaq Personal Credit Institutions Financials FY2016–FY2025

Last close · Oct 23, 2026

$86.19

5.8%
Compare
Revenue Total sales reported in the income statement.
$2.0B
50.1% vs prior year
Operating margin Operating income as a share of revenue.
—
Net income Profit after all expenses, interest and tax.
$122M
9.8%
Free cash flow Cash from operations minus capital spending.
—
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap Last close times the latest diluted share count, so it is approximate.
$1.7B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
11.2x
On $7.69 EPS (TTM)

What Atlanticus Holdings Corp does

No business description yet.

Legal name
Atlanticus Holdings Corp
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 12, 2026
Accession · CIK
0001437749-26-007972
0001464343

Revenue and margins

Atlanticus Holdings Corp had $2.0B of revenue in fiscal 2025, up 50.1% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was — in fiscal 2025, — of revenue. Cash from operations minus capital spending.

Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Atlanticus Holdings Corp returned $69.6M to shareholders in fiscal 2025. The diluted share count rose 2.0%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably Atlanticus Holdings Corp can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments ——$339M$375M$621M
Total assets $1.9B$2.4B$2.7B$3.3B$7.6B
Total liabilities $1.5B$1.9B$2.2B$2.7B$7.0B
Shareholders' equity $288M$326M$395M$493M$609M
Net debt (− = net cash) —————

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive ✕ ✕ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Cash from operations is positive ✓ ✕ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Return on assets rose — ✕ ✓ ✓ ✓ ✓ ✕ ✕ ✕ ✕
Cash from operations exceeds net income ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Debt fell relative to assets — — — — — — — — — —
Current ratio rose — — — — — — — — — —
Share count didn't rise — ✕ ✕ ✕ ✕ ✕ ✓ ✓ ✓ ✕
Gross margin rose — — ✕ ✓ ✕ ✓ ✓ ✓ ✕ ✓
Revenue rose relative to assets — ✕ ✕ ✓ ✕ ✕ ✓ ✕ ✕ ✕
F-score — / 3— / 64 / 76 / 74 / 75 / 76 / 75 / 74 / 74 / 7
Accruals ratio −12.5%−3.6%−6.9%−9.7%−11.1%−2.2%−9.8%−14.0%−12.0%−9.5%
Altman Z'' ——————————

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $76.1M $5.3M $5.6M $455M $563M $748M $1.0B $1.2B $1.3B $2.0B
Net interest income $68.4M $87.0M $124M $210M — — — — — —
Noninterest income $7.7M $6.4M $42.4M $112M $3.4M $4.2M $0.8M $0.6M $1.5M $0.0M
Noninterest expense $74.2M $86.8M $92.3M $126M $146M $190M $237M $226M $263M $397M
Provision for credit losses $53.7M $77.6M — — — — — — — —
Gross profit — −$26.3M −$31.6M $406M $500M $673M $951M $1.1B $1.2B $1.8B
Interest expense $20.2M $27.7M $36.9M $50.7M $51.5M $54.1M $81.9M $109M $160M $302M
Pretax income −$12.4M −$47.3M $3.5M $31.8M $114M $220M $149M $129M $139M $160M
Income tax −$6.0M −$6.4M −$4.1M $5.6M $20.5M $41.8M $14.7M $26.6M $28.5M $39.1M
Net income −$6.3M −$40.8M $7.9M $26.4M $94.1M $178M $136M $103M $111M $122M
Net income to common — — $7.9M $25.3M $77.1M $156M $111M $77.6M $87.4M $112M
Diluted EPS −$0.46 −$2.93 $0.56 $1.66 $3.95 $7.56 $5.83 $4.24 $4.77 $5.96
Diluted shares 0.01B 0.01B 0.01B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B
Cash flow
Cash from operations $39.0M −$26.5M $42.9M $100.0M $213M $212M $348M $459M $469M $638M
Capital expenditure $0.3M $0.4M $1.4M $0.3M $0.7M — — — — —
Free cash flow $38.7M −$26.9M $41.5M $99.7M $212M — — — — —
Depreciation and amortization $2.2M $1.0M $1.0M $7.7M $8.0M $2.5M $4.8M $4.0M $5.2M $9.9M
Stock-based compensation — $1.5M $1.3M $1.7M $1.4M $3.2M $4.2M $3.8M $3.9M $4.3M
Acquisitions — — — — — — — — $0.0M $72.9M
Share buybacks $0.9M $0.4M $0.7M $2.5M $3.4M $25.2M $89.0M $17.7M $52.7M $69.6M
Dividends and buybacks $0.9M $0.4M $0.7M $2.5M $3.4M $25.2M $89.0M $17.7M $52.7M $69.6M
Balance sheet
Cash and short-term investments $92.6M $70.7M — — — — — $339M $375M $621M
Loans, net $239M $305M $425M $726M $920M $1.4B $1.9B — — —
Property and equipment, net $3.8M $3.2M $3.6M $2.7M $2.2M $7.3M $10.0M $11.4M $10.5M $12.6M
Intangible assets — — — — — — — — $0.0M $30.3M
Total assets $363M $426M $583M $936M $1.2B $1.9B $2.4B $2.7B $3.3B $7.6B
Total liabilities $357M $462M $605M $847M $991M $1.5B $1.9B $2.2B $2.7B $7.0B
Shareholders' equity $5.8M −$36.0M −$21.8M $0.9M $77.3M $288M $326M $395M $493M $609M
Margins
Gross margin — −498.0% −568.6% 89.1% 88.8% 89.9% 90.9% 91.3% 91.0% 91.8%
Net margin −8.3% −773.4% 141.4% 5.8% 16.7% 23.8% 13.0% 8.9% 8.5% 6.2%
FCF margin 50.8% −509.5% 746.5% 21.9% 37.6% — — — — —
Net interest share of revenue 89.9% 1,650.0% 2,236.7% 46.2% — — — — — —
Efficiency ratio 97.4% 1,646.6% 1,660.6% 27.8% 25.9% 25.4% 22.7% 19.6% 20.0% 20.2%
Returns
Return on equity −109.5% — — — 240.7% 97.4% 44.1% 28.5% 25.1% 22.2%
Return on assets −1.7% −10.3% 1.6% 3.5% 8.8% 11.3% 6.3% 4.0% 3.7% 2.2%
Return on tangible equity −109.5% — — 2,791.4% 99.7% 54.0% 33.9% 19.7% 17.7% 19.3%
Growth
Revenue growth — −93.1% 5.4% 8,092.9% 23.8% 32.8% 40.0% 10.4% 13.5% 50.1%
Net income growth — — — 236.6% 255.9% 89.0% −23.8% −24.2% 8.2% 9.8%
EPS growth — — — 196.4% 138.0% 91.4% −22.9% −27.3% 12.5% 24.9%
FCF growth — −169.5% — 140.4% 112.6% — — — — —
Share count change — 0.0% 0.4% 9.1% 31.6% 4.0% −7.3% −2.5% −0.4% 2.0%
Financial health
Provision / loans 22.4% 25.4% — — — — — — — —
Capital allocation
Capex / revenue 0.5% 7.5% 24.9% 0.1% 0.1% — — — — —
Stock comp / revenue — 29.0% 23.8% 0.4% 0.2% 0.4% 0.4% 0.3% 0.3% 0.2%
Payouts / FCF 2.5% — 1.7% 2.5% 1.6% — — — — —
Quality scores
Piotroski F-score — — 4.0 6.0 4.0 5.0 6.0 5.0 4.0 4.0
Accruals ratio −12.5% −3.6% −6.9% −9.7% −11.1% −2.2% −9.8% −14.0% −12.0% −9.5%

Source: SEC EDGAR XBRL filings (CIK 0001464343). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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