Atlanticus Holdings Corporation ATLC R2KFINANCIAL
Company Overview
Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance. Its CaaS segment offers private label credit products associated with the healthcare space under the Curae brand, as well as consumer electronics, furniture, elective medical procedures, and home-improvement under the Fortiva brand and its retail partners' brands; and general-purpose credit cards under the Aspire, Imagine, Mercury, and Fortiva brand names. The company's private label and general-purpose credit cards originated from its bank partners through various channels, including retail and healthcare point-of-sale locations, direct mail solicitation, and digital marketing and partnerships with third parties. This segment also offers loan servicing, such as risk management and customer service outsourcing for third parties, as well as engages in other product testing and investments. 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 and pay-here used car business. This segment also provides floor plan financing and installment lending products. The company was founded in 1996 and is headquartered in Atlanta, Georgia.
Why Investors Should Care
Generates a return on equity of 21.4%, reflecting efficient use of shareholder capital.
Net profit has compounded at 35.8% per year over the last five years.
Revenue has grown at a 85.8% CAGR over the past five years.
Trades at a P/E of 13.9, below the sector median of 14.5.
Maintains a net profit margin of 21.4%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $402.60M (+34.5% YoY); net profit $122.20M.
- Trailing 12 Months Year-on-year growth — revenue +60.8%, earnings +50.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 85.8%, profit CAGR 35.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 85.77% |
| 1 Year: | 60.80% |
Compounded Profit Growth
| 5 Years: | 35.82% |
| 1 Year: | 50.20% |
Stock Price Performance
| 1 Year: | +49.65% |
| 6 Months: | +69.91% |
| 3 Months: | +10.74% |
| 1 Month: | -16.69% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)45.31 · Neutral
P/E of 13.90 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 21.4%.
- Excellent profit margin of 21.4%.
- Compounding revenue at 85.8% over 5 years.
- Profit CAGR of 35.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ATLC Atlanticus Holdings Corporation R2KFINANCIAL | 93.13 | 13.90 | $1.41B | 0.00% | - | 21.40% | 85.77% | 35.82% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2014 | Jun 2014 | Sep 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 444.00K | 1.40M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 87.14M | 89.62M | 103.34M | 122.50M | 146.39M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 47.53M | 53.68M | 75.46M | 125.22M | 122.76M | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 40.87M | 40.15M | 32.48M | 46.22M | 58.85M | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.75M | 9.86M | 7.89M | 11.61M | 14.27M | - |
| Net Income | -11.17M | -11.18M | -5.85M | 1.97M | 1.40M | 433.00K | 4.55M | 277.00K | -9.06M | 728.00K | -8.78M | -14.47M | -4.67M | 5.63M | -16.09M | 5.71M | 5.24M | 13.08M | 5.42M | 23.16M | 38.85M | 44.08M | 36.88M | 46.97M | 45.01M | 34.02M | 32.57M | 26.21M | 25.09M | 25.24M | 26.17M | 24.28M | - | - | 31.52M | 30.57M | 24.98M | 35.13M | 44.17M | 49.72M |
| Diluted EPS | -0.79 | -0.80 | -0.42 | 0.14 | 0.10 | 0.03 | 0.33 | 0.02 | -0.65 | 0.05 | -0.63 | -1.04 | -0.34 | 0.41 | -1.16 | 0.39 | 0.35 | 0.83 | 0.17 | 0.93 | 1.72 | 1.91 | 1.56 | 1.96 | 1.96 | 1.46 | 1.41 | 1.08 | 1.02 | 1.03 | 1.09 | 0.99 | 1.27 | - | 1.49 | 1.51 | 1.21 | - | 2.23 | 2.50 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | 5.27M | 5.56M | 455.20M | 563.41M | - | 292.56M | 256.34M | 299.40M | 402.60M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 81.85M | 109.34M | 160.17M | 301.90M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | 149.27M | 128.56M | 138.58M | 159.71M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 14.66M | 26.60M | 28.47M | 39.10M |
| Net Income | -97.50M | 134.02M | 24.45M | -17.74M | 7.18M | 1.71M | -6.33M | -40.78M | 7.86M | 26.44M | 94.12M | - | 135.60M | 102.84M | 111.30M | 122.20M |
| Diluted EPS | -2.45 | 5.19 | 1.26 | -1.29 | 0.51 | 0.12 | -0.46 | -2.93 | 0.56 | 1.66 | 3.95 | - | 5.83 | 4.24 | 4.77 | 5.96 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 880.91M | 647.91M | 380.43M | 352.24M | 268.36M | 280.73M | 362.55M | 425.61M | 582.61M | 936.27M | 1.21B | - | 2.39B | 2.71B | 3.27B | 7.62B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 185.02M | 85.35M | 144.91M | 67.92M | 50.87M | 39.92M | 51.03M | 76.05M | 42.49M | - | - | - | - | 384.98M | 339.34M | 375.42M | 621.09M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | - | 819.09M | 571.58M | 361.24M | 351.08M | 260.91M | 269.78M | 356.77M | 461.74M | 604.74M | 846.88M | 991.35M | - | 2.06B | 2.31B | 2.78B | 7.02B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.80B | 2.01B | 2.48B | 6.52B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.82B | 2.03B | 2.51B | 6.54B |
| Total Equity | 207.72M | 42.84M | 76.12M | 19.30M | 1.16M | 7.44M | 10.96M | 5.79M | -36.03M | -21.79M | 906.00K | 77.28M | - | 326.41M | 394.68M | 492.91M | 608.70M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.45M | 14.60M | 14.90M | 14.92M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 335.51M | 83.77M | 2.98M | -26.86M | -20.73M | 864.00K | 39.02M | -26.47M | 42.86M | 99.96M | 212.73M | - | 347.63M | 459.32M | 469.40M | 637.96M |
| Investing Cash Flow | 173.42M | 433.51M | 229.24M | 49.72M | 29.20M | 14.54M | -75.84M | -80.32M | -134.52M | -433.69M | -292.57M | - | -682.28M | -672.20M | -747.03M | -1.51B |
| Financing Cash Flow | -607.68M | -458.62M | -309.40M | -40.72M | -18.40M | -3.57M | 63.46M | 84.64M | 161.75M | 368.72M | 162.38M | - | 261.25M | 163.34M | 393.61M | 1.14B |
| Capital Expenditure | -3.86M | -1.54M | -2.19M | -3.49M | -4.07M | -884.00K | -349.00K | -395.00K | -1.38M | -250.00K | -749.00K | - | -4.85M | -3.99M | -1.79M | -5.02M |
| Free Cash Flow | 331.65M | 82.23M | 798.00K | -30.34M | -24.80M | -20.00K | 38.67M | -26.86M | 41.47M | 99.71M | 211.99M | - | 342.78M | 455.32M | 467.62M | 632.94M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | -73.40M | -49.54M | 115.98M | 267.77M |
| Share Buybacks | 689.00K | 3.39M | 196.00K | 1.40M | 257.00K | 259.00K | 949.00K | 389.00K | 723.00K | 2.52M | 3.35M | 25.22M | 89.01M | 17.67M | 52.67M | 69.57M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - | -773.4% | 141.4% | 5.8% | 16.7% | - | 46.3% | 40.1% | 37.2% | 30.4% |
| ROE % | -227.6% | 176.1% | 126.7% | -1,524.1% | 96.5% | 15.6% | -109.5% | 113.2% | -36.1% | 2,918.7% | 121.8% | - | 41.5% | 26.1% | 22.6% | 20.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 3.45% | 522.64K | $47.60M |
| 2 | Dimensional Fund Advisors LP | 3.00% | 454.39K | $41.39M |
| 3 | Blackrock Inc. | 2.81% | 425.77K | $38.78M |
| 4 | Vanguard Capital Management LLC | 1.55% | 235.89K | $21.48M |
| 5 | American Century Companies Inc | 1.46% | 221.05K | $20.13M |
| 6 | Geode Capital Management, LLC | 0.95% | 143.89K | $13.11M |
| 7 | HB Wealth Management, LLC | 0.78% | 118.94K | $10.83M |
| 8 | State Street Corporation | 0.78% | 117.94K | $10.74M |
| 9 | Arrowstreet Capital, Limited Partnership | 0.78% | 118.00K | $10.75M |
| 10 | Bridgeway Capital Management, LLC | 0.66% | 99.60K | $9.07M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ATLC
Is Atlanticus (ATLC) Stock Undervalued Right Now? - Yahoo Finance
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Atlanticus Holdings, Intercontinental Exchange, and PayPal Shares Skyrocket, What You Need To Know - StockStory
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Atlanticus Holdings Corp (ATLC) Stock Down 3.6% but Still Overva - GuruFocus
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Wellington Management Group LLP Trims Stock Holdings in Atlanticus Holdings Corporation $ATLC - marketbeat.com
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Two Atlanticus executives will participate in a New York finance event Sept. 10 - Stock Titan
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ATLC — Frequently Asked Questions
What is the current share price of Atlanticus Holdings Corporation (ATLC)?
As of 2026-09-07 16:24 PDT, Atlanticus Holdings Corporation (ATLC) trades at $93.13 on NasdaqGS. Its 52-week range is $47.96 to $111.79.
What is the market capitalisation of ATLC?
Atlanticus Holdings Corporation (ATLC) has a market capitalisation of $1.41B on NasdaqGS.
What is the P/E ratio of ATLC?
ATLC trades at a trailing price-to-earnings (P/E) ratio of 13.90. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 2.33.
What is the return on equity (ROE) of ATLC?
ATLC has a return on equity (ROE) of 21.40%.
Is ATLC a good stock to buy?
This page provides a data-driven analysis of Atlanticus Holdings Corporation (ATLC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.