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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%
Market cap
$1.4B
P/E
9.6×
Fwd P/E
8.8×
Dividend yield
—
F-score
3/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 10.57
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — 1 — — — — 7 — — — —
Insider Ownership 37.05%

Capital & Financial Ratios $m

Market Cap 1,420.00
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 9.58
Fwd P/E 8.79
P/S ratio 0.53
P/B ratio 2.00
Past 5Y EPS Growth 8.57%
This Y EPS Growth 66.49% (at or above 15%: strong)
Next Y EPS Growth 32.38% (at or above 15%: strong)
Next Y revenue growth 53.78% (at or above 10%: strong)
Next 5Y EPS Growth 42.69% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 83.61%
10-year low 10-year high
P/S against its own 10 years 66.90%
10-year low 10-year high
P/B against its own 10 years 46.69%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
2017 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 384 500 767 645
Receivables — — — —
Inventory — — — —
Other — — — —
2,656 3,214 7,498 7,382
2023 2024 2025 Q'26
Payables 62 72 285 275
ST’ Debt — — — —
Other — — — —
1,923 2,272 6,103 5,854

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%

Revenue $m

Mar Jun Sep Dec Year
’26 680 744 — — —
’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 — — —
’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 — — —
’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.

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
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 2.59 2.13 1.52 3.05 5.00 21.12 23.15 21.65 23.10 41.37

Analyst estimates 2026–2028

Powerpack
High 3.60 3.49 4.91 10.08 29.90 91.98 73.29 43.70 64.70 78.91
People
People Employees 292 297 310 319 327 331 357 386 417 576
Revenue/emp, $m 0.33 0.41 0.66 1.43 1.72 2.26 2.93 2.99 3.14 3.42
Income, $m
Income, $m Revenue 96 121 204 455 563 748 1,047 1,156 1,311 1,968
Gross margin, % 79.02 77.13 81.87 88.86 90.85 92.76 92.18 90.54 87.79 84.66
EBT (12) (47) 3 32 114 220 149 129 139 160
EBT margin, % (12.83) (39.01) 1.71 6.98 20.30 29.35 14.26 11.12 10.57 8.11
Net income (6) (41) 8 26 94 178 135 102 110 121
Depreciation 7 2 3 11 13 8 10 11 17 28
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
Earnings (0.46) (2.93) 0.56 1.66 5.32 10.32 7.55 5.35 5.92 7.40
Cash flow 2.81 (1.90) 3.08 6.89 14.69 14.09 23.76 31.67 31.83 42.21
Capex (0.03) (0.03) (0.10) (0.02) (0.05) (0.40) (0.33) (0.28) (0.12) (0.33)
Free cash flow 2.79 (1.93) 2.98 6.88 14.63 13.69 23.43 31.39 31.71 41.88
Book value 0.42 (2.59) (1.59) 0.02 5.28 19.07 22.22 27.06 33.18 39.95
Shares, m 14 14 14 14 14 15 15 15 15 15
Valuation, ×
Valuation, × P/E 0.00 0.00 6.50 4.93 4.63 6.91 3.44 7.04 9.42 9.05
P/S 0.41 0.28 0.25 0.29 0.63 1.44 0.36 0.47 0.63 0.51
P/B 6.87 0.00 0.00 389.96 4.66 3.74 1.17 1.39 1.68 1.68
EV/Sales 0.08 0.21 (0.14) (0.05) 0.22 0.95 0.09 0.27 0.46 0.48
EV/FCF 0.20 (0.92) (0.70) (0.22) 0.58 3.45 0.26 0.67 1.29 1.49
Cash, $m
Cash, $m Operating cash flow 39 (26) 43 100 213 212 348 459 469 638
Capex 0 0 (1) 0 (1) (6) (5) (4) (2) (5)
Free cash flow 39 (27) 41 100 212 206 343 455 468 633
Balance, $m
Balance, $m Working capital 52 (15) 24 108 252 596 641 733 943 1,395
Total debt 61 61 62 24 24 143 144 144 282 699
Net debt (32) (9) (80) (152) (235) (364) (289) (239) (218) (69)
Shareholders’ equity 6 (36) (22) 0 77 287 325 392 489 604
Returns, %
Returns, % ROA (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
ROE (75.74) 268.74 (26.97) (232.08) 200.53 85.46 36.09 21.65 19.82 20.45
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
UPST Upstart Holdings, Inc. $2.4B 38.0× 32.5× +41.75% (above 0%: growing) +183.33% (above 0%: growing) −14.74% (below 0%: shrinking) 83.19% 4.01% Compare
ECPG Encore Capital Group Inc $2.2B 7.5× 6.3× +11.25% (above 0%: growing) +18.80% (above 0%: growing) −1,282.62% (below 0%: shrinking) 100.00% 0.00% Compare
AGM Federal Agricultural Mortgage Corporation $2.2B 11.1× 9.4× +12.93% (above 0%: growing) +20.67% (above 0%: growing) +188.57% (above 0%: growing) 27.34% 0.00% Compare
EZPW EZCORP, Inc. $2.0B 12.8× 16.0× +34.65% (above 0%: growing) +37.78% (above 0%: growing) +27.86% (above 0%: growing) 58.79% 13.09% Compare
WU The Western Union Company $1.9B 5.0× 4.7× −1.26% (below 0%: shrinking) −32.43% (below 0%: shrinking) +316.72% (above 0%: growing) 33.21% 13.04% Compare
ATLC Atlanticus Holdings Corporation $1.4B 9.6× 8.8× +88.84% (above 0%: growing) +67.38% (above 0%: growing) +112.08% (above 0%: growing) 83.42% 0.00%
JCAP Jefferson Capital, Inc. $1.2B 8.4× 6.3× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
NAVI Navient Corporation $896.6M — (loss-making) 10.6× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
WRLD World Acceptance Corporation $803.8M 20.3× 15.2× +4.85% (above 0%: growing) +432.00% (above 0%: growing) +9.97% (above 0%: growing) 100.00% 13.88% Compare
Median of peers $2.0B 11.1× 10.0× +12.09% +29.23% +11.73% 60.93% 8.52%

All 55 Credit Services stocks →

Atlanticus Holdings Corporation (ATLC) key facts

  • Strength: Atlanticus Holdings Corporation’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 50.1% from fiscal 2024.
  • Atlanticus Holdings Corporation (ATLC) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, ATLC traded at $92.04, a market capitalization of $1.4 billion.
  • Return on equity was 20.5% and debt-to-equity 0.99.
  • Its Piotroski F-score is 3 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

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stockrow.com/ATLC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com