ATLC
Atlanticus Holdings Corporation
Price Chart
Latest Quote
$96.24
+1.18 (+1.24%)
Current Price
| Previous Close | $95.06 |
| Open | $97.30 |
| Day High | $98.56 |
| Day Low | $94.64 |
| Volume | 218,285 |
Stock Information
| Shares Outstanding | 15.12M |
| Total Debt | $6.35B |
| Cash Equivalents | $651.13M |
| Revenue | $628.89M |
| Net Income | $125.72M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $1.45B |
| P/E Ratio | 11.48 |
| EPS (TTM) | $8.38 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $7.19B |
| Sales | $628.89M |
| Income | $125.72M |
| Book/sh | $42.98 |
| Cash/sh | $43.07 |
| Employees | 576 |
Financial Ratios
| Quick Ratio | 14.22 |
| Current Ratio | 14.67 |
| Debt/Eq | 929.03 |
| EPS Growth TTM | 40.10% |
Returns & Margins
| ROA | 2.50% |
| ROE | 21.40% |
| Gross Margin | 72.39% |
| Operating Margin | 31.00% |
| Profit Margin | 21.44% |
Ownership
| Insider Ownership | 65.49% |
| Institutional Ownership | 24.93% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.21 |
| PEG | -0.10 |
| P/S | 2.31 |
| P/B | 2.24 |
Analyst Data
| Recommendation | none |
| Target Price | $104.00 |
Technical Indicators
| SMA20 | $86.04 |
| SMA50 | $78.76 |
| SMA200 | $63.86 |
| RSI | 58.20 |
| ATR | 5.1600 |
| Shares Float | 5.15M |
| Short Float | 21.80% |
| Short Ratio | 4.19 |
| Volatility | 2.16 |
| Rel Volume | 1.57 |
Performance History
| Week | +8.40% |
| Month | +24.73% |
| Quarter | +78.69% |
| 6 Months | +45.91% |
| YTD | +45.05% |
| Year | +88.93% |
| 3 Years | +160.04% |
| 5 Years | +145.70% |
| 10 Years | +3349.46% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-16 | $96.24 | 220,800 |
| 2026-06-15 | $95.06 | 233,300 |
| 2026-06-12 | $92.38 | 145,400 |
| 2026-06-11 | $91.18 | 151,400 |
| 2026-06-10 | $88.59 | 106,200 |
| 2026-06-09 | $88.78 | 137,800 |
| 2026-06-08 | $85.89 | 105,900 |
| 2026-06-05 | $84.10 | 101,700 |
| 2026-06-04 | $82.22 | 139,700 |
| 2026-06-03 | $76.33 | 171,000 |
| 2026-06-02 | $83.18 | 125,100 |
| 2026-06-01 | $82.61 | 122,700 |
| 2026-05-29 | $86.22 | 252,500 |
| 2026-05-28 | $84.75 | 258,500 |
| 2026-05-27 | $90.00 | 85,900 |
| 2026-05-26 | $88.56 | 69,100 |
| 2026-05-22 | $83.14 | 128,000 |
| 2026-05-21 | $81.61 | 80,500 |
| 2026-05-20 | $81.79 | 104,900 |
| 2026-05-19 | $78.10 | 65,600 |
| 2026-05-18 | $78.55 | 40,200 |
About Atlanticus Holdings Corporation
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.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $402,595,000 | $299,400,000 | $256,337,000 | $292,565,000 |
| Operating Revenue | $402,595,000 | $299,400,000 | $256,337,000 | $292,565,000 |
| Expenses | ||||
| Interest Expense | $301,903,000 | $160,173,000 | $109,342,000 | $81,851,000 |
| Selling And Marketing Expense | $113,265,000 | $56,186,000 | $52,421,000 | $62,403,000 |
| General And Administrative Expense | $69,572,000 | $50,143,000 | $43,906,000 | $43,063,000 |
| Other Non Interest Expense | $48,002,000 | $35,411,000 | $26,740,000 | $34,400,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $122,204,000 | $111,296,000 | $102,845,000 | $135,597,000 |
| Net Interest Income | $1,101,743,000 | $819,641,000 | $769,781,000 | $704,384,000 |
| Interest Income | $1,403,646,000 | $979,814,000 | $879,123,000 | $786,235,000 |
| Normalized Income | $122,204,000 | $111,296,000 | $102,845,000 | $135,597,000 |
| Net Income From Continuing And Discontinued Operation | $122,204,000 | $111,296,000 | $102,845,000 | $135,597,000 |
| Average Dilution Earnings | $2,400,000 | $2,400,000 | $2,400,000 | $2,400,000 |
| Net Income Common Stockholders | $111,796,000 | $87,368,000 | $77,647,000 | $110,521,000 |
| Net Income | $122,204,000 | $111,296,000 | $102,845,000 | $135,597,000 |
| Net Income Including Noncontrolling Interests | $120,609,000 | $110,106,000 | $101,954,000 | $134,612,000 |
| Net Income Continuous Operations | $120,609,000 | $110,106,000 | $101,954,000 | $134,612,000 |
| Pretax Income | $159,713,000 | $138,577,000 | $128,558,000 | $149,272,000 |
| Depreciation Amortization Depletion Income Statement | $5,808,000 | $2,715,000 | $2,560,000 | $2,175,000 |
| Depreciation And Amortization In Income Statement | $5,808,000 | $2,715,000 | $2,560,000 | $2,175,000 |
| Depreciation Income Statement | $5,808,000 | $2,715,000 | $2,560,000 | $2,175,000 |
| Special Income Charges | - | - | - | $0 |
| Per Share | ||||
| Diluted EPS | $5.96 | $4.77 | $4.24 | $5.83 |
| Basic EPS | $7.40 | $5.92 | $5.35 | $7.55 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $9,896,000 | $5,187,000 | $4,043,000 | $4,848,000 |
| Diluted Average Shares | $19,175,000 | $18,801,000 | $18,882,000 | $19,376,000 |
| Basic Average Shares | $15,113,000 | $14,748,000 | $14,504,000 | $14,629,000 |
| Diluted NI Availto Com Stockholders | $114,196,000 | $89,768,000 | $80,047,000 | $112,921,000 |
| Preferred Stock Dividends | $10,408,000 | $23,928,000 | $25,198,000 | $25,076,000 |
| Minority Interests | $1,595,000 | $1,190,000 | $891,000 | $985,000 |
| Tax Provision | $39,104,000 | $28,471,000 | $26,604,000 | $14,660,000 |
| Selling General And Administration | $182,837,000 | $106,329,000 | $96,327,000 | $105,466,000 |
| Salaries And Wages | $69,572,000 | $50,143,000 | $43,906,000 | $43,063,000 |
| Total Unusual Items | - | - | - | $0 |
| Total Unusual Items Excluding Goodwill | - | - | - | $0 |
| Gain On Sale Of Security | - | - | - | - |
Fetched: 2026-06-12
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $578,432,000 | $492,906,000 | $394,675,000 | $326,411,000 |
| Total Assets | $7,623,088,000 | $3,270,707,000 | $2,706,445,000 | $2,387,814,000 |
| Goodwill And Other Intangible Assets | $30,268,000 | $0 | - | - |
| Other Intangible Assets | $30,268,000 | - | - | - |
| Cash And Cash Equivalents | $621,093,000 | $375,416,000 | $339,338,000 | $384,984,000 |
| Cash Cash Equivalents And Federal Funds Sold | $767,407,000 | $499,636,000 | $383,653,000 | $433,192,000 |
| Prepaid Assets | - | - | - | $27,417,000 |
| Debt | ||||
| Net Debt | $5,896,230,000 | $2,105,584,000 | $1,666,800,000 | $1,412,707,000 |
| Total Debt | $6,542,606,000 | $2,505,188,000 | $2,026,318,000 | $1,817,803,000 |
| Long Term Debt And Capital Lease Obligation | $6,542,606,000 | $2,505,188,000 | $2,026,318,000 | $1,817,803,000 |
| Long Term Debt | $6,517,323,000 | $2,481,000,000 | $2,006,138,000 | $1,797,691,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $7,019,258,000 | $2,781,344,000 | $2,314,028,000 | $2,062,774,000 |
| Payables And Accrued Expenses | $436,652,000 | $186,156,000 | $147,460,000 | $105,021,000 |
| Payables | $436,652,000 | $186,156,000 | $147,460,000 | $105,021,000 |
| Total Tax Payable | $152,138,000 | $114,068,000 | $85,826,000 | $60,689,000 |
| Income Tax Payable | $152,138,000 | $114,068,000 | $85,826,000 | $60,689,000 |
| Accounts Payable | $284,514,000 | $72,088,000 | $61,634,000 | $44,332,000 |
| Equity | ||||
| Common Stock Equity | $608,700,000 | $492,906,000 | $394,675,000 | $326,411,000 |
| Total Equity Gross Minority Interest | $603,830,000 | $489,363,000 | $392,417,000 | $325,040,000 |
| Stockholders Equity | $608,700,000 | $492,906,000 | $394,675,000 | $326,411,000 |
| Retained Earnings | $506,424,000 | $394,628,000 | $307,260,000 | $204,415,000 |
| Preferred Securities Outside Stock Equity | $40,000,000 | $90,000,000 | $140,250,000 | $139,950,000 |
| Preferred Stock Equity | - | - | - | $40,000,000 |
| Long Term Equity Investment | - | - | - | - |
| Other | ||||
| Preferred Shares Number | $3,584,131 | $3,301,179 | $3,256,561 | $3,204,640 |
| Ordinary Shares Number | $14,922,462 | $14,904,192 | $14,603,563 | $14,453,415 |
| Share Issued | $14,922,462 | $14,904,192 | $14,603,563 | $14,453,415 |
| Tangible Book Value | $578,432,000 | $492,906,000 | $394,675,000 | $326,411,000 |
| Invested Capital | $7,126,023,000 | $2,973,906,000 | $2,400,813,000 | $2,124,102,000 |
| Capital Lease Obligations | $25,283,000 | $24,188,000 | $20,180,000 | $20,112,000 |
| Total Capitalization | $7,126,023,000 | $2,973,906,000 | $2,400,813,000 | $2,124,102,000 |
| Minority Interest | $-4,870,000 | $-3,543,000 | $-2,258,000 | $-1,371,000 |
| Additional Paid In Capital | $102,276,000 | $98,278,000 | $87,415,000 | $121,996,000 |
| Capital Stock | $0 | $0 | $0 | $0 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $25,283,000 | $24,188,000 | $20,180,000 | $20,112,000 |
| Net PPE | $27,693,000 | $24,397,000 | $22,755,000 | $21,795,000 |
| Accumulated Depreciation | $-12,764,000 | $-9,350,000 | $-6,923,000 | $-4,558,000 |
| Gross PPE | $40,457,000 | $33,747,000 | $29,678,000 | $26,353,000 |
| Leases | $8,725,000 | $6,106,000 | $5,972,000 | $3,437,000 |
| Other Properties | $25,824,000 | $22,325,000 | $19,570,000 | $19,194,000 |
| Machinery Furniture Equipment | $5,908,000 | $5,316,000 | $4,136,000 | $3,722,000 |
| Investments And Advances | - | - | - | - |
Fetched: 2026-06-12
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $632,939,000 | $467,616,000 | $455,325,000 | $342,778,000 |
| Operating Activities | ||||
| Operating Cash Flow | $637,963,000 | $469,405,000 | $459,317,000 | $347,630,000 |
| Cash Flow From Continuing Operating Activities | $637,963,000 | $469,405,000 | $459,317,000 | $347,630,000 |
| Operating Gains Losses | - | - | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-5,024,000 | $-1,789,000 | $-3,992,000 | $-4,852,000 |
| Investing Cash Flow | $-1,511,864,000 | $-747,031,000 | $-672,203,000 | $-682,285,000 |
| Cash Flow From Continuing Investing Activities | $-1,511,864,000 | $-747,031,000 | $-672,203,000 | $-682,285,000 |
| Net Other Investing Changes | $-1,433,977,000 | $-745,242,000 | $-668,211,000 | $-677,433,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-69,567,000 | $-52,674,000 | $-17,673,000 | $-89,008,000 |
| Issuance Of Capital Stock | $17,835,000 | $8,156,000 | $1,118,000 | $437,000 |
| Financing Cash Flow | $1,141,672,000 | $393,609,000 | $163,345,000 | $261,255,000 |
| Cash Flow From Continuing Financing Activities | $1,141,672,000 | $393,609,000 | $163,345,000 | $261,255,000 |
| Net Other Financing Charges | $268,000 | $-95,000 | $4,000 | $114,000 |
| Cash Dividends Paid | $-12,433,000 | $-25,741,000 | $-24,910,000 | $-24,793,000 |
| Preferred Stock Dividend Paid | $-12,433,000 | $-25,741,000 | $-24,910,000 | $-24,793,000 |
| Net Preferred Stock Issuance | $6,246,000 | $1,082,000 | $1,118,000 | $437,000 |
| Preferred Stock Issuance | $6,246,000 | $1,082,000 | $1,118,000 | $437,000 |
| Net Common Stock Issuance | $-57,978,000 | $-45,600,000 | $-17,673,000 | $-89,008,000 |
| Common Stock Issuance | $11,589,000 | $7,074,000 | $0 | - |
| Other | ||||
| Repayment Of Debt | $-2,731,065,000 | $-566,244,000 | $-753,877,000 | $-309,753,000 |
| Issuance Of Debt | $3,935,199,000 | $1,029,223,000 | $955,278,000 | $680,527,000 |
| Interest Paid Supplemental Data | $268,390,000 | $145,669,000 | $99,450,000 | $75,357,000 |
| Income Tax Paid Supplemental Data | $1,034,000 | $229,000 | $1,467,000 | $4,248,000 |
| End Cash Position | $767,407,000 | $499,636,000 | $383,653,000 | $433,192,000 |
| Beginning Cash Position | $499,636,000 | $383,653,000 | $433,192,000 | $506,628,000 |
| Changes In Cash | $267,771,000 | $115,983,000 | $-49,541,000 | $-73,400,000 |
| Proceeds From Stock Option Exercised | $1,435,000 | $984,000 | $3,405,000 | $3,731,000 |
| Common Stock Payments | $-69,567,000 | $-52,674,000 | $-17,673,000 | $-89,008,000 |
| Net Issuance Payments Of Debt | $1,204,134,000 | $462,979,000 | $201,401,000 | $370,774,000 |
| Net Long Term Debt Issuance | $1,204,134,000 | $462,979,000 | $201,401,000 | $370,774,000 |
| Long Term Debt Payments | $-2,731,065,000 | $-566,244,000 | $-753,877,000 | $-309,753,000 |
| Long Term Debt Issuance | $3,935,199,000 | $1,029,223,000 | $955,278,000 | $680,527,000 |
| Net Business Purchase And Sale | $-72,863,000 | $0 | - | - |
| Purchase Of Business | $-72,863,000 | $0 | - | - |
| Net PPE Purchase And Sale | $-5,024,000 | $-1,789,000 | $-3,992,000 | $-4,852,000 |
| Purchase Of PPE | $-5,024,000 | $-1,789,000 | $-3,992,000 | $-4,852,000 |
| Change In Working Capital | $-444,672,000 | $-273,705,000 | $-240,316,000 | $-263,215,000 |
| Change In Other Working Capital | $-23,164,000 | $-1,061,000 | $3,182,000 | $-155,000 |
| Change In Other Current Liabilities | $-3,497,000 | $-3,014,000 | $-1,871,000 | $-4,053,000 |
| Change In Payables And Accrued Expense | $28,923,000 | $284,000 | $5,726,000 | $-6,303,000 |
| Change In Payable | $28,923,000 | $284,000 | $5,726,000 | $-6,303,000 |
| Change In Account Payable | $29,507,000 | $2,535,000 | $18,414,000 | $4,260,000 |
| Change In Tax Payable | $-584,000 | $-2,251,000 | $-12,688,000 | $-10,563,000 |
| Change In Income Tax Payable | $-584,000 | $-2,251,000 | $-12,688,000 | $-10,563,000 |
| Change In Receivables | $-446,934,000 | $-269,914,000 | $-247,353,000 | $-252,704,000 |
| Other Non Cash Items | $1,108,885,000 | $734,919,000 | $689,577,000 | $577,069,000 |
| Stock Based Compensation | $4,295,000 | $3,897,000 | $3,783,000 | $4,167,000 |
| Deferred Tax | $38,654,000 | $30,493,000 | $37,825,000 | $20,975,000 |
| Deferred Income Tax | $38,654,000 | $30,493,000 | $37,825,000 | $20,975,000 |
| Depreciation Amortization Depletion | $9,896,000 | $5,187,000 | $4,043,000 | $4,848,000 |
| Depreciation And Amortization | $9,896,000 | $5,187,000 | $4,043,000 | $4,848,000 |
| Depreciation | $9,896,000 | $5,187,000 | $4,043,000 | $4,848,000 |
| Net Income From Continuing Operations | $120,609,000 | $110,106,000 | $101,954,000 | $134,612,000 |
| Effect Of Exchange Rate Changes | - | $0 | $2,000 | $-36,000 |
| Net Investment Purchase And Sale | - | - | - | $0 |
| Sale Of Investment | - | - | - | $0 |
| Purchase Of Investment | - | - | - | $0 |
| Sale Of PPE | - | - | - | $0 |
| Earnings Losses From Equity Investments | - | - | - | $0 |
| Gain Loss On Sale Of PPE | - | - | - | $0 |
Fetched: 2026-06-12