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Atlanticus Holdings Corporation

ATLC Financial Credit Services

Atlanticus Holdings Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 50.1% from fiscal 2024.

Revenue
+56.8%
EPS
+307.3%
Free cash flow
+135.8%
Total debt
−0.45%

Quarter to September 2026, against a year earlier

94.90 1.55 −1.61%
Market cap
$1.5B
P/E
6.8×
Fwd P/E
9.2×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 10.57
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — 1 — — — — 7 — — — — —
Insider Ownership 37.32%

Capital & Financial Ratios $m

Size
Market Cap 1,460.00
Revenue ttm 2,934.15
Net income ttm 224.33
Free cash flow ttm 1,082.79
Net debt Q (36.83)
Valuation
P/E 6.80
Forward P/E 9.20
Price / sales 0.50
Forward P/S Powerpack
Price / FCF 1.36
Price / book 1.82
Financial health
Current ratio Q 0.00
Debt / equity Q 0.87
Interest coverage Q —
Growth
Revenue growth Q +56.84% (above 0%: growing)
Operating income growth Q +219.18% (above 0%: growing)
EPS, this year +66.77% (at or above 15%: strong)
EPS, next year A +32.16% (at or above 15%: strong)
Revenue, next year A +53.78% (at or above 10%: strong)
EPS, past 5 yrs +8.57%
EPS, next 5 yrs A +42.69% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 60.78%
10-year low 10-year high
P/S against its own 10 years 63.15%
10-year low 10-year high
P/B against its own 10 years 42.69%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 384 500 767 736
Receivables — — — —
Inventory — — — —
Other — — — —
2,656 3,214 7,498 —
2023 2024 2025 Q'26
Payables 62 72 285 248
ST’ Debt — — — —
Other — — — —
1,923 2,272 6,103 6,001

Compound Annual Growth %

10y 5y 3y
Sales 38.06% 28.43% 23.42%
Cash Flow 93.57% 24.56% 22.43%
Earnings 51.87% 7.73% 0.38%
Book Value 49.33% 51.16% 22.93%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 2.50 Actual 2.50

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 1.34 1.48 Beat by 0.14
Q4 FY25 1.65 1.75 Beat by 0.10
Q1 FY26 1.72 2.23 Beat by 0.51
Q2 FY26 2.50 2.50 Met by 0.00
Q3 FY26 2.86 — Reports 5 November 2026

EPS $

Mar Jun Sep Dec Year
’26 2.23 2.50 4.87 — —
’25 1.49 1.51 1.21 1.75 5.96
’24 1.09 0.99 1.27 1.42 4.77
’23 1.08 1.02 1.03 1.10 4.24
’22 1.96 1.46 1.41 0.98 5.83
’21 1.91 1.56 1.96 2.13 7.56
’20 0.17 0.93 1.72 1.10 3.95
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 680 744 776 — —
’25 345 394 495 734 1,968
’24 291 316 351 353 1,311
’23 261 291 295 309 1,156
’22 230 270 278 269 1,047
’21 145 177 204 223 748
’20 141 136 144 143 563
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 286 277 253 — —
’25 132 133 107 266 638
’24 119 116 112 123 469
’23 102 108 117 133 459
’22 81 72 93 102 348
’21 53 72 15 73 212
’20 35 49 64 65 213
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 286 277 253 — —
’25 129 131 107 266 633
’24 119 116 112 121 468
’23 99 107 117 133 455
’22 81 71 92 98 343
’21 53 72 16 66 206
’20 35 48 64 65 212
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 96 121 204 455 563 748 1,047 1,156 1,311 1,968 2,934 +39.8% 3,027 3,452 3,807 +24.6%
Gross margin, % 79.02 77.13 81.87 88.86 90.85 92.76 92.18 90.54 87.79 84.66 83.32 +5.6 pt
EBT (12) (47) 3 32 114 220 149 129 139 160 275 n/m
EBT margin, % (12.83) (39.01) 1.71 6.98 20.30 29.35 14.26 11.12 10.57 8.11 9.36 +20.9 pt
Net income (6) (41) 8 26 94 178 135 102 110 121 224 n/m
Per share, $
Per share, $ Revenue 6.95 8.70 14.61 31.40 38.89 49.63 71.56 79.69 88.92 130.25 192.77 +38.5%
Earnings (0.46) (2.93) 0.56 1.66 5.32 10.32 7.55 5.35 5.92 7.40 14.22 n/m
Cash flow 2.81 (1.90) 3.08 6.89 14.69 14.09 23.76 31.67 31.83 42.21 71.14 +35.1%
Capex (0.03) (0.03) (0.10) (0.02) (0.05) (0.40) (0.33) (0.28) (0.12) (0.33) 0.00 +33.2%
Free cash flow 2.79 (1.93) 2.98 6.88 14.63 13.69 23.43 31.39 31.71 41.88 71.14 +35.1%
Book value 0.42 (2.59) (1.59) 0.02 5.28 19.07 22.22 27.06 33.18 39.95 53.06 +66.0%
Shares, m 14 14 14 14 14 15 15 15 15 15 15 +1.0%
Valuation, ×
Valuation, × P/E 0.00 0.00 6.50 4.93 4.63 6.91 3.44 7.04 9.42 9.05 6.80 5.2
P/S 0.41 0.28 0.25 0.29 0.63 1.44 0.36 0.47 0.63 0.51 0.50 0.5
P/B 6.87 0.00 0.00 389.96 4.66 3.74 1.17 1.39 1.68 1.68 1.82 41.1
EV/Sales 0.08 0.21 (0.14) (0.05) 0.22 0.95 0.09 0.27 0.46 0.48 — 0.3
EV/FCF 0.20 (0.92) (0.70) (0.22) 0.58 3.45 0.26 0.67 1.29 1.49 — 0.6
Cash, $m
Cash, $m Operating cash flow 39 (26) 43 100 213 212 348 459 469 638 1,083 +36.4%
Capex 0 0 (1) 0 (1) (6) (5) (4) (2) (5) (1) +34.5%
Free cash flow 39 (27) 41 100 212 206 343 455 468 633 1,083 +36.4%
Balance, $m
Balance, $m Working capital 52 (15) 24 108 252 596 641 733 943 1,395 (6,001) +44.2%
Net debt (32) (9) (80) (152) (235) (364) (289) (239) (218) (69) (37) +8.9%
Shareholders’ equity 6 (36) (22) 0 77 287 325 392 489 604 808 +67.6%
Returns, %
Returns, % ROA (1.97) (10.35) 1.56 3.33 7.19 9.87 5.10 3.05 2.92 2.05 2.89 +4.0 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 257.49 52.44 31.93 18.66 22.28 +18.7 pt
ROE (75.74) 268.74 (26.97) (232.08) 200.53 85.46 36.09 21.65 19.82 20.45 30.90 +96.2 pt
People
People Employees 292 297 310 319 327 331 357 386 417 576 — +7.8%
Revenue/emp, $m 0.33 0.41 0.66 1.43 1.72 2.26 2.93 2.99 3.14 3.42 — +29.7%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Atlanticus Holdings Corporation vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ECPG Encore Capital Group Inc $2.7B 7.8× 7.4× +18.29% (above 0%: growing) +80.12% (above 0%: growing) +41.19% (above 0%: growing) 100.00% 0.00% Compare
WU The Western Union Company $2.2B 6.5× 5.7× −2.26% (below 0%: shrinking) −41.86% (below 0%: shrinking) −69.40% (below 0%: shrinking) 33.98% 12.96% Compare
UPST Upstart Holdings, Inc. $2.2B 38.2× 33.9× −25.21% (below 0%: shrinking) −0.30% (below 0%: shrinking) +107.56% (above 0%: growing) 82.03% 8.54% Compare
AGM Federal Agricultural Mortgage Corporation $2.1B 10.8× 9.8× +12.93% (above 0%: growing) +20.67% (above 0%: growing) +188.57% (above 0%: growing) 27.34% 0.00% Compare
EZPW EZCORP, Inc. $1.8B 11.2× 13.8× +34.65% (above 0%: growing) +37.78% (above 0%: growing) +27.86% (above 0%: growing) 58.79% 13.09% Compare
ATLC Atlanticus Holdings Corporation $1.5B 6.8× 9.2× +56.84% (above 0%: growing) +307.33% (above 0%: growing) +135.83% (above 0%: growing) 84.79% 0.00%
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
Median of peers $1.9B 9.6× 8.6× +14.60% +29.23% +20.68% 60.93% 10.75%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 10 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.10m 2.63m 271.82
2024 1.81m 2.90m 226.47
2023 2.05m 2.59m 157.00
2022 2.19m 398.01k 106.37
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Atlanticus Holdings Corporation (ATLC) Latest News

6 Nov

Impact 3 · · GuruFocus.com

5 Nov

Impact 3 · · MarketBeat
Impact 3 · · StockStory
Impact 3 · · GlobeNewswire

29 Oct

Impact 3 · · GlobeNewswire

23 Oct

Impact 3 ·

9 Oct

Impact 4 · · Simply Wall St.

24 Sep

Impact 3 · · StockStory

22 Sep

Impact 3 ·

21 Sep

Impact 3 · · Zacks

18 Sep

Impact 4 ·

17 Sep

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14 Aug

Impact 3 · · The Motley Fool transcript

13 Aug

Impact 3 ·

7 Aug

Impact 4 ·
Impact 3 ·

6 Aug

Impact 4 ·
Impact 3 · · MarketBeat transcript
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30 Jul

Impact 3 ·

16 Jul

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9 Jul

Impact 3 ·

12 Jun

Impact 3 ·

7 Jun

Impact 3 · · Simply Wall St.

18 May

Impact 3 · · Simply Wall St.

12 May

Impact 4 · · The Motley Fool transcript

10 May

Impact 4 · · Simply Wall St.

7 May

Impact 4 · · MarketBeat
Impact 4 · · Zacks
stockrow.com/ATLC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com