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Atlanticus Holdings Corporation ATLC

Financial — Credit Services
Cash Flow Champion (3y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
10.57
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — — — 7 — — —
Insider Ownership
37.05%

Capital & Financial Ratios

Market Cap
1,440.00
Revenue
2,652.98
Net Income
153.50
Free Cash Flow
936.46
Net Debt
46.94
Current Ratio
1.26
Debt/Equity
0.99
P/E ratio
9.68
P/S ratio
0.53
P/B ratio
2.02
Past 5Y EPS Growth
23.59%
This Y EPS Growth
61.52%
Next Y EPS Growth
34.73%
Next 5Y EPS Growth
45.48%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
1.22%
total individual payouts
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2018 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 383.65 499.64 767.41 645.18
Receivables — — — —
Inventory — — — —
Other — — — —
2,655.84 3,214.24 7,498.17 7,381.66
2023 2024 2025 Q'26
Payables 61.63 72.09 284.51 275.31
ST’ Debt — — — —
Other — — — —
1,923.32 2,271.54 6,103.28 5,854.20
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 679.59 744.32 — —
—
’25 345.17 394.16 494.68 734.39
1,968.40
’24 290.71 316.02 351.22 353.49
1,311.44
’23 261.04 290.84 294.91 309.09
1,155.88
’22 229.83 270.04 277.95 269.09
1,046.91
’21 144.74 176.66 203.95 222.72
748.06
’20 140.51 135.75 144.49 142.67
563.41
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 286.35 276.93 — —
—
’25 131.57 132.69 107.45 266.25
637.96
’24 118.80 115.64 112.36 122.60
469.41
’23 101.70 108.09 116.86 132.67
459.32
’22 80.75 71.86 93.03 101.99
347.63
’21 52.78 71.74 14.88 72.97
212.37
’20 34.95 49.01 63.82 64.96
212.73
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 286.10 276.86 — —
—
’25 128.89 130.55 107.39 266.11
632.94
’24 118.73 115.58 112.30 121.01
467.62
’23 98.93 107.06 116.75 132.58
455.33
’22 80.67 71.33 92.34 98.44
342.78
’21 52.71 71.72 15.93 66.03
206.38
’20 34.85 48.40 63.78 64.96
211.99
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.23 2.50 — —
—
’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

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

1
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 23.15 21.65 23.10 41.37 — — —
Low Price
‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 73.29 43.70 64.70 78.91 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 357 386 417 576 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.93 2.99 3.14 3.42 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,046.91 1,155.88 1,311.44 1,968.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 92.18% 90.54% 87.79% 84.66% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 149.27 128.56 138.58 159.71 ‡‡‡‡‡ — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.26% 11.12% 10.57% 8.11% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 134.61 101.95 110.11 120.61 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.95 11.22 17.02 28.36 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 71.56 79.69 88.92 130.25 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 7.55 5.35 5.92 7.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.76 31.67 31.83 42.21 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.33) (0.28) (0.12) (0.33) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.43 31.39 31.71 41.88 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.22 27.06 33.18 39.95 ‡‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.63 14.50 14.75 15.11 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.44 7.04 9.42 9.05 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.36 0.47 0.63 0.51 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.17 1.39 1.68 1.68 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.12 0.30 0.49 0.50 ‡‡‡‡ ‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.37 0.76 1.37 1.55 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 347.63 459.32 469.41 637.96 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.85) (3.99) (1.79) (5.02) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 342.78 455.33 467.62 632.94 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 640.96 732.52 942.71 1,394.90 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 181.39 144.45 281.55 698.56 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (251.81) (239.20) (218.08) (68.84) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 325.04 392.42 489.36 603.83 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.10% 3.05% 2.92% 2.05% ‡‡‡‡ — —
ROA
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 127.39% 52.44% 31.93% 18.66% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.09% 21.65% 19.82% 20.45% ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Atlanticus Holdings Corporation (ATLC) has staged a remarkable turnaround, evolving from a mid-2010s straggler into a fintech revenue juggernaut, with sales exploding from $96 million in 2016 to $1.31 billion in 2024—a 1,262% surge fueled by credit card expansions, buy-now-pay-later partnerships, and point-of-sale financing. Efficiency shines through, with revenue per employee soaring 850% to $3.14 million amid a modest headcount doubling, while free cash flow hit $468 million last year, supporting growth without heavy dilution. Yet, recent margin softening and moderating earnings growth introduce caution amid scaling pressures.

Profitability has rebounded sharply, swinging from 2016 losses to $110 million net income and $5.92 EPS in 2024, backed by a pristine balance sheet featuring net cash of $218 million and book value per share at $33.18. Valuation metrics entice value hunters: trailing PE at 9.4x, PS at 0.63x, and EV/FCF at 1.37x, trading at a discount to peers despite analyst forecasts of revenue doubling to $3.27 billion and EPS reaching $12.06 by 2027. Minor insider selling appears negligible, but stock volatility mirrors credit cycles, with shares amplifying fundamental ramps.

Looking ahead, ATLC’s trajectory promises 2-3x upside if projections hold, driven by underserved consumer demand and tech leverage, though headwinds like regulatory scrutiny, rising rates, and recession risks loom large. This cash-flow machine offers compelling momentum for patient investors eyeing undervalued growth—read the full analysis for the complete breakdown on execution pitfalls and historical parallels.

Read full commentary →

Atlanticus Holdings Corporation (ATLC) Latest News

News by impact score

Fine-tune

18 Sep

4 , 5:13 PM
Atlanticus Holdings (ATLC) has completed its exit from CAR Auto Finance. Completion of the CAR Auto Finance exit constitutes a major strategic divestiture that will reshape Atlanticus Holdings' operations and market trajectory.

17 Sep

4 , 7:30 AM
Atlanticus Holdings Corporation completes sale of CAR Auto Finance Operations. Divestiture of CAR Auto Finance operations constitutes a major strategic shift altering business structure and trajectory.

14 Aug

3 transcript www.fool.com, 2:58 AM
Atlanticus Holdings Corporation held its Q2 2026 earnings call, covering financial results, operational updates, and outlook for the company. Quarterly earnings calls deliver financial metrics and guidance that can shift near-term investor views without guaranteeing major strategic shifts.

13 Aug

3 , 9:00 AM
Atlanticus Q2 earnings call highlighted progress on Mercury initiative along with credit metrics and performance updates. Q2 earnings call updates on Mercury and credit signal moderate influence on operations and investor views.

7 Aug

4 , 1:05 AM
Atlanticus Holdings Corp posted record profits in Q2 2026 earnings call highlights. Record profits indicate strong financial results that can significantly boost future performance and investor sentiment.

3 , 4:15 PM
Atlanticus Holdings (ATLC) released Q2 earnings, raising questions on whether its bullish fair value narrative remains valid amid updated financial results. Q2 earnings update can moderately shift near-term valuation perceptions and trading activity for ATLC.

6 Aug

4 , 4:27 PM
Atlanticus Holdings (ATLC) delivered stronger-than-expected Q2 CY2026 results. Positive Q2 earnings surprise boosts near-term stock performance and investor outlook for Atlanticus Holdings.

3 transcript www.marketbeat.com, 7:03 PM
Atlanticus Q2 earnings call highlighted financial results, operational updates and strategic outlook for consumer finance business. Q2 earnings updates may moderately shift investor sentiment and near-term stock trajectory.

3 , 4:22 PM
Atlanticus Holdings Corporation reported financial results for the second quarter of 2026. Quarterly earnings results can shift near-term investor views on financial performance.

3 , 4:22 PM
Atlanticus Holdings Corporation released second quarter 2026 financial results. Quarterly earnings data updates financial metrics and can shift near-term investor sentiment.

30 Jul

3 , 11:35 AM
Atlanticus Holdings Corporation competes directly with Enova as a fintech lender, with analysis weighing which stock offers the stronger buy opportunity now. Head-to-head comparison with Enova can shift near-term investor sentiment and positioning for Atlanticus without altering core operations.

16 Jul

3 , 10:01 AM
Atlanticus Holdings (ATLC) is highlighted as the standout value stock with strong fundamentals while two unnamed peers show weaker metrics and outlook. Favorable mention of ATLC fundamentals can lift near-term investor sentiment and share price without altering core operations.

9 Jul

3 , 10:19 AM
Atlanticus Holdings Corporation's scalable platform underpins long-term growth through operational efficiency and market expansion. Scalable platform supports sustained expansion and improved financial trajectory for Atlanticus.

12 Jun

3 , 12:00 PM
Atlanticus Holdings Corporation (ATLC) rating upgraded to Strong Buy. Upgrade to Strong Buy may lift near-term investor sentiment and share price but does not alter core operations or long-term trajectory.

7 Jun

3 Simply Wall St., 4:11 AM
Mixed Q1 profitability signals from Mercury integration could alter Atlanticus Holdings bull case. Mixed Q1 profitability signals from Mercury integration indicate moderate effects on Atlanticus Holdings financial performance.

18 May

3 Simply Wall St., 5:07 AM
Atlanticus Holdings posted stronger Q1 earnings and gained a new institutional stake, improving its investment outlook and market perception. Positive Q1 results and new institutional ownership can lift near-term sentiment and valuation without fundamentally reshaping operations.

12 May

4 transcript www.fool.com, 12:33 AM
Atlanticus Holdings Corporation (ATLC) released the Q1 2026 earnings call transcript, detailing quarterly financial results, operational updates, and management's outlook. Q1 2026 earnings transcript provides detailed financial metrics and guidance that can significantly sway ATLC's stock price and investor sentiment.

10 May

4 Simply Wall St., 4:09 AM
Atlanticus Holdings (ATLC) beat Q1 2026 earnings expectations amid progress on Mercury integration, prompting a valuation reassessment highlighting improved financials and growth potential. Earnings beat and Mercury integration progress represent major financial and strategic wins boosting ATLC's trajectory and investor sentiment.

7 May

4 www.marketbeat.com, 7:42 PM
Atlanticus Holdings Corporation (ATLC) released highlights from its Q1 earnings call, covering financial results, performance metrics, and strategic outlook. Q1 earnings call highlights reveal key financial performance and strategic updates that significantly influence ATLC's market trajectory and investor sentiment.

4 Zacks, 7:05 PM
Atlanticus Holdings Corporation (ATLC) reported Q1 earnings that surpassed analyst estimates. Q1 earnings surpassing estimates demonstrates strong financial performance, likely driving positive investor sentiment and stock price gains.

4 StockStory, 4:37 PM
Atlanticus Holdings Corporation (NASDAQ:ATLC) reported strong Q1 CY2026 results, surprising the market. Strong quarterly earnings surprise boosts investor confidence and signals positive trajectory for financial performance.

4 GlobeNewswire, 4:20 PM
Atlanticus Holdings Corporation (ATLC) reported first quarter 2026 financial results. Quarterly financial results disclosure reveals core performance metrics that significantly shape investor sentiment and stock trajectory.

28 Apr

4 Zacks, 12:00 PM
Atlanticus Holdings Corporation (ATLC) upgraded to Strong Buy by analysts, signaling strong potential for stock appreciation amid positive outlook on operations and growth. Analyst upgrade to Strong Buy directly boosts investor sentiment and could significantly elevate stock price and market positioning.

3 Simply Wall St., 5:04 PM
Bullish valuation calls on Atlanticus Holdings (ATLC) are scrutinized for justifying high leverage amid earnings trade-offs. Valuation debate tied to leverage and earnings directly questions ATLC's financial health and investor sentiment.

27 Apr

3 StockStory, 5:40 PM
Two reasons provided to sell Atlanticus Holdings Corporation (ATLC) stock, alongside recommendation of one alternative stock to buy instead. Bearish analysis citing specific sell reasons for ATLC expected to moderately impact investor sentiment and short-term market performance.

23 Apr

3 Zacks, 8:55 AM
Atlanticus Holdings Corporation (ATLC) stock is advancing with momentum, and the upward trend appears sustainable. Ongoing upward stock momentum with potential sustainability moderately influences ATLC's market sentiment and performance trajectory.

9 Apr

3 Zacks, 9:55 AM
Wall Street analysts forecast a 52.07% surge for Atlanticus Holdings Corporation (ATLC) stock. Analyst consensus projects 52.07% upside, likely influencing investor sentiment and short-to-medium-term stock performance moderately.

23 Mar

4 Zacks, 9:55 AM
Wall Street analysts predict Atlanticus Holdings Corporation (ATLC) stock could rally 68.28%, with detailed trading strategies provided. Analysts' 68.28% upside target signals significant potential boost to investor sentiment and market performance.

19 Mar

4 StockStory, 6:25 AM
Atlanticus Holdings (NASDAQ:ATLC) posted superior Q4 earnings in personal loans, outperforming peers and claiming top industry position. Superior Q4 personal loan earnings solidify ATLC's leadership, driving significant positive shifts in market performance and investor sentiment.

3 StockStory, 5:45 AM
Atlanticus Holdings' Q4 earnings call featured five insightful analyst questions probing the company's financial performance, credit strategies, growth outlook, and market challenges. Analyst questions from Q4 earnings call spotlight key financial and strategic areas likely to moderately influence investor sentiment and performance expectations.
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