Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 88.8%, EPS grew 67.4%, free cash flow grew 112.1% and total debt rose 124.5%, each against the same quarter a year earlier. Revenue growth for ten consecutive years, operating cash flow growth for three.
92.04
1.50
−1.60%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
0.00 | 0.00 | 6.50 | 4.93 | 4.63 | 6.91 | 3.44 | 7.04 | 9.42 | 9.05 |
Piotroski F-Score |
6 | 3 | 8 | 8 | 8 | 6 | 6 | 6 | 4 | 3 |
P/S ratio |
0.41 | 0.28 | 0.25 | 0.29 | 0.63 | 1.44 | 0.36 | 0.47 | 0.63 | 0.51 |
P/FCF ratio |
1.03 | 0.00 | 1.22 | 1.31 | 1.68 | 5.21 | 1.11 | 1.20 | 1.76 | 1.60 |
P/Operating CF |
2.77 | (2.36) | 1.14 | 4.39 | 5.49 | 14.73 | 3.72 | 4.12 | 6.71 | 3.80 |
P/B ratio |
6.87 | 0.00 | 0.00 | 389.96 | 4.66 | 3.74 | 1.17 | 1.39 | 1.68 | 1.68 |
Price to Tangible BV |
6.87 | 0.00 | 0.00 | 389.96 | 4.66 | 3.74 | 1.17 | 1.39 | 1.68 | 1.76 |
EV/Sales |
0.08 | 0.21 | (0.14) | (0.05) | 0.22 | 0.95 | 0.09 | 0.27 | 0.46 | 0.48 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.20 | (0.94) | (0.67) | (0.22) | 0.57 | 3.35 | 0.26 | 0.67 | 1.29 | 1.48 |
EV/FCF |
0.20 | (0.92) | (0.70) | (0.22) | 0.58 | 3.45 | 0.26 | 0.67 | 1.29 | 1.49 |
Quick Ratio |
0.33 | 0.18 | 0.26 | 0.22 | 0.28 | 0.38 | 0.26 | 0.20 | 0.22 | 0.13 |
Current Ratio |
1.19 | 0.96 | 1.04 | 1.14 | 1.27 | 1.45 | 1.38 | 1.38 | 1.42 | 1.23 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
16.77% | 14.42% | 10.67% | 2.57% | 2.02% | 7.35% | 6.05% | 5.34% | 8.61% | 9.16% |
Debt/Equity |
10.52 | (1.70) | (2.81) | 71.91 | 0.32 | 0.50 | 0.44 | 0.37 | 0.58 | 1.16 |
Asset Turnover |
0.30 | 0.31 | 0.40 | 0.60 | 0.53 | 0.47 | 0.48 | 0.45 | 0.44 | 0.36 |
Operating CF/Net income |
(6.16) | 0.65 | 5.46 | 3.95 | 2.76 | 1.37 | 3.15 | 5.92 | 5.37 | 5.71 |
Capex/Depreciation |
(0.05) | (0.21) | (0.44) | (0.02) | (0.06) | (0.79) | (0.49) | (0.36) | (0.11) | (0.18) |
| (75.74%) | 268.74% | (26.97%) | (232.08%) | 200.53% | 85.46% | 36.09% | 21.65% | 19.82% | 20.45% | |
| (1.97%) | (10.35%) | 1.56% | 3.33% | 7.19% | 9.87% | 5.10% | 3.05% | 2.92% | 2.05% | |
ROIC |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 257.49% | 52.44% | 31.93% | 18.66% |
Return on Tangible Assets |
(11.38%) | 332.99% | 28.49% | 22.92% | 30.31% | 25.79% | 16.98% | 10.44% | 9.17% | 7.94% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
84.09% | 115.30% | 79.68% | 81.63% | 70.33% | 63.21% | 77.72% | 79.20% | 77.01% | 76.25% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 1.26% | 0.65% | 0.38% | 0.24% | 0.43% | 0.40% | 0.33% | 0.30% | 0.22% |
Graham Net Nets |
(0.62) | (2.52) | (0.76) | (0.26) | 0.14 | 0.24 | 0.73 | 0.63 | 0.53 | 0.47 |
Graham Number |
0.00 | 13.10 | 0.00 | 0.97 | 25.14 | 66.55 | 61.36 | 57.07 | 66.48 | 81.56 |
Earnings Yield |
(15.73%) | (120.00%) | 15.38% | 20.28% | 21.60% | 14.47% | 29.05% | 14.20% | 10.61% | 11.05% |
Free Cash Flow Yield |
97.49% | (78.75%) | 81.81% | 76.33% | 59.41% | 19.20% | 90.40% | 83.31% | 56.84% | 62.55% |
Revenue per Share |
6.95 | 8.70 | 14.61 | 31.40 | 38.89 | 49.63 | 71.56 | 79.69 | 88.92 | 130.25 |
Operating CF per Share |
2.81 | (1.90) | 3.08 | 6.89 | 14.69 | 14.09 | 23.76 | 31.67 | 31.83 | 42.21 |
Capex per Share |
(0.03) | (0.03) | (0.10) | (0.02) | (0.05) | (0.40) | (0.33) | (0.28) | (0.12) | (0.33) |
Free Cash Flow per Share |
2.79 | (1.93) | 2.98 | 6.88 | 14.63 | 13.69 | 23.43 | 31.39 | 31.71 | 41.88 |
Cash per Share |
6.68 | 5.07 | 10.18 | 12.17 | 17.88 | 33.61 | 29.61 | 26.45 | 33.88 | 50.78 |
Shareholders Equity per Share |
0.42 | (2.59) | (1.59) | 0.02 | 5.28 | 19.07 | 22.22 | 27.06 | 33.18 | 39.95 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
0.42 | (2.59) | (1.59) | 0.02 | 5.28 | 19.07 | 22.22 | 27.06 | 33.18 | 39.95 |
Free Cash Flow |
38.67 | (26.86) | 41.47 | 99.71 | 211.99 | 206.38 | 342.78 | 455.33 | 467.62 | 632.94 |
Working Capital |
51.86 | (15.48) | 23.95 | 107.61 | 251.94 | 595.71 | 640.96 | 732.52 | 942.71 | 1,394.90 |
Capital Expenditures |
(0.35) | (0.39) | (1.38) | (0.25) | (0.75) | (5.99) | (4.85) | (3.99) | (1.79) | (5.02) |
Net Current Asset Value |
(24.70) | (86.00) | (38.44) | (33.58) | 48.49 | 260.50 | 275.83 | 341.81 | 432.90 | 478.92 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
0.00 | 0.00 | 14.56 | 4.11 | 3.12 | 4.90 | 2.54 | 4.25 | 5.94 | 6.34 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.95 | 0.58 | 0.86 | 4.09 | 5.84 | 1.04 | 0.99 | 0.98 | 1.62 | 2.25 |
Cash ROIC |
24.29% | (28.01%) | 22.82% | 49.65% | 58.91% | 22.02% | 37.98% | 49.46% | 36.80% | 30.58% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.29 | 0.27 | 0.33 | 0.69 | 1.24 | 1.29 | 1.89 | 2.06 | 2.40 | 1.69 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
1,567.29 | 1,525.05 | 1,046.30 | 299.43 | 295.49 | 285.16 | 197.69 | 205.74 | 164.27 | 343.98 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
69.25 | 101.25 | 110.75 | 73.69 | 41.67 | 42.01 | 43.31 | 52.98 | 66.86 | 178.30 |
Average Assets |
321.64 | 394.08 | 504.11 | 759.44 | 1,071.74 | 1,575.54 | 2,165.84 | 2,547.13 | 2,988.58 | 5,446.90 |
Average Common Equity |
8.36 | (15.17) | (29.13) | (10.90) | 38.42 | 182.00 | 306.27 | 358.73 | 440.89 | 546.60 |
Columns are period end dates