Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) Financials

ATLCP

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

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 ATLCP SEC filings page.

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 ATLCP FY2025 2026-09-05

Rapid balance-sheet expansion is being financed with heavier liabilities, while interest costs absorb more of the company's gross profit.

Revenue increased 140.2% from FY2021 to FY2025 while gross margin remained close to 90.0%, pointing to stable underlying unit economics rather than margin-led growth. Net margin fell from 25.6% to 7.2% as interest expense climbed severalfold; the earnings squeeze is primarily below gross profit, not in reported cost of revenue.

Total assets rose from $1.94B in FY2021 to $7.62B in FY2025, showing the business expanded its asset base substantially. Liabilities grew faster than assets, and debt-to-equity rose from 5.3x to 11.5x, indicating heavier reliance on creditors than equity.

In FY2025, operating cash flow was $638M versus net income of $121M, so reported earnings converted into more cash than accounting profit alone suggests. However, investing outflows reached $1.51B against financing inflows of $1.14B, meaning internal cash generation did not fund the full investment program.

Financial Health Signals

Financial health score not available

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share'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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share'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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share'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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share 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.

ATLCP 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.

ATLCP 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.

ATLCP Balance Sheet

ATLCP 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.

ATLCP Cash Flow Statement

ATLCP 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.

ATLCP 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.

ATLCP 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.

Where Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share Ranks

Frequently Asked Questions

What is Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's annual revenue?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's revenue growing?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) revenue grew by 44.8% year-over-year, from $1.2B to $1.7B in fiscal year 2025.

Is Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share profitable?

Yes, Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) reported a net income of $120.6M in fiscal year 2025, with a net profit margin of 7.2%.

What is Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's earnings per share (EPS)?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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.

What is Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's gross margin?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's net profit margin?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's return on equity (ROE)?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's operating cash flow?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) generated $638.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's total assets?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) had $7.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share buy back shares?

Yes, Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share have outstanding?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) had 15M shares outstanding as of fiscal year 2025.

What is Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's debt-to-equity ratio?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's return on assets (ROA)?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's Piotroski F-Score?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share's earnings high quality?

Atlanticus Holdings Corporation 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share (ATLCP) 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.