What is Atlanticus Holdings Corporation's earnings per share (EPS)?

Atlanticus Holdings Corporation (ATLC) reported diluted earnings per share of $5.96 for fiscal year 2025. This represents a 24.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Atlanticus Holdings Corporation (ATLC) Financials

ATLC

Trailing 12 months to June 30, 2026

Revenue $2.2B +75.7% YoY

Net Income $152.4M +25.2% YoY

EPS (Diluted) $7.69 +35.1% YoY

Operating Cash Flow $937.0M +87.7% YoY

Market Cap $1.4B as of Oct 10, 2026

Price / Sales 0.6x on $2.2B revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.3x on $152.4M net income, trailing 12 months to June 30, 2026

Price / Book 2.0x on $701.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ATLC SEC filings page.

Atlanticus Holdings Corporation (ATLC) reported $2.2B in revenue over the twelve months to Jun 30, 2026, up 75.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ATLC FY2025 2026-10-04

Atlanticus expanded rapidly in FY2025, but financing and interest costs grew faster than earnings, leaving a much more leveraged balance sheet.

Interest expense nearly doubled from FY2024 to FY2025 while net margin narrowed despite revenue growth, showing that expansion was increasingly burdened by financing costs. The business grew its reported activity faster than it converted that growth into bottom-line profitability.

Total assets more than doubled from FY2024 to FY2025, while debt-to-equity climbed from 5.5x to 11.5x; expansion was financed with a much larger liability base relative to shareholder capital. Liabilities reached $6.98B against $608.7M of equity, making the funding structure predominantly liability-based.

Operating cash flow rose to $638M, but investing outflows reached $1.51B, so internally generated cash did not fund the period's asset deployment. Financing inflows of $1.14B filled much of that gap, indicating FY2025 growth was funded partly by external financing rather than operating cash alone.

Financial Health Signals

Financial health score not available

Atlanticus Holdings Corporation does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

Atlanticus Holdings Corporation passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

5.29x

For every $1 of reported earnings, Atlanticus Holdings Corporation generates $5.29 in operating cash flow ($638.0M OCF vs $120.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$620.9M

YoY+82.4%

QoQ+11.5%

5Y CAGR+29.8%

10Y CAGR+41.6%

Atlanticus Holdings Corporation generated $620.9M in revenue in Q2 2026. This represents an increase of 82.4% from the same quarter a year earlier. Against the prior quarter it is up 11.5%.

Net Income

$49.7M

YoY+62.6%

QoQ+12.6%

5Y CAGR+6.2%

10Y CAGR+68.0%

Atlanticus Holdings Corporation reported $49.7M in net income in Q2 2026. This represents an increase of 62.6% from the same quarter a year earlier. Against the prior quarter it is up 12.6%.

EPS (Diluted)

$2.50

YoY+65.6%

QoQ+12.1%

5Y CAGR+9.9%

10Y CAGR+62.1%

Atlanticus Holdings Corporation earned $2.50 per diluted share (EPS) in Q2 2026. This represents an increase of 65.6% from the same quarter a year earlier. Against the prior quarter it is up 12.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$555.2M

YoY+68.5%

QoQ-14.7%

Atlanticus Holdings Corporation held $555.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

15M

YoY+0.3%

QoQ+0.3%

5Y CAGR-1.7%

10Y CAGR+1.0%

Atlanticus Holdings Corporation had 15M shares outstanding in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 0.3%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Gross Margin

90.7%

YoY+0.7pp

QoQ-1.2pp

5Y change+1.5pp

Atlanticus Holdings Corporation's gross margin was 90.7% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.2 percentage points.

Net Margin

8.0%

YoY-1.0pp

QoQ+0.1pp

5Y change-13.9pp

10Y change+6.6pp

Atlanticus Holdings Corporation's net profit margin was 8.0% in Q2 2026, showing the share of revenue converted to profit. This is down 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Return on Equity

7.1%

YoY+1.7pp

QoQ+0.3pp

5Y change-9.9pp

Atlanticus Holdings Corporation's ROE was 7.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$55K

YoY-97.1%

QoQ-98.6%

5Y CAGR-29.0%

10Y CAGR-17.4%

Atlanticus Holdings Corporation spent $55K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 97.1% from the same quarter a year earlier. Against the prior quarter it is down 98.6%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

ATLC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ATLC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$2.2B	$1.7B+44.8%	$1.2B+10.0%	$1.0B+8.4%	$965.1M+39.1%	$693.9M+35.6%	$511.9M+58.9%	$322.1M+93.3%	$166.6M+78.3%	$93.4M+22.7%	$76.1M+27.0%	$59.9M-20.8%	$75.7M+15.2%	$65.7M-21.5%	$83.7M-42.2%	$144.7M
Cost of Revenue	$197.4M	$160.8M+35.8%	$118.4M+17.7%	$100.6M+5.4%	$95.4M+26.6%	$75.4M+19.6%	$63.0M+27.5%	$49.5M+33.2%	$37.1M+17.8%	$31.5M	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	$2.0B	$1.5B+45.8%	$1.0B+9.2%	$945.9M+8.8%	$869.6M+40.6%	$618.5M+37.8%	$448.8M+64.6%	$272.6M+110.5%	$129.5M+109.2%	$61.9M	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$96.6M	$69.6M+38.7%	$50.1M+14.2%	$43.9M+2.0%	$43.1M+26.6%	$34.0M+17.0%	$29.1M+10.9%	$26.2M+11.9%	$23.4M+3.0%	$22.8M-5.3%	$24.0M+21.2%	$19.8M+0.2%	$19.8M+10.9%	$17.8M-2.6%	$18.3M-12.9%	$21.0M
Interest Expense	$446.9M	$301.9M+88.5%	$160.2M+46.5%	$109.3M+33.6%	$81.9M+51.2%	$54.1M+5.0%	$51.5M+1.6%	$50.7M+37.5%	$36.9M+33.2%	$27.7M+37.1%	$20.2M+10.2%	$18.3M-23.8%	$24.1M+0.8%	$23.9M-23.3%	$31.1M-29.0%	$43.8M
Income Tax	$50.1M	$39.1M+37.3%	$28.5M+7.0%	$26.6M+81.5%	$14.7M-64.9%	$41.8M+104.1%	$20.5M+268.7%	$5.6M+234.5%	-$4.1M+35.2%	-$6.4M-6.0%	-$6.0M-428.9%	$1.8M+105.3%	-$34.6M-577.2%	-$5.1M+67.2%	-$15.6M-1470.3%	-$994K
Net Income	$152.4M	$120.6M+9.5%	$110.1M+8.0%	$102.0M-24.3%	$134.6M-24.3%	$177.8M+88.9%	$94.1M+255.9%	$26.4M+236.6%	$7.9M+119.3%	-$40.8M-543.7%	-$6.3M-469.8%	$1.7M-76.1%	$7.2M+140.5%	-$17.7M-172.6%	$24.5M-81.8%	$134.0M
EPS (Basic)	N/A	$7.40+25.0%	$5.92+10.7%	$5.35-29.1%	$7.55-26.8%	$10.32+94.0%	$5.32+205.7%	$1.74+210.7%	$0.56+119.1%	-$2.93-537.0%	-$0.46-483.3%	$0.12-76.5%	$0.51+139.5%	-$1.29-201.6%	$1.27-75.6%	$5.21
EPS (Diluted)	$7.69	$5.96+24.9%	$4.77+12.5%	$4.24-27.3%	$5.83-22.9%	$7.56+91.4%	$3.95+138.0%	$1.66+196.4%	$0.56+119.1%	-$2.93-537.0%	-$0.46-483.3%	$0.12-76.5%	$0.51+139.5%	-$1.29-202.4%	$1.26-75.7%	$5.19
Diluted Shares (Avg)	N/A	19M+2.0%	19M-0.4%	19M-2.5%	19M-7.3%	21M+4.0%	20M+31.6%	15M+9.1%	14M+0.4%	14M0.0%	14M-0.2%	14M-0.2%	14M+1.5%	14M-28.7%	19M-25.2%	26M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$620.9M+82.4%	$556.8M+87.1%	$609.2M+97.3%	$419.2M+35.8%	$340.5M+22.4%	$297.6M+16.4%	$308.8M+11.7%	$308.7M+15.8%
Cost of Revenue	$57.9M+69.8%	$44.9M+39.7%	$55.6M+55.2%	$39.0M+39.0%	$34.1M+23.1%	$32.2M+19.9%	$35.8M+34.6%	$28.1M+8.5%
Gross Profit	$563.0M+83.8%	$511.9M+92.8%	$553.6M+102.8%	$380.2M+35.5%	$306.4M+22.4%	$265.5M+16.0%	$273.0M+9.3%	$280.7M+16.6%
SG&A Expenses	$27.3M+103.6%	$28.6M+84.8%	$22.5M+79.1%	$18.2M+47.9%	$13.4M+11.8%	$15.5M+16.5%	$12.6M+11.0%	$12.3M+8.3%
Interest Expense	$123.4M+129.9%	$122.8M+158.3%	$125.2M+180.3%	$75.5M+77.6%	$53.7M+41.5%	$47.5M+35.6%	$44.7M+36.9%	$42.5M+50.3%
Income Tax	$16.3M+65.2%	$14.3M+46.4%	$11.6M+30.5%	$7.9M-2.5%	$9.9M+120.2%	$9.7M+39.2%	$8.9M+100.7%	$8.1M+19.3%
Net Income	$49.7M+62.6%	$44.2M+40.1%	$33.5M+11.4%	$25.0M-15.5%	$30.6M+25.9%	$31.5M+20.4%	$30.1M+18.5%	$29.5M+17.0%
EPS (Basic)	$3.13+67.4%	$2.80+51.4%	$2.18+23.2%	$1.50-5.1%	$1.87+53.3%	$1.85+37.0%	$1.77+30.1%	$1.58+21.5%
EPS (Diluted)	$2.50+65.6%	$2.23+49.7%	$1.75+23.2%	$1.21-4.7%	$1.51+52.5%	$1.49+36.7%	$1.42+29.1%	$1.27+23.3%
Diluted Shares (Avg)	19M-0.1%	19M-1.0%	N/A	19M+2.2%	19M+2.0%	19M+2.5%	N/A	19M-0.7%

Not reported in any period shown, so not listed: R&D Expenses, Operating Income, EBITDA.

ATLC Balance Sheet

ATLC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$7.6B+133.1%	$3.3B+20.8%	$2.7B+13.3%	$2.4B+22.8%	$1.9B+61.0%	$1.2B+28.9%	$936.3M+60.7%	$582.6M+36.9%	$425.6M+17.4%	$362.5M+29.1%	$280.7M+4.6%	$268.4M-23.8%	$352.2M-7.4%	$380.4M-41.3%	$647.9M
Cash & Equivalents	$621.1M+65.4%	$375.4M+10.6%	$339.3M	N/A	N/A	N/A	N/A	N/A	$70.7M-23.7%	$92.6M+81.5%	$51.0M+27.8%	$39.9M-21.5%	$50.9M-25.1%	$67.9M-53.1%	$144.9M
Short-Term Investments	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$7.0B+159.3%	$2.7B+23.8%	$2.2B+13.1%	$1.9B+26.8%	$1.5B+53.0%	$991.4M+17.1%	$846.9M+40.0%	$604.7M+31.0%	$461.7M+29.4%	$356.8M+32.2%	$269.8M+3.4%	$260.9M-25.7%	$351.1M-2.8%	$361.2M-36.8%	$571.6M
Total Equity	$608.7M+23.5%	$492.9M+24.9%	$394.7M+20.9%	$326.4M+13.3%	$288.0M+272.7%	$77.3M+8430.2%	$906K+104.2%	-$21.8M+39.5%	-$36.0M-722.7%	$5.8M-47.2%	$11.0M+47.3%	$7.4M+539.3%	$1.2M-94.0%	$19.3M-74.7%	$76.1M
Retained Earnings	$506.4M+28.3%	$394.6M+28.4%	$307.3M+50.3%	$204.4M+239.4%	$60.2M+151.2%	-$117.7M+44.4%	-$211.8M+11.3%	-$238.8M+3.2%	-$246.6M-19.8%	-$205.9M-3.2%	-$199.5M+0.9%	-$201.2M+3.4%	-$208.4M-9.3%	-$190.7M-574.8%	-$28.3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$7.5B+105.6%	$7.5B+128.1%	$7.6B+133.1%	$7.1B+132.9%	$3.6B+28.4%	$3.3B+17.4%	$3.3B+20.8%	$3.0B+17.1%
Cash & Equivalents	$555.2M+68.5%	$651.1M+85.8%	$621.1M+65.4%	$425.0M+37.7%	$329.4M-6.1%	$350.4M-21.2%	$375.4M+10.6%	$308.7M-13.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$6.8B+121.9%	$6.8B+150.8%	$7.0B+159.3%	$6.5B+161.3%	$3.0B+34.3%	$2.7B+21.0%	$2.7B+23.8%	$2.5B+18.7%
Total Equity	$701.9M+24.6%	$648.4M+21.7%	$608.7M+23.5%	$589.3M+28.8%	$563.3M+29.9%	$532.7M+28.0%	$492.9M+24.9%	$457.7M+21.5%
Retained Earnings	$595.7M+32.1%	$548.3M+29.8%	$506.4M+28.3%	$473.6M+28.6%	$450.9M+30.7%	$422.6M+29.2%	$394.6M+28.4%	$368.3M+31.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

ATLC Cash Flow Statement

ATLC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$937.0M	$638.0M+35.9%	$469.4M+2.2%	$459.3M+32.1%	$347.6M+63.7%	$212.4M-0.2%	$212.7M+112.8%	$100.0M+133.3%	$42.9M+261.9%	-$26.5M-167.8%	$39.0M+4415.6%	$864K+104.2%	-$20.7M+22.8%	-$26.9M-1000.0%	$3.0M-96.4%	$83.8M
Depreciation & Amortization	N/A	$9.9M+90.8%	$5.2M+28.3%	$4.0M-16.6%	$4.8M+94.4%	$2.5M-68.6%	$8.0M+3.4%	$7.7M+679.4%	$987K-3.3%	$1.0M-53.7%	$2.2M+10.2%	$2.0M-59.4%	$4.9M+217.3%	$1.6M-39.7%	$2.6M-58.4%	$6.2M
Stock-Based Compensation	N/A	$4.3M+10.2%	$3.9M+3.0%	$3.8M-9.2%	$4.2M+28.6%	$3.2M+139.1%	$1.4M-20.9%	$1.7M+29.4%	$1.3M-13.4%	$1.5M	N/A	$247K-41.7%	$424K	$0-100.0%	$320K-87.0%	$2.5M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	$749K+199.6%	$250K-81.9%	$1.4M+250.1%	$395K+13.2%	$349K-60.5%	$884K-78.3%	$4.1M+16.7%	$3.5M+59.5%	$2.2M+41.9%	$1.5M
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$212.0M+112.6%	$99.7M+140.4%	$41.5M+254.4%	-$26.9M-169.5%	$38.7M+193430.0%	-$20K+99.9%	-$24.8M+18.3%	-$30.3M-3902.4%	$798K-99.0%	$82.2M
Investing Cash Flow	-$1.4B	-$1.5B-102.4%	-$747.0M-11.1%	-$672.2M+1.5%	-$682.3M-43.6%	-$475.0M-62.4%	-$292.6M+32.5%	-$433.7M-222.4%	-$134.5M-67.5%	-$80.3M-5.9%	-$75.8M-621.7%	$14.5M-50.2%	$29.2M-41.3%	$49.7M-78.3%	$229.2M-47.1%	$433.5M
Financing Cash Flow	$636.9M	$1.1B+190.1%	$393.6M+141.0%	$163.3M-37.5%	$261.3M-48.8%	$510.3M+214.3%	$162.4M-56.0%	$368.7M+128.0%	$161.7M+91.1%	$84.6M+33.4%	$63.5M+1876.6%	-$3.6M+80.6%	-$18.4M+54.8%	-$40.7M+86.8%	-$309.4M+32.5%	-$458.6M
Share Buybacks	$20.3M	$69.6M+32.1%	$52.7M+198.0%	$17.7M-80.1%	$89.0M+252.9%	$25.2M+652.1%	$3.4M+33.2%	$2.5M+248.1%	$723K+85.9%	$389K-59.0%	$949K+266.4%	$259K+0.8%	$257K-81.6%	$1.4M+612.2%	$196K-94.2%	$3.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$276.9M+108.7%	$286.3M+117.6%	$266.3M+117.2%	$107.5M-4.4%	$132.7M+14.7%	$131.6M+10.8%	$122.6M-7.6%	$112.4M-3.8%
Depreciation & Amortization	$5.1M+200.9%	$5.1M+216.9%	$4.1M+193.8%	$2.5M+94.4%	$1.7M+34.6%	$1.6M+27.9%	$1.4M+11.4%	$1.3M+17.6%
Stock-Based Compensation	N/A	$1.4M+60.1%	N/A	N/A	N/A	$870K-7.4%	N/A	N/A
Investing Cash Flow	-$369.2M+9.0%	-$51.2M+55.4%	-$484.5M-175.3%	-$506.9M-65.5%	-$405.5M-105.6%	-$114.9M-70.1%	-$176.0M+16.7%	-$306.3M-39.5%
Financing Cash Flow	-$66.6M-122.6%	-$198.5M-261.8%	$459.8M+173.1%	$442.2M+157.9%	$294.6M+4479.2%	-$54.9M-215.8%	$168.3M+170.8%	$171.5M+58.3%
Share Buybacks	$55K-97.1%	$3.8M-92.5%	$16.4M-34.6%	$25K-99.9%	$1.9M+50.4%	$51.2M+9337.6%	$25.0M+656.3%	$25.8M+174.8%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid.

ATLC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ATLC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	90.3%+0.6pp	89.7%-0.7pp	90.4%+0.3pp	90.1%+1.0pp	89.1%+1.4pp	87.7%+3.0pp	84.6%+6.9pp	77.7%+11.5pp	66.3%	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	7.2%-2.3pp	9.6%-0.2pp	9.7%-4.2pp	14.0%-11.7pp	25.6%+7.2pp	18.4%+10.2pp	8.2%+3.5pp	4.7%+48.4pp	-43.6%-35.3pp	-8.3%-11.2pp	2.9%-6.6pp	9.5%+36.5pp	-27.0%-56.2pp	29.2%-63.4pp	92.6%
Return on Equity	19.8%-2.5pp	22.3%-3.5pp	25.8%-15.4pp	41.2%-20.5pp	61.7%-60.1pp	121.8%-2796.9pp	2918.7%	N/A	N/A	-109.5%-125.1pp	15.6%-80.8pp	96.5%+1620.6pp	-1524.1%-1650.9pp	126.7%-49.3pp	176.1%
Return on Assets	1.6%-1.8pp	3.4%-0.4pp	3.8%-1.9pp	5.6%-3.5pp	9.2%+1.3pp	7.8%+5.0pp	2.8%+1.5pp	1.4%+10.9pp	-9.6%-7.8pp	-1.8%-2.4pp	0.6%-2.1pp	2.7%+7.7pp	-5.0%-11.5pp	6.4%-14.3pp	20.7%
Debt-to-Equity	11.47+6.0x	5.460.0x	5.51-0.4x	5.89+0.6x	5.27-7.6x	12.83-921.9x	934.75	N/A	N/A	61.65+37.0x	24.62-10.4x	35.06-266.5x	301.61+282.9x	18.72+11.2x	7.51
Asset Turnover	0.22-0.1x	0.350.0x	0.390.0x	0.400.0x	0.36-0.1x	0.42+0.1x	0.34+0.1x	0.29+0.1x	0.220.0x	0.210.0x	0.21-0.1x	0.28+0.1x	0.190.0x	0.220.0x	0.22
FCF Margin	N/A	N/A	N/A	N/A	N/A	41.4%+10.5pp	31.0%+6.1pp	24.9%+53.6pp	-28.7%-79.5pp	50.8%+50.8pp	0.0%+32.7pp	-32.8%+13.4pp	-46.2%-47.1pp	0.9%-55.9pp	56.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	90.7%+0.7pp	91.9%+2.7pp	90.9%+2.5pp	90.7%-0.2pp	90.0%0.0pp	89.2%-0.3pp	88.4%-2.0pp	90.9%+0.6pp
Net Margin	8.0%-1.0pp	7.9%-2.7pp	5.5%-4.2pp	6.0%-3.6pp	9.0%+0.3pp	10.6%+0.3pp	9.8%+0.6pp	9.6%+0.1pp
Return on Equity	7.1%+1.7pp	6.8%+0.9pp	5.5%-0.6pp	4.2%-2.2pp	5.4%-0.2pp	5.9%-0.4pp	6.1%-0.3pp	6.5%-0.3pp
Return on Assets	0.7%-0.2pp	0.6%-0.4pp	0.4%-0.5pp	0.4%-0.6pp	0.8%0.0pp	1.0%0.0pp	0.9%0.0pp	1.0%0.0pp
Debt-to-Equity	9.62+4.2x	10.46+5.4x	11.47+6.0x	10.95+5.6x	5.40+0.2x	5.07-0.3x	5.460.0x	5.40-0.1x
Asset Turnover	0.080.0x	0.070.0x	0.080.0x	0.060.0x	0.090.0x	0.090.0x	0.090.0x	0.100.0x

Not reported in any period shown, so not listed: Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Atlanticus Holdings Corporation ATLC	FY2025	$1.7B	$120.6M	7.2%	$1.4B	—
LexinFintech Holdings Ltd. LX	FY2025	$1.9B	$239.8M	12.8%	$116.0M	43/100
Encore Capital Group, Inc. ECPG	FY2025	$1.8B	$257.0M	14.5%	$2.1B	38/100
Ezcorp Inc EZPW	FY2025	$1.3B	$109.6M	8.6%	$2.0B	72/100
World Acceptance Corp WRLD	FY2026	$585.2M	$34.6M	5.9%	$817.8M	28/100
OppFi Inc. OPFI	FY2025	$381.2M	$26.3M	6.9%	$505.3M	44/100

Where Atlanticus Holdings Corporation Ranks

Frequently Asked Questions

What is Atlanticus Holdings Corporation's annual revenue?

Atlanticus Holdings Corporation (ATLC) reported $1.7B in total revenue for fiscal year 2025. This represents a 44.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Atlanticus Holdings Corporation's revenue growing?

Atlanticus Holdings Corporation (ATLC) revenue grew by 44.8% year-over-year, from $1.2B to $1.7B in fiscal year 2025.

Is Atlanticus Holdings Corporation profitable?

Yes, Atlanticus Holdings Corporation (ATLC) reported a net income of $120.6M in fiscal year 2025, with a net profit margin of 7.2%.

What is Atlanticus Holdings Corporation's gross margin?

Atlanticus Holdings Corporation (ATLC) had a gross margin of 90.3% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Atlanticus Holdings Corporation's net profit margin?

Atlanticus Holdings Corporation (ATLC) had a net profit margin of 7.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Atlanticus Holdings Corporation's return on equity (ROE)?

Atlanticus Holdings Corporation (ATLC) has a return on equity of 19.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Atlanticus Holdings Corporation's operating cash flow?

Atlanticus Holdings Corporation (ATLC) generated $638.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Atlanticus Holdings Corporation's total assets?

Atlanticus Holdings Corporation (ATLC) had $7.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Atlanticus Holdings Corporation buy back shares?

Yes, Atlanticus Holdings Corporation (ATLC) spent $69.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Atlanticus Holdings Corporation have outstanding?

Atlanticus Holdings Corporation (ATLC) had 15M shares outstanding as of fiscal year 2025.

What is Atlanticus Holdings Corporation's debt-to-equity ratio?

Atlanticus Holdings Corporation (ATLC) had a debt-to-equity ratio of 11.47 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Atlanticus Holdings Corporation's return on assets (ROA)?

Atlanticus Holdings Corporation (ATLC) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Atlanticus Holdings Corporation's P/E ratio?

Atlanticus Holdings Corporation (ATLC) trades at 9.3x earnings, its market capitalization divided by net income of $152.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Atlanticus Holdings Corporation's price-to-sales ratio?

Atlanticus Holdings Corporation (ATLC) trades at 0.6x sales, its market capitalization divided by revenue of $2.2B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Atlanticus Holdings Corporation's Piotroski F-Score?

Atlanticus Holdings Corporation (ATLC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Atlanticus Holdings Corporation's earnings high quality?

Atlanticus Holdings Corporation (ATLC) has an earnings quality ratio of 5.29x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.