Atlanticus Holdings Corp
ATLC Nasdaq· Personal Credit Institutions
Last close · Oct 26, 2026
$87.39
KIRA · Stoqly’s AI analyst, in plain words
- Atlanticus Holdings Corp had $2.0B of revenue in fiscal 2025, up 50.1% on the year before. Over five years, revenue changed +28.4% a year on average.
- Atlanticus Holdings Corp made $122M of net profit in fiscal 2025.
- Atlanticus Holdings Corp returned $69.6M to shareholders in fiscal 2025. The diluted share count rose 2.0%.
Market cap
$1.7B
P/E
11.4x
Revenue
$2.0B
Net income
$122M
Free cash flow
—
Operating margin
—
Atlanticus Holdings Corp in 30 seconds · fiscal 2025
Are sales growing?
+50.1%
Yes. Sales grew 50.1% last year.
Does it make a profit?
6.2%
A little. It keeps 6.2% of every sale as profit.
How healthy are the accounts?
4 / 7
Mixed. It passes 4 of 7 health tests.
How is the share priced?
11.4x
One share costs 11.4 times its yearly profit per share.
What Atlanticus Holdings Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- Atlanticus Holdings Corp
- CIK
- 0001464343
Atlanticus Holdings Corp · ATLC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $748M | $1.0B | $1.2B | $1.3B | $2.0B |
| Revenue growth | 32.8% | 40.0% | 10.4% | 13.5% | 50.1% |
| Gross margin | 89.9% | 90.9% | 91.3% | 91.0% | 91.8% |
| Net income | $178M | $136M | $103M | $111M | $122M |
| Net margin | 23.8% | 13.0% | 8.9% | 8.5% | 6.2% |
| Diluted EPS | $7.56 | $5.83 | $4.24 | $4.77 | $5.96 |
| Cash | |||||
| Cash from operations | $212M | $348M | $459M | $469M | $638M |
| Share buybacks | $25.2M | $89.0M | $17.7M | $52.7M | $69.6M |
| Share count change | 4.0% | −7.3% | −2.5% | −0.4% | 2.0% |
| Debt and strength | |||||
| Cash and short-term investments | — | — | $339M | $375M | $621M |
| Loans, net | $1.4B | $1.9B | — | — | — |
| Shareholders' equity | $288M | $326M | $395M | $493M | $609M |
| Returns and quality | |||||
| Return on equity | 97.4% | 44.1% | 28.5% | 25.1% | 22.2% |
| Return on tangible equity | 54.0% | 33.9% | 19.7% | 17.7% | 19.3% |
| Efficiency ratio | 25.4% | 22.7% | 19.6% | 20.0% | 20.2% |
| Piotroski F-score | 5 | 6 | 5 | 4 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$10.6M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Atlanticus Holdings Corp · ATLC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $87.39 a share, the company is worth $1.7B: 11.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001464343). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.